recipe

Recipe is an integrated financial planner that aims to empower & turn every investor into a smart investor through its intelligent tools and solid recommendations. 

Self-service by Recipe is your DIY (Do it yourself) Financial Planner that helps you build and manage your finances on your own. It offers various tools and resources that assist your investment decision-making process in every aspect of your life like retirement planning, buying insurance coverage or retiring your debt.

Just choose Sign In Option from the Top right Menu. Then create and verify your Account by entering your Mobile number, Name, and Email address. Your account is ready to serve you the perfect financial recipe!

Making your perfect financial recipe is very easy. You just need to follow a few steps.  
 

• Analyse Your Financial position:- 
  Evaluate your spendings, savings, borrowings & investments and determine your current financial situation by Prosperity Ingredients Tool.

• Know your personality:-
  Identify your personality traits and get an investment portfolio that matches through Financial Appetite Test.

• Build Your Goals:-
  Turn all your goals into reality with the action plans by adding all your goals on Goal Planner.

• Get your 360* recipe:-
  Check your Financial X-ray Report to know what's exactly wrong with your finances and get clever steps to boost your net worth.

• Invest with our Stock Recommendation:-
  Get actionable stock recommendations and execute your curated investment strategy based on your results

The platform Recipe is free to use but for accessing the stocks and mutual fund recommendations you need to subscribe to “Finology one”.

Yes, Recipe provides you with Quality and unbiased recommendations on different investment instruments such as Stocks, Mutual Funds, NPS, Fixed deposit, Insurance, Gold, etc.

We have tried to cover the most common queries in our FAQ and Help section but if you have any specific query, you can email it at support@finology.in

However, please bear in mind that Recipe will not provide any assistance or service on the following matter:- 
 

• Reviewing Your Existing Portfolio

• Queries related to Stocks or Mutual fund that are not covered by Recipe

• Personalised investment advice

The recipe free account has limited features while through the premium account, you can access all the tools and recommendations available on the platform. Also, the premium account offers hassle-free access to all the courses and tools available on our learning platform “Quest” and research platform “Ticker”. 

Self-service by Recipe helps you to evaluate your current and future financial standing and thereby enables you to achieve all your financial goals in a structured manner. Without understanding your financial standing and your investment objective, you will not be able to make the right decisions.
 

Of course, you can see the recommendation directly without using the self-service tools. You just need to sign-up your account by filling in your details.  Once you have signed up your account, you will be redirected to your Recipe dashboard, where you can select the “My recommendation” option from the side menu. However, before investing your hard-earned money, you should be clear about your financial goal, the timeframe and also your investment style and thus we would recommend you to use all tools before viewing the recommendation.
 

No, all the Self-Service tools are free to use. However, some of our recommendations are available only for premium members. To know the details, Kindly visit  https://www.finology.in/one

The self-service platform focuses on 4 important aspects of your financial life:
 

• Your Prosperity Index:- It evaluates the financial health of an individual in a holistic manner by assessing his spending, saving, borrowing and insurance. It also offers you tips and tricks to improve your financial health.

• Financial Appetite:- It helps you understand the nature of your investment style and what kind of investments are best suited to your profile.

• Goal Planner:-  Investment decisions are never “one size fits all”. With your personal goals and priorities, the platform helps you invest the right way.

• Financial X-ray Report:-  Summarises your financial profile and gives you actionable insights based on your score. 

We recommend any financial instrument only if it passes our in-house deep scan test, wherein we check if the company has the following characteristics-

D- Discount to intrinsic value (Reasonable Valuations)
E- Efficiency of business operations (Cost Advantage)
E- Ethical Conduct
P- Pricing Power (Strong Moat)
S- Scalability (Visibility of earnings growth)
C- Competitive Landscape (Industry Projections)
A- Appropriate Safety Net (Risk Mitigation)
N- No Biases (Behavioral Safeguard)

Finology Ventures Pvt Ltd is a SEBI registered investment advisor. Our qualified experts are actively involved in the stock-picking & filtration process.

