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I am a subscriber, how do I invest via smallcase?
Once you have subscribed, go to the smallcase link. Click on Subscribe now > Login with broker, use the broker ID with which you have subscribed to this smallcase. Once logged in, you will get the option to invest in the same.
What are the details that you need for KYC?
Full Name, Phone Number, Email ID, PAN Card Number, Location (Broker Name, Brokerage ID if you want to integrate to execution via our partners)
What is risk profiling?
Risk profiling is a process that professional advisers use to help determine the optimal levels of investment risk for clients. Risk profiling aims to identify a client's level of required return, and therefore risk, to meet their investment objectives; their risk capacity and; their tolerance to risk.
How does Wright Research do Risk profiling?
Details of Wright Research's risk profiling methodology are found here: https://www.wrightresearch.in/blog/risk-profiling
what is index
Which regulations is Wright Research complaint to?
We are compliant to SEBI Registered Investment Advisor regulations
What are SEBI RIA regulations?
Details about SEBI investment advisory regulations can be found here : https://www.sebi.gov.in/legal/regulations/jan-2013/securities-and-exchange-board-of-india-investment-advisers-regulations-2013-last-amended-on-july-03-2020-_34619.html
What are recent amendments in the SEBI Registered Investment Advisory regulations?
The recent amendments are: https://www.sebi.gov.in/media/press-releases/jul-2020/sebi-notifies-amendments-to-sebi-investment-advisers-regulations-2013_47006.html https://www.sebi.gov.in/legal/circulars/sep-2020/guidelines-for-investment-advisers_47640.html
What is financial planning?
Financial planning is the process of seeking to meet your life goals through the proper management of your finances. Financial planning helps you make advance provision for financial needs that will arise in the future. The objective of financial planning is to ensure that the right amount of money is available in the right hands at the right point in the future to achieve an individual's life goals.
What is a Registered Investment Advisor?
Planning o invest around 25k a month in a 8-10 year horizon. The risk appetite is moderate and would want to invest for value. Will working with stocks be a better bet or will taking the mutual fund portfolios suffice.
Why should I make a financial plan?
Financial planning provides direction and meaning to your financial decisions. It allows you to understand how each financial decision you make affects other areas of your finances. For example, buying a particular investment product might help you save adequately to finance your child's higher education, or it may provide enough for a comfortable retirement. You can also adapt more easily to life changes and feel more secure that your goals are on track.
Who is a financial planner?
A financial planner is someone who uses the financial planning process to help you determine how to meet your life goals. The key function of a financial planner is to help people identify their financial planning needs, their present priorities and the products that are most suitable to meet their needs. He or she normally possesses detailed knowledge of a wide range of financial planning tools and products, but his primary role is to help clients choose the best products for each need. The planner can take a “big picture” view of your financial situation and make financial planning recommendations that are right for you.
Can I do my own financial planning?
Some personal finance software packages, magazines or self-help books can help you do your own financial planning. However, you may decide to seek help from a professional financial planner if: You need expertise you don't possess in certain areas of your finances. For example, a planner can help you evaluate the level of risk in your investment portfolio and revise your asset allocation; You need expertise you don't possess in certain areas of your finances. For example, a planner can help you evaluate the level of risk in your investment portfolio and revise your asset allocation;You don't feel you have the time to spare to do your own financial planning;You know that you need to improve your current financial situation but don't know where to start;You feel that a professional advisor could help you improve on how you are currently managing your finances;You feel that a professional advisor could help you improve on how you are currently managing your finances;You have an immediate need or unexpected life event such as an inheritance or major illness;You want to get a professional opinion about the financial plan you developed for yourself.
What should I look for in a financial planner?
A financial planner works for you. His or her loyalty should be to the client, not the product(s) he or she is trying to sell. We feel that being truly independent is the best way to give clients objective advice. As independent advisors, we do not have limitations or requirements to use any specific investment product or solution; this allows us to create customized financial plans designed to provide income and growth for our clients.
