Grow Your Wealth,
Peacefully

Frequently Asked Questions

• What is Value Research Stock Advisor?

  

  Value Research Stock Advisor is a premium investment advisory that offers ready-to-invest stock portfolios and expert stock recommendations that empower you to build a custom portfolio from scratch. You’ll also receive comprehensive analysis and actionable insights to optimise your investments. Our mission is to help you make informed decisions, build long-term wealth, and achieve your financial goals.

• What are the three ready-to-invest portfolios?

  
  1. Long-term Growth Portfolio: Aimed at investors seeking substantial capital appreciation over time.
  2. Aggressive Growth Portfolio: Geared towards investors willing to take on higher levels of risk for potentially higher returns.
  3. Dividend Growth Portfolio: Designed for those who prioritise capital preservation and regular income.

• How should I build a portfolio by investing Rs 25,000 every month?

  

  Before you begin, ensure you can stay invested for at least 5 years. Then, follow these steps:

  • Choose a portfolio: Select one of our three ready-to-invest portfolios based on your financial goals.
  • Pick your stocks: Start by selecting at least 5 stocks from the portfolio.
  • Place your order: Generate an order and execute it through your broker.
  • Repeat monthly: Continue this process every month.

  Portfolio management tips

  • Do not replicate: Our portfolios are dynamic, with stocks moving in and out over time. We advise against replicating every entry or exit.
  • Limit your portfolio: We recommend investing in at least 10 stocks and at most 20-25 stocks.
  • Trimming strategy: If you end up with more than 25 stocks, don’t worry. You’ll receive prompts to sell if a company develops fundamental concerns or becomes overpriced. Use these prompts to trim your portfolio.

• How should I build a portfolio by investing Rs 25 lakhs in lumpsum?

  

  We recommend investing a lumpsum only if it’s less than 15% of your total stock investments and you can stay invested for at least five years. Alternatively, a lumpsum investment is also advisable if a sudden market crash creates highly attractive valuations. Here’s how to proceed:

  • Choose a portfolio: Select one of our three ready-to-invest portfolios based on your financial goals.
  • Diversify your investment: Spread your Rs 25 lakh across 10 stocks to ensure diversification.
  • Place your order: Generate the order and execute it through your broker.

• What should I sell if I need cash?

  

  When you need to liquidate stocks for cash, consider the following priorities:

  1. Non-recommended stocks

  • Sell stocks not in our recommendation list.
  • Sell stocks with very low-quality scores.
  • Sell stocks with insignificant holdings (e.g., less than 2%).
  • Sell stocks with short-term losses to offset short-term realized gains and save on taxes.

  2. Recommended stocks

  If you must sell recommended stocks, prioritize as follows:

  • Start with stocks we've recently advised selling.
  • Next, consider stocks marked as "Hold for expensive valuations".
  • Then, look at stocks marked as "Hold for fundamentals”.
  • Consider selling stocks with small positions (e.g., less than 2% of your portfolio).
  • Sell stocks with short-term losses to offset short-term realized gains and save on taxes.

• What about my existing portfolio? Will I get one-on-one advice?

  

  Yes and no. While our analysts don’t provide personalized advice on your past investments, our powerful portfolio manager offers actionable insights to help you make informed decisions on whether to buy, hold, or sell.

  
  

  Also, as a Value Research Stock Advisor subscriber, you’ll have unrestricted access to premium features of our portfolio tracking tool, including alerts and nudges designed to enhance your investment skills and improve returns.

• What kind of stocks are recommended and why?

  

  We recommend stocks that are positioned for sustained growth based on the following key attributes:

  1. Strong fundamentals: Only companies with a good track record, a solid balance sheet and exceptional economics make the cut.
  2. High growth potential: We look for companies with a long runway for growth for years to come.
  3. Management evaluation: A stringent criterion, we do not touch companies with the slightest management malpractice.
  4. Reasonably priced: The best bets are companies bought for far less than their intrinsic worth. We are always on the hunt for good businesses selling at a discount.
  5. Special opportunities: Sometimes, new opportunities open up, or a stock becomes available at a discount, creating a lucrative entry point.