Chef’s special is a comprehensive research platform designed to help you achieve your long term goals. It provides you with quality and unbiased recommendations on different investment instruments such as:

•  Stocks
•  Mutual Funds
•  Insurance
•  NPS
•  Fixed Deposit
•  Sovereign Gold Bond (SGB)

To view your recommendations, please click here

There is an “Edit” button after every tool through which you can update your inputs.

A financial X-Ray is a report that summarises your financial profile and gives you actionable insight based on your score. To view you financial X-ray report, please click here.

Financial appetite helps you understand the nature of your investment style and the kind of investments that are best suited for your profile.

No, Recipe by Finology is a DIY investment platform. The recommendations given are the same for all, and we do not provide individual advice.

We do not offer portfolio management services. Instead, our services will help you manage your portfolio efficiently. We will provide you with unbiased research, recommendations, portfolios, and updates to ensure that you get the best of our services.

The number of stocks in our portfolio keeps changing depending on the market conditions and the quality stocks we can discover at fair valuations.

The number of stocks in our portfolio keeps on changing depending on the market conditions and how many quality stocks we are able to discover at reasonable valuations. Till the validity of your subscription, all the stocks available with us will be visible to you.

Valuations of stocks change on an everyday basis. We publish the maximum buy price for each of our recommended stocks to help you build your portfolio in a phased manner.

A company's business model mostly remains the same. Hence, there won't be a need to make frequent changes in the report. However, if there is any update in any particular company, it will be updated on our 'Investment Insights' section.

Max buy price is a fair value of a stock, which is calculated based on fundamental analysis of the stock. We recommend you to buy the stock if the stock's current market price is trading below our Max Buy Price.

The changes in the Max buy price depend on the market scenario and the suggestions of our experts based on external events. There is no fixed periodicity, but the changes in Max buy price, if any, will be visible on your dashboard.

No, it would not be advisable to buy any stock whose current price is above the Max buy price.

Generally, all our recommendations are based on long-term investments. There is no fixed periodicity for holding a stock. Any action required on your portfolio will be based on the market scenario, fundamentals and growth prospects of the individual stock.

No, you will have to be subscribed to our services in order to get the buy and sell recommendations. The updates on buy and sell will be uploaded in the “Investment Insights” section of the dashboard.

No, there won’t be any target price or target horizon for our stock recommendations. We focus on owning quality businesses rather than finding short-term opportunities based on some price target. We will continue to hold the stocks as long as our investment thesis holds strong.

Currently, the Mutual Fund portfolio will contain four funds. It is to ensure that you don't spread the money in too many funds. Though it is important to invest in diversified avenues, one should make sure that it is not overly diversified.

The minimum horizon period for staying invested in the recommended Mutual Funds would be 3-5 years. This should be done to save yourself from hefty taxations and generate adequate returns.

There is no fixed minimum amount that is required to start investments. It solely depends on your personal goals and objectives.
 

For your assistance, we have curated certain tools for you that will suggest the required amount that should be invested according to each of your financial goals.To access the tools, please click here.

All our recommendations are for long-term investments. However, we provide a few debt instruments like liquid funds, fixed deposits, etc., to take care of your short-term needs.
 

We always keep an eye on our recommended financial instruments. Any required act on your portfolio will be based on the market scenario, fundamentals and growth prospects of the individual financial instruments. There will not be any fixed periodicity for the same. Any update on your portfolio will be updated on our 'Investment Insights' section.

We do not provide any transaction platform for investing in the instruments. However, you can visit select to choose the best suitable broker.

Sorry, we would not be able to change the recommended instruments as per your requirements as we provide standardized recommendations to all of our users. We would suggest you to kindly consult with your investment advisor before deciding to make any investment.