How can I plan for tomorrow when I can hardly pay for today?
Create a budget. Determine what you actually spend each month. There are fixed expenses like rent, loan repayments, etc. every month about which we can do little. The variable items such as food, clothing and entertainment are often what get away from us. Use your discretion to contain these variable expenses to start saving.
How much should I be saving?
It is hard to apply a rule of thumb toward savings, because it varies with age and income level. Ten percent is a good start. If you find that is too high for you, don't let that deter you. You can start by putting a little aside each month and then slowly increasing it.
What if I don't achieve my goals?
Financial planning is a common-sense approach to managing your finances to reach your life goals. It cannot change your situation overnight; it is a lifelong process. Remember that events beyond your control such as inflation or changes in the stock market or interest rates will affect your financial planning results.
Why do I have to provide so much personal information?
Consider a visit to your doctor. Without complete and fully accurate details, your doctor cannot prescribe the best course of action. The same applies to financial planning. In order to obtain the best service for your “financial health,” all details and specifics must be disclosed.
What type of information do I have to provide?
Typically, information regarding investments held, number of dependents, income and expenditure details, savings and financial planning needs, etc. The more accurate information you give, the better the quality of advice given.
What should a financial plan include?
A financial plan should include a review of your net worth, goals and objectives, investment portfolio, cash flow, investments, retirement planning, tax planning and insurance needs, as well as a plan for implementing your goals.
Why is there an evaluation of my insurance needs?
Evaluating your insurance needs is part of personal financial planning. Insurance takes care of your unpredictable needs, and because these needs can arise at any time, insurance is extremely important. Investments take care of your predictable needs and ideally should follow after your unpredictable needs are addressed. The insurance industry has changed a great deal over the past few years, and there is a whole array of new products from LIC as well as private insurance companies.
What about taxes?
It is important that financial plans are tax efficient. Your financial plan should help you in minimizing your tax liability and maximizing your after-tax returns from your investments. Some financial planners help their clients in preparing and filing their tax returns.
After a plan is developed, what’s next?
The best plan is useless unless it is put into action. Your financial planner will assist you completely in implementing the plan, if and when you desire.
How often should I update the plan?
It is good to review the plan when there is a lifestyle change such as marriage, birth, death or divorce. Any change in financial position should be evaluated as well. Most people have an annual update that reviews how the plan is being implemented. The review also considers changing goals and circumstances.
Do I have to meet my financial planner?
That depends on what you need. We have provided a questionnaire for you to fill out. Based on your responses, we will be able to prepare a financial plan customized for you. If you require a more detailed session with a financial planner, please call us at +91 6360127635, or email us at info@wrightresearch.in.
Do you offer execution?
No, we do not offer execution. We have tie up with technology platforms like smallcase who integrate execution in their services.
please confirm what is the rebalancing frequency in momentum small case
Do you support Groww as the Stock broker ? I am considering opening an account with Groww.
Who are your Partner brokers? Through which broker can I trade? what if I want to trade through my existing broker?
How can I execute the portfolios offered by you?
We have contracts with smallcase, wealthdesk,tradetron. iFast and other services which can be used for execution
How do you distribute?
What is your investment philosophy?
Rebalance of multi factor tactical portfolio
How is "Balanced - Multi Factor Tactical" different from "Growth - Multi Factor Tactical". I notice there is a difference in the plans available. Is there any other difference?
How frequently do you rebalance?
We rebalance monthly, but we look at the portfolio weekly and would change allocations within the month for a risky scenario
How is the smaller multi-factor tactical portfolio different from the normal one?
The difference in just the investment amount. In smaller smallcase we do not include stocks with prices > 5000 and constraint the weights to fit in 50k limit. The portfolios are 80% correlated.
test
What's inside these portfolio? I heard that you people have Mutual funds, equity portfolios and some other strategies on your alternative page? Please tell me about each one by one. Let's start with equity portfolios first.