• How are stocks chosen for the service?

  

  Our stock selection process combines algorithmic filtering with intensive analysis by our experienced team, all personally guided by our CEO, Dhirendra Kumar. Here’s how it works:

  1. Quantitative screening: We start with a comprehensive screening of the entire listed universe.
  2. Proprietary validation: Companies that don’t meet our non-negotiable fundamental criteria are dropped based on a proprietary methodology.
  3. Risk assessment: Each company is further validated using a risk score that we assign based on multiple factors.
  4. Qualitative evaluation: We assess the sustainability and robustness of a company’s growth and earnings.
  5. Price and valuation analysis: We evaluate price and valuation based on the company’s earnings, earnings growth, and sustainability of earnings and growth. We are also guided by the stock's historical median P/E, P/B, and earnings yield.
  6. Management quality check: Management quality is of overriding importance. We evaluate it through an elaborate checklist, ensuring adherence to high standards of corporate governance, credibility, and ethics. We’ve allocated six parameters in our risk score section to objectively measure management quality, available for subscribers to review.

• Will you also tell me when to sell?

  

  Our analysts constantly keep a very close eye on the recommendations. We will issue a sell recommendation when we feel the fundamentals of the company based on which it is recommended have significantly changed or the valuation becomes unreasonably expensive.

• How can Stock Advisor recommendations be used in the short term?

  

  We firmly believe in the power of long-term investing. This service is ideal for investors who share this philosophy, as the minimum investment horizon for our recommended stocks is 5 years. If your investment timeline is shorter, we recommend opting for conservative mutual funds instead. To get the best mutual funds and build a portfolio, subscribe to Fund Advisor.

• Can I have a sample report?

  

  While we offer some of the most comprehensive and in-depth reports available, our service goes far beyond just providing reports. Simply reading a report won’t give you the full picture of what we offer. However, if you’re curious, here’s a sample report.

  Please note that this is a real report we issued on MUTHOOT FINANCE LTD. on February 8, 2021. It may be somewhat outdated by the time you read it, and the company may or may not be part of our current recommendations.

• What is the difference between Wealth Insight and Stock Advisor?

  
  1. Value Research Stock Advisor is a stock recommendation service that provides precise, actionable advice on which stocks to buy. These recommendations are available exclusively to subscribers on our website, along with additional tools to support your own research.
  2. Wealth Insight is a print magazine filled with informative and educational articles for equity investors. It’s a great resource for deepening your understanding and conducting your own research, making it an ideal starting point for investors at a fraction of the price.
  3. However, if you’re looking for a curated list of ready-to-invest stocks, Value Research Stock Advisor is the service for you.

• Who should not subscribe to the Stock Advisor

  
  • If your investment horizon is less than 4-5 years.
  • If you're seeking hot tips or quick multibaggers.
  • If you prefer stock recommendations based solely on technical indicators.
  • If you're uncomfortable with short-term market volatility.
  • If you tend to get overly excited by rising markets or panic during downturns.

• What if I am not happy with the recommendations you give me?

  

  We respect your right to stop using our service. You can request a cancellation to [email protected] up to 30 days from the date of commencement of the service. Please note that no refunds will be provided if you have chosen a monthly subscription plan. Details are available here: Refund Policy.

• What if I read the names of the recommended stocks and then cancel and get a full refund?

  

  That’s fine. We’re confident that the true value of our service lies in the ongoing research, guidance, and support we provide through various market cycles—something that thousands of our customers benefit from year after year.

  If you’re just after a list of stocks, feel free to do so. Best of luck!

• How have the recommendations fared?

  

  As per the SEBI code of conduct, we are not allowed to sell our services on the basis of the performance of stock recommendations. However, you can check the performance once you have taken a subscription. Moreover, you can request for a cancellation to [email protected] up to 30 days from the date of commencement of the service if you are not satisfied with the performance.