Asset allocation is a technique to distribute your investment funds into various financial instruments like stocks, mutual funds, bonds, etc. It is done to manage risks by diversifying an investment portfolio. Asset allocation is one of the most essential tools you can use in your mission to acquire a diversified portfolio. It will help you in putting the right amount of money into various securities. 

To understand asset allocation in brief, you can refer to our blog.

We do not review your portfolios nor do we provide our views on any financial instruments, other than those that we cover.
 

Yes, we recommend a few debt instruments like liquid funds, fixed deposits, etc., for your emergency needs.

No, we do not provide any Relationship Managers to assist you with your investments. Recipe is a “Do It Yourself” platform and does not include the help of any investment expert or relationship manager.

Although, we have tried to cover most of the queries in our FAQs and Help section, if you have any particular query, you can email us at support@finology.in

However, please bear in mind that Recipe will not provide any assistance or service on the following matters:- 

• Reviewing Your Existing Portfolio

• Queries related to Stocks or Mutual fund that are not covered by Recipe

• Personalised investment advice

Yes, you can change the Financial Appetite by following these steps:

Step 1- Login to your account

Step 2- Click on “Financial Appetite” on the Dashboard

Step 3- Finally click on “Edit Result”

No. Given all the complexities of the Stock Market, no one can provide you with guaranteed returns or the guarantee of returns, and so, neither do we. But rest assured, we do guarantee our best efforts in finding the right investment option for you. We shall put our heart and soul in doing the right research and bringing out the best options for you.
 

Investment Insights provide you access to portfolio strategies, industry research and investment trends that will help you ease your investment journey. You can view your Investment Insights from here.
 

Your personalized investment plan is prepared based on your financial appetite, goals, and cash flows. It may not be suitable for someone else. So, it is not advisable to share the subscription with others.
 

We do not provide individual advice on tax planning. However, tips and some of the most tax-efficient instruments are covered in Recipe.

Our Stock selection is based on value investing philosophy. We do not provide any intraday or short-term recommendations.

Portfolio Diversification is an act where investors make investments across varied asset classes to limit the exposure of any particular investment. It is done to avoid the risk as different asset classes perform differently under any given condition. To understand portfolio diversification in brief, you can refer to our blog.
 

It is a strategy to re-align your portfolio by buying and selling stock and funds to maintain your targeted asset allocation. It is done to rebalance your portfolio to outperform the markets or to obtain the desired returns. It can be done at regular intervals or depending on the existing market situation.

The suggested Asset Allocation is based on your financial appetite and the financial inputs you have provided. You can choose to alter your financial appetite as per your requirements, and accordingly, the allocation will change.

Cryptocurrencies are highly volatile in nature and are not considered a safe haven (like gold). Additionally, they do not have any regulators or government bodies backing them. Hence, the security of funds always remains an issue with them.

Considering its constraints and some more, we do not recommend investing in cryptos.

We do not provide any kind of trading tips or strategies. We believe in inculcating long-term Investing habits based on solid fundamentals with time-tested value investing principles. Our aim is to build quality portfolios driven by fundamental analysis.
 

Yes, an NRI can invest in the Indian market, but there are restrictions on some financial instruments. So, this subscription might not be completely useful for a non-Indian citizen.

It’s an online tool that assesses your financial standing and your attitude towards risk and determines the right investment style that perfectly suits your income, goal and risk preferences.

The tool has been carefully designed by considering all the financial factors and behavioural aspects that can impact an individual’s decision to invest. 

To know your investment style, Click on the top left menu and then tap on ‘’Financial Appetite”’.  Please remember that the assessment does not have any “right” or “Wrong” answers, select the option that best describes you. Upon completion of the assessment, you will be put to an investment category based on your Financial Appetite Score.

Here is how you can interpret your investment Category:- 

• Conservative Investor:- Your main priority is to safeguard your investment corpus. You are unwilling to accept high fluctuations in your investments and desire low but consistent returns. 

• Moderate Investor:-  You are willing to take modest risks to seek higher long-term returns. You are prepared to bear some degree of volatility to protect your corpus from inflation and taxes. 