What are alternative portfolio?
As this is the month end, should I have to invest now or in the next month. number 7021099073
i have wrongfully subsribed to wright and momentum smallcase of your's i have paid a monthly fees of rs 500 can i get my fee refunded
Can I subscribe with you as my trading account is with ICIDIRECT
Hello, I am a subscriber to "Mutual Fund - Aggressive". my email id is "borkar.shrikant@gmail.com" I have received a rebalance intimation. However, I have lost my login ID and password.. Request your help if you could kindly help. Thanking you in anticipation, Best regards, Shrikant Borkar +91-97020 10324
Hi, I am subscribed to Momentum Smallcase and wanted to switch over to Balanced MFT. Is it possible to transfer it without subscribing to the latter as they both come under Wright Research?
Hi Team, I would like to explore few investment options with wright. Would like to have a call with one of your advisors to understand the product offerings in detail. please reach out to me at 8971921856/ somyenmohanty@gmail.com
When I try to make payment it says payment in the favour of 'Wryght Research' and not Wright Research
Our company's legal name is Wryght Research & Capital Pvt Ltd. The brand name is Wright Research. So the current account where the payment is received is in the name Wryght Research & Capital Pvt Ltd.
When I want to pay 250/- as upfront fee on smallcase payment gateway, why does it ask for mandate worth 100,000?
The payment is being processed through an eNACH mandate, where the maximum amount of 1 Lakh that can be debited per mandate is shown as per the regulations but please be rest assured that only the amount that is due as per your subscription plan, will be charged.
if I invest in mutual funds with your advice, who will be the 'broker'? or will I be able to do 'direct' investment?
What is Price to Earning?
The price to earning ratio measures the share’s current value relative to the earnings per share. It helps in indicating the accuracy of value as a high PE means the stock is overvalued while lower is undervalued. Formula = Share price / earnings per share
Why no WACC. WHY NO - VALUE CREATED-ROCE-WACC÷ROCE
Why no WACC. WHY NO - VALUE CREATED-ROCE-WACC÷ROCE
What is Price to Sales?
The price to sales ratio is used to measure the market valuation for every sale made. It helps to indicate whether the stock is under or over-valued. The lower the ratio the more attractive it becomes to the investors as it means, the stock value it low compared to its increase in sales. Formula = Market Capitalization/ Sales (Revenue)
What is Price to cashflow from operating?
It measures the amount of cash generated by operating relative to its stock price. The higher the cashflow generated the more attractive it becomes as it means the company have liquidity and able to generate cash to compensate for its operating expenses. Formula = Stock price / CFO
What is Price to book value?
It measures the relation between the stock price relative to the book value of the company. As such, it indicates whether the stock is undervalued or overvalued compared to its book value (Assets- Liabilities). Formula = Stock Price / Book value
What is Price by earning to growth?
It measures the share value relative to its earnings while adding the growth rate to help draw a bigger picture of how the share is expected to perform in the future. The higher the growth rate the more attractive the share becomes as it means the value is increasing. Formula = (Price / EPS)/ (EPS Growth rate)
What is Earnings yield?
It shows the dividends for a year relative to the current price and market value of the share. This is an indicator to estimate whether the price of the share is under or overvalued. Formula = EPS for 12 months/ Share price
What is Solvency ratio?
It measures the company’s ability to meet its obligations using its assets. Formula = Operating income after tax / current liabilities.
What is Equity to asset ratio?
It measures the amount of equity the company has relative to its assets
What is Return on invested capital?
It measures the amount of return a company generates by investing its capital.
What is Return on equity?
It indicates the profitability of a firm relative to its shareholder’s equity. The higher the better as it shows the company is allocating its capital efficiently. Formula = Net income/ shareholder’s equity
What is Return on capital employed?
It indicates the profitability and efficiency of a company on how it utilizes its capital to generate profit. Formula = EBIT/ Capital employed
What is Interest Spread?
