About Us

MAKE YOURMONEY WORK FOR YOU

Take the right approach to investing

Our Story

Founder Sandeep Kulkarni ‘s decade long stint in a bank’s wealth management team fuelled his fascination for the world of finance. During that stint he realised the best way to help investors create wealth is through unbiased advice and long term relationship that lasts through various life stages of the investor. Since 2014 we have been assisting dozens of investors in their wealth creation journey.

Our Mission

Our vision is to be of value to our clients and help them get a good ...

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Our Service

Mutual Funds: We are AMFI registered mutual fund distributor. We work with all leading mutual fund ...

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Sandeep Kulkarni

Founder, Moneryworks4u Mutual Fund Distributors

Sandeep is management graduate from Mumbai University, He has been working in the field of investing and wealth management since 2006. He manages money for many HNI & UHNI families in Pune.

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WHY CHOOSE US ?

Trustworthy

We have acquired investor trust through our proactive communication and unbiased recommendations based on consistent investment philosophy. Most of our clients have been working with us for more than a decade.

Long Term Relationship

We look at every relationship from long term perspective. We believe in hand holding/guiding investors through various stages of life and through various stages of market cycles.

Process Driven

We have establishes a process for recommending mutual funds and we incorporate the same in our working. We endeavour to constantly research and improve our process. Technical analysis and behavioural finance are at core of our process.

Digital Mode

Our clients can access their portfolios and other detailed reports online on our website or on our mobile app. We do most of the investor transactions online using NSE’s platform.

OUR SERVICES

WE STRIVE TO BE OFVALUE TO YOU

Mutual Funds

Mutual Funds

Mutual fund distributor for all mutual fund companies.

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Real Estate

Real Estate

We use our understanding of Pune market to suggest right investment options in Real Estate.

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Health Insurance

Health Insurance

We offer health insurance from multiple insurance companies.

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Home Loan

Home Loan

We get you the best offers on home loans from various banks and housing finance companies.

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OUR APPROACH

WE ARE HERE TO MAKE YOURMONEY WORK FOR YOU

Focus on “Risk Adjusted Returns” instead of absolute returns. We use technical analysis, behaviour finance and understanding of fundamentals to assess the risk-reward for investing as well as risk-reward for investing in a particular category of mutual fund.

Diversification: Diversification the portfolio across equity & debt and across funds by investing in funds with different portfolio management style.

Funds with dynamic investment style are preferred. Markets are very dynamic. All asset classes, all sectors, largecap/midcap, accrual/duration, etc. go through cycles.

A fund which has dynamic investment style should be able to change the portfolio the take advantage of the new market conditions. This works better than churning the portfolio to adjust for new market conditions. Maintain a concise portfolio of tried & tested funds with consistent long term track record.

  • Focus on “Risk Adjusted Returns” instead of absolute returns. We use technical analysis, behaviour finance and understanding of fundamentals to assess the risk-reward for investing as well as risk-reward for investing in a particular category of mutual fund.
  • Diversification: Diversification the portfolio across equity & debt and across funds by investing in funds with different portfolio management style.
  • Funds with dynamic investment style are preferred. Markets are very dynamic. All asset classes, all sectors, largecap/midcap, accrual/duration, etc. go through cycles.
  • A fund which has dynamic investment style should be able to change the portfolio the take advantage of the new market conditions. This works better than churning the portfolio to adjust for new market conditions. Maintain a concise portfolio of tried & tested funds with consistent long term track record.

BLOGS

Narratives keep changing

Posted Feb 2021

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For a long time I wanted to write my views on Financial Media. This week ...

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Long Term Opportunity in Cyclicals

Posted Feb 2021

  • 0 comment
  • 23

We can classify sectors in to broadly two categories: Cyclicals and Defensives. Cyclicals are those ...

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Narratives keep changing

Posted Feb 2021

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Long Term Opportunity in Cyclicals

Posted Feb 2021

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Depolarisation of the markets

Posted Feb 2021

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Have Any Question
Call Us:
+919028824400

CLIENT FEEDBACK

I am 78 years old and ALL my savings ,I entrusted to Mr Sandeep Kulkarni since 2015 since then I have not looked back.Very diligently he has invested where I got the best returns and am very happy to have him take care of my hard earned money.I fully recommend him to any one wanting to invest in the market with eyes closed.

Sudhir Khurana, 78
Retired

Moneyworks4u is a good platform for investments. We have always received practical advice and Sandeep is very knowledgeable and straightforward in his approach. We surely trust and recommend moneyworks4u for the safety and growth of money

Neha Joshi, 37
Financial Services professional

Absolutely delighted with your service. Appreciate the way and the speed which you respond to my queries & also the kind of research you do before suggesting any investment. Hoping for a longer and fruitful relationship.

Rahul Bhaskarwar, 47
IT professional

Sandeep has been my sole financial advisor ever since he started MoneyWorks4U. I have known Sandeep even during his tenure at ICICI Bank as he was my wealth manager. Even at that time, I was quite impressed with his depth and breadth of knowledge and customer focus. My current house was obtained through him (and ICICI Properties) as once I casually mentioned that I was interested in a row house. When he started his own firm, I was quite happy to migrate all my investments to him. Through the years, he has been prudently managing my finances and I hardly make any financial decision without consulting him. It is practially impossible to make accurate predictions all the time but his financial calls have been much more often right than wrong. Over the years, I have got to know Sandeep personally very well and he is very knowledgeable, trustworthy and dependable.

Hariharan Krishnan, 46
IT Professional

Over a period of time, I have grown to trust Mr. Sandeep’s advice on financial matters. His foresight and his honest opinion on various investment instruments has made him a hit not just with me, but also with my family. He has solutions for all ages, and he will help you with both short-term as well as with long-term planning in a manner that is most comfortable to you. Between him and Megha ji, the entire process of investment is a piece of cake.

Payal Gunaki, 32
Homemaker

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