• Aggressive Investor:- You are interested in reasonably solid growth over the long term. You recognise that you may have negative returns from time to time but you want to have your corpus largely invested in growth assets.

• Very Aggressive Investor:- Your Primary object is maximizing returns and for that, you are willing to accept substantial risk. You are comfortable with extensive volatility and not concerned about liquidity.

Every individual has a different income pattern, financial goals and behavioural personality and thus the investment strategy cannot be standardised for everyone. An investor needs to ensure that his/her portfolio is aligned with his investment goals and risk tolerance and this is where “Financial Appetite Recipe” comes in help. The tool is designed to measure your risk-bearing capacity and assist you in choosing the right investment approach for financial goals.

Retirement planning means preparing for life after the paid working period ends. It means setting aside funds and investing with the purpose of retirement in mind.

Step 1: Input your current monthly income

Step 2: Enter your Monthly Expense on necessities (Needs) like Food, Rent, Utility Bills

Step 3: Enter your approximate monthly spendings on discretionary items (Wants) like restaurant bills, shopping bills, and spending on entertainment. 

Step 4: Enter your EMIs and Monthly Insurance premium amount.

Step 5: Get the details of your spending habits and tips to improve the same.

The sooner you start saving for retirement, the better. When you start early, you get a higher advantage of the power of compounding interest which even helps you in creating a sizable corpus with less investment amount. 

One cannot work forever and at some point of life, you’ll reach an age where you either won’t want to work anymore, or just can’t work anymore due to health reasons. At this point, Your regular income may start falling while the expenses will significantly go up and thus it’s important to have an alternative source of income for your post retirement needs. A good retirement plan not only keeps you from being a burden to your children, it also allows you to enjoy your desired lifestyle.

Simply enter all the values in the input cell - Your Monthly Expenses, your current age, Retirement Age, Existing investment details and you will get the result in terms of the amount required to achieve your retirement goal comfortably.

It is the process of building a corpus that will help you to fund your child’s education. A proper financial plan for your child will help him to focus on his career without worrying about finances even in your absence.

The education costs in India have been increasing dramatically. For instance, the cost of admission into IIMs was 4.5lakhs in 2007. This is now 20 lakhs in 2021 and it is similar for most of the courses. Nobody wants to compromise on quality particularly when it comes to education hence planning is important.

You should start investing as early as possible as it gives you a long-term horizon. The cost of education is expected to rise more in the future, thus early investments can help you in building a significant corpus.

Child’s Education Planner is one of the tools on Recipe platform that allows you to plan for your child’s future educational expenses. You need to Input the current age of the child, the child’s age at the time of higher education and the present cost of education. If you have already saved some amount for said goal, you need to fill in the details of the same in the existing investment cell. Upon entering the above inputs, Recipe will give you the estimated investment amount required to fund your child’s higher education.

Parents often underestimate the amount of money required while planning for child wedding and end up taking a personal loan to fund the wedding-related expenses. Planning the goal ahead ensures that your child’s grand celebrations don't need to be downsized for financial constraints or you don’t have to borrow a high-cost loan. 

It is an easy-to-use tool available on Recipe Platform that will help you get an estimate of the amount you would need for your child’s wedding purpose. You need to simply click on the calculator and enter the details that are asked and the tool will give you the amount that you need for your child's dream wedding.

The tool considers all the factors and complexities that come with the goal planning and then gives you a fair estimate of the future cost of your child’s wedding and the investment requirement for that. If you are looking for a detailed plan for your financial milestones, Recipe is here to help you!

Buying a house is one of the important financial goals for many individuals. But due to the high financial commitment, many people find this goal challenging to achieve. Planning the house purchase ensures that you are well equipped to achieve it on time without pushing your retirement back or altering other investment goals. 