It is the difference between the interest rate paid to depositors of a bank and the interest rate paid by loaners by the bank It measures the ability of a bank to generates profit using interest rates.
What is Investment Yield?
It shows the earnings generated by in investments in a period of year.
What is Net Interest Margin Ratio?
It measures the net interest generated by credits issued compared to interest collected by loaners.
What is Provisions Coverage (%)?
The percentage of base assets that a company needs to pay for using its own funds. It measures the company’s ability to meet its obligations.
What is Cash to Debt Ratio?
It indicates the amount of time needed by a company to pay all of its debts. Its measured using the cash flow from operating to the debts and obligations.
What is CFO to Debt?
It indicates the amount of time needed by a company to pay all of its debts. Its measured using the cash flow from operating to the debts and obligations.
What is Dividend Cover?
It measures the number of times a company is able to pay dividends to its shareholders. Formula = Earnings per share / Dividends per share
What is Dividend Payout?
It is the percentage of income pay out as dividends to shareholders. Formula = Dividends / Net income
What is Retention Ratio?
It is the return of the net income used to grow the businesses Formula = retained earnings / net income
What is Asset Turnover (Turnover ratio)?
It shows how efficient the company is utilizing its assets to generate revenue and sales. It measures the value of company’s sales relative to its assets. Formula = total sales / beginning assets + ending assets
What is Cash Turnover (Turnover ratio)?
It measures how many times a company efficiently uses its cash to generates revenue Formula = Revenues/ Cash and cash equivalent
What is Days in Working Capital?
It measures the number of days a company is able to generate revenue using its working capital. The higher the days indicates the less efficient a company is using its capital. Formula = working capital / revenue
What is Fixed Asset Turnover?
It measures how much a company is able to generate cash using its fixed assets efficiently. Formula = Net Sales / Fixed assets
What is Operating Cashflow to Revenue?
It indicates the ability of accompany to turn its sales into cash using the cash flow from operating.
What is Assets to Shareholder Equity?
It shows how many assets are generated by using the shareholder’s equity rather than using debt. It indicates the profitability of a company Formula = Total shareholder’s equity / total assets
What is Capitalization Ratio?
It measures the percentage of debt a company has in its capital structure. The higher the debts the risker the company become. Formula = Total debts / shareholder’s equity
What is Debt to Assets (Solvency ratio)?
It measures the amount of assets financed using debts. It is an indicator of leverage, as such, the higher the debt to more change the company might default. Formula = total liabilities/ total assets
What is Long Term Debt to Equity (Net Worth)?
It measures the percentage of debt to equity used in the capital structure of a company. It shows the ability of a company to pay for its long-term debts using its own equity. Formula long term debt / book value
What is Weight of Debt (WACC Calculation)?
The percentage of debt a company has in its capital structure. Formula = Weight of debt * cost of debt
What is Weight of Equity (WACC Calculation)?
The percentage of equity included in a company’s capital structure. Formula = weight of equity * cost of Equity
What is Cash Ratio?
The ability of a company to meet its current obligations using its current assets after deducting inventory as it is considered as less liquid asset. Formula = current assets – inventory / current liabilities.
What is Current Ratio?
The ability of a company to meet its current obligations using its current assets. Formula = current assets / current liabilities
What is Net Margin?
It measures the percentage of income (Profit) generated from revenue Formula = revenue – cost / revenue
What is Operating Margin?
The amount of profit generated after paying all the operating costs that are not tax or interest expense Formula = Operating income / revenue
What is Cash Flow Return on Assets?
It measures the amount of earnings generated compared to value of an asset. Formula = Cashflow from operating / total assets
What is Interest Coverage?
The company’s ability to cover its interest expenses using its own equity. It measures the company’s ability to meet its obligations. Formula = EBITDA / interest expenses
What is Return on Assets?