There are a lot of factors to consider before buying a house. The important ones are Location, Interest rates, Economic conditions, Resale potential, Government policies etc. Buying a house is an expensive decision in India. It may take your life savings and put you in a major financial crisis. So it is ideal to consider all those factors and decide the purchase as per your affordability.

Owning a house is a dream of every Indian. Our new edge tool consider the complexities and factors that arise while planning to buy a house and try to give you the best information possible so that you can reach your goal on time.

Recipe gives you an idea about the future cost of your dream house and the amount you may need to invest to increase your chances of acquiring it on time. To get the result, You need to simply adjust the duration and your estimated purchase value and the details of existing investment made(if any) using the tool. Upon entering the details, the tool will give you the right estimate of the amount you need to set aside to make your dream a reality.

For most people, a car is the 2nd most expensive purchase after a house. Planning the goal prior to the purchase can help you create your desired corpus. You must keep in mind that there is no point in buying a car out of social aspiration as it jeopardizes your retirement goals. 

Apart from the technical aspects of buying a car, one should also keep other aspects in mind, like the resale value, car insurance costs, mileage and repayment cost of car loan (if you are planning to take a loan).

Car loans have an average tenure of 5-7 years and it comes with a minimum interest rate of around 8-9%.  These factors add up 20-30% of the cost on top of the actual cost of the car. On the other hand, if you choose to invest the downpayment amount in a mutual fund for 5 -7 year, you can comfortably afford your dream car without borrowing any money.
 

Step 1:- Input the current cost of your dream Car

Step - 2 Select after how many years you wish to buy the car.

Step - 3 - Input the details of your existing investment made for the goal

Step 4 - Recipe will display the amount you need to invest every month to fulfil your financial goal.

Wealth creation is a process of building wealth through investing your savings in different asset classes like gold, real estate, mutual funds. The rise in their value will lead to a rise in wealth.

Income is the flow of money earned from a business or any work whereas wealth is the value of your assets. One of the main differences is that while income is steady, wealth is more volatile as prices of your assets fluctuate.

Everyone dreams about being wealthy. Wealth can help address a lot of issues like health, unexpected expenditures, funding your lifestyle related expenses and all other financial needs. It ensures Steady income flow to fund your daily expenses so that you don’t compromise your lifestyle even after your retirement.

Step -1:- Enter your target wealth amount

Step -2:- Input your investment horizon - the time period till which you expect to hold the investment.

Step- 3:- Fill up the details of your existing investment and the expected return from it.

Step -4:- The Wealth creation Recipe will show you the monthly investment amount you need to make to reach the goal comfortably.

Wealth Creation Calculator on Recipe considers all the factors that go into wealth generation and then decides your target investment amount. If you are running low on time and want a quick idea about how much investment you should make to achieve wealth creation, Recipe is the best bet.

While we usually plan our travel bookings three to six months in advance,  we often forget to consider it as a financial goal. As travelling involves cost, you should plan it in advance to put less stress on your wallet. 

For bigger trips, you should start planning as soon as possible. Investing for a longer duration will yield a higher return and helps you to create a bigger corpus. Ideally, your investments should cover all the travel expenses and some of the other costs.

If your current savings are not enough to cover your dream trip right now, you can still find a way to travel affordably with the help of the Vacation planning tool by Recipe. The tool will give you a quick estimate of your future travel cost and the investment amount you need, to make your dream a reality.

You can think of this calculator as your Debt consultant. It will look at your outstanding loans and EMIs and give you a risk based score on your solvency position.  The rating will give you an idea of where you stand and help you prepare your future finances.

In India, banks generally approve loans when your EMI to Income is less than 40%. But as per the rules of personal finance, any level of debt can dent your finances, if you don’t know how to manage it.  To know the exact picture of your debt level, use the debt diagnosis Recipe.

Step 1:- Input your Current Monthly Income

Step 2:- Input your aggregate monthly EMIs

Step 3:- Fill the details of your existing debt and assets

Step 4:- Get the EMI to income ratio and your debt risk score

A high score does not necessarily mean that you are in a debt trap but it’s an indicator that your liabilities need immediate attention. If you have multiple credit lines or a huge outstanding loan balance, you should plan a sensible repayment strategy.  We would recommend you to use our snowball calculator to reduce your repayment cost and pay off your debt quickly.

An emergency fund is a kind of savings fund, it is used for different purposes. While an emergency fund aims to cover your unexpected expenses like job loss or medical emergency, a savings fund is created for planned expenses like buying a car or house .

The thumb rule for the right emergency fund is that it should cover 3- months of your expenses/income. However, Recipe goes a step further and takes into account other important factors before giving you the ideal emergency fund amount. 

An Individual's spending priority changes with time as family and health become more important. Thus with any change in the income or lifestyle pattern, you should review and replan your Emergency fund. 

Simply click on the Emergency fund planner, enter the information in the given fields and Recipe will tell you the required Emergency Fund and the time it will take you to achieve the same. 

The tool takes into account your income and your expenses on various items and analyzes your behaviour to find out whether you are a saver or a spender.

Debt restructuring Recipe is a strategy designed to help you in the process of becoming debt-free. The tool prioritizes your debt repayment in order of smallest to largest and helps you in stelling your liabilities faster.

The Recipe is designed to lower your repayment cost and build your path to financial freedom.  The advantage of the tool is that it creates a disciplined approach to the debt settlement process and keeps you motivated while paying off the loan.

Step 1:- Input your Total Monthly EMI

Step 2:- Input the amount which you can contribute towards debt repayment monthly. 

Step -3:- Enter the details of your loans like Outstanding Loan Amount, Interest rate, EMI etc.

Step 4:- The tool will show you the right repayment schedule for your loans and the amount which you would save by following the repayment strategy. 

Click on the "My Recommendations" section on your dashboard. On each recommendation box, you will notice a “Report” button in the  bottom right corner. You can download the report by clicking on it.

This generally happens, when your Recipe profile status is incomplete. Before using the calculator make sure you fill both of these section on your dashboard in the order mentioned:

1. Prosperity Ingredients

2. Financial Appetite

You can view your recommended financial instrument from the “My Recommendations” section on your dashboard.

No, we won't be providing you with new recommendations every month. We, at Finology, strongly believe in investing for the long-term and avoid making frequent changes in our recommendations. The new recommendations, if any, purely depend on the market conditions and valuations of the quality stocks at that time.

Education is the passport of success. Many employees wish to take a break from their job to pursue higher studies but due to financial constraint, they are unable to afford it.  With proper financial planning, you can fund your education and enjoy your career break, the way you want.

The cost of education is getting more expensive every year. Additionally, for breadwinners, career breaks become very challenging as they need enough money to cover the household expenses in addition to their education expenses. Thus to finance your dreams, planning is crucial.

Step -1:- Enter the estimated cost of your education (If you’re the sole breadwinner of the family, include the household expense amount for the time when you are not earning).

Step -2:- Input your time period- When you are expecting to go for higher education

Step- 3:- Fill up the details of your existing investment. 

Step -4:- The Self Education Planner will show you the monthly investment amount you need to make to reach the goal comfortably.

Though we have covered all major long term goals in our goal planner tool, but as different people have different needs and so are their goals. You can use our custom goals calculator to plan your short term goals like buying a laptop or a phone or maybe do a certification course.

Step 1:  Enter the name of the goal you wish to achieve

Step 2:  Enter the time horizon in which you wish to achieve this goal

Step 3:  Now enter the amount required to achieve this goal

Step 4: Enter the amount that you have already saved for this goal.

Step 5: Write some description about the goal you wish to achieve. Though this is an optional step.

Step 6: Upon clicking the Plan Goal button, the Recipe will display the amount you need to invest every month to fulfil your financial goal.

You can improve your spending habits by various methods. Some of them can be:

• Prepare your monthly budget: Plan your monthly budget considering all your necessary items such as rent, food, etc, and then allot the rest of the money for other needs.