It indicates the profitability of a company relative to its total assets. Formula = Net income / total assets
What is Gross Non-Performing Asset Ratio NNPA Net Non-Performing Assets?
The measure of the number of bad debts a bank has. As such, it indicates the healthiness of a bank as per receiving its interests from loans.
What is Net Interest Margin Ratio?
It measures the difference between the interest earned on their assets and the interest paid to the lenders.
What is Net Non-Performing Asset Ratio?
The measure of the amount of bad debt a bank has after using a provision to coverup for a percentage of the bad debt.
What is Current and Savings Account Amount?
Current accounts are the accounts where individuals use regularly to deposit and withdraw. Saving accounts are accounts where individuals use to save money, the interests for these accounts are high compared to the current accounts.
What is Current and Savings Account Ratio?
The ratio of deposits to current and saving accounts in a bank. It indicates the total amount of deposits as the higher ratio indicates the higher portion of deposits in on the current and saving account.
What is Tier-1 Ratio (Basel II) (%)?
Measures the healthiness of a bank through examining its core capital that is mostly consist of shareholder’s equity. As such the higher the amount existing in the core capital the healthier a bank and is considered as less risky. The ratio is calculated by dividing tier 1 by the total bank capital.
What is Tier-2 Ratio (Basel II) (%)?
it is the supplementary capital of a bank. It consists of less liquid capital as such, it is considered as less reliable.
What is Gross Non-Performing Assets?
The amount of bad debts the bank has. Meaning, it is the remaining amount of interest remaining unpaid by borrowers from the bank.
What is Provisions Coverage (%)?
The amount of provisions (reserved percentage of the bank’s profit) a bank uses to coverup for bad debts (non-performance assets).
What is Capital Adequacy Ratio?
The amount of reserves a bank holds as an insurance to pay for debts when it falls short on paying the debts. It is measured by dividing the total capital (tier 1 and tier 2) by the risk weight of assets. As such, it indicates the amount needed to keep up as reserves based on the risk of default each asset has.
What is Advance Yield?
The sum of all interests and income generated during a year divided by the average of investments during the year. It indicates the ability of a bank to generate profit from loans.
What is Cost to Income?
It measures the cost used to generate income. As such, it measures the bank’s ability to generate profit by lowering its cost to income.
What is Assets to Shareholder Equity?
It indicates the ratio between the company’s assets to amount of assets shareholders have on the company.
What is Capitalization Ratio?
It measures the percentage of debts on the company’s structure.
What is Debt to Assets?
It measures the percentage of debt a company uses to finance its assets.
What is Debt To Capital?
It measures the percentage of debt a company uses in its capital structure.
What is Long Term Debt to EBIDTA?
It measures the company’s ability to cover its long term debt before it covers its interest, tax, amortization and depreciation.
What is IBT Margin?
It measures the percentage of profit a company generates from its sales before it pays its tax obligations.
What is Net Margin?
It measures the percentage of profit a company generates from its revenue.
What is Operating Margin Before Contingencies?
It measures the company’s revenue from operation before it pays for its obligations
What is Cash Flow Return on Assets?
It measures the company’s ability to generate cash flow using its assets.
What is Interest Coverage?
It measures the company’s ability to use its assets to cover its interest obligations.
What is EV to Assets?
It measures the company’s whole value to its amount of assets
What is EV to CFO?
It measures the company’s total value relative to its cash flow from operation.
What is EV to Earnings?
It measures the company’s value compared to its earnings.
What is Enterprise Value to EBITDA?
It measures the company’s total value relative to its Earnings before interest, tax, amortization, and depreciation expenses.
What is Enterprise Value to EBIT?
It measures the company’s value related to its earnings before interest and taxes
What is Enterprise Value to Sales?
It measures the company’s value relative to its sales
What is Return on Assets?
It measures the company ability to generate profit using its assets.
What is Operating Margin?
It measures the percentage of profit a company generates from its sales.

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