• Setting your short-term financial goals: You should have a specific plan on what not to spend your money on. For example “I would decrease my spending on online shopping this month”.

• Always track your spending: You should always have a track of things that you are buying and this would help you not overspend. You can do this by sorting the items into categories. 

• Identifying the emotional triggers that cause you to spend: You must identify the factors which tempt you to overspend. These factors can be peer pressure, lifestyle as well as mood. For example, if your friend is buying something unnecessary you don't need to buy it under pressure.

• Identify your needs and wants: You must separate between your needs and your wants and should also have a division for that in your budget. Doing this you will save money which you spend sometimes unknowingly.

A health plan covers your medical expenses and saves you from financial troubles. There has been a steep rise in healthcare costs and meeting them often burns a hole in the pocket. This is when having a health plan helps. You can avail quality and timely medical treatment, without worrying about the expenses.

Life Insurance products provide a definite amount of money in case the life insured dies during the term of the policy or becomes disabled on account of an accident. It ensures that the dependents have some financial support in case of the unfortunate demise of the policyholder.

There is no better time to buy a term life insurance policy.  Ideally one should purchase a term insurance policy immediately after starting a job. Also, in the case of a life insurance policy, your premium remains the same until the end of the policy term, so if you buy at an early age, the premium would be less. 

Age is one of the biggest factors that determine your insurance premium as the older you get, the more susceptible you are to diseases and thus premiums are higher. If you have any pre-existing health conditions then also your health insurance will be more expensive. Certain lifestyle habits like smoking can also make your premium cost more expensive.

Valuations of stocks change on an everyday basis. We publish the maximum buy price for each of our recommended stocks to help you build your portfolio in a phased manner.
 

We’re afraid we don't do that owing to regulatory reasons. Recipe’s purpose is to enable you to check, analyse and fix financial issues by yourself. And so as a DIY investment platform, we do not provide personalised portfolio reviewing.

Chef’s special is a comprehensive research platform designed to help you achieve your long term goals. It provides you with quality and unbiased recommendations on different investment instruments such as:
1. Stocks
2. Mutual Funds
3. Insurance
4. NPS
5. Fixed Deposit
6. Sovereign Gold Bond (SGB)

Yes! And trust us, you shouldn’t miss out on the Chef’s Special, because it gives you recommendations on Life insurance, Health Insurance, Fixed Deposits, Liquid Funds, Pension Plans and Tax Savings Fund for free. Though a large part of Recipe is free to use but to access the Mutual fund and stock recommendation, you need to subscribe to Finology One.
 

No. At Finology, our primary focus lies in value investing that caters to your long-term goals and that guides the stock selection process. Short-term recommendations and intraday are riskier; we do not intend to gamble away your hard-earned money.
 

The principle of value investing is the key drivers of Finology’s functioning. Reasonable valuations are always the best determinants to gain exposure in quality investee companies. And so, the number of stocks in our portfolio varies depending on the market conditions.

Recipe’s purpose is to enable you to check, analyse and fix financial issues by yourself. And so as a DIY investment platform, we do not provide personalised recommendations as per your risk profile. The recommendations given are the same for all and we do not provide individual advice. 
 

No, there won’t be any target price or target horizon for our stock recommendation. We focus on owning quality businesses rather than finding short term opportunities based on some price target. We will continue to hold the stocks as long as our thesis holds up or we find a better alternative to invest the money.

The buy and sell recommendation will be uploaded in the “Investment Insights” section of the dashboard. The same will also be notified to you via email.

Team Finology embodies the principle of quality over quantity. For us, our patrons are everything. And this reflects on the portfolios we provide; they’re neither too diversified nor too concentrated and hence, function finely to give you the best investing experience. To further cater to your financial growth, we recommend 4 well-diversified Mutual Funds in a portfolio.

Nope! Why disrupt your schedule and rely on advisors that eat-up your time and money to tell you things that you can know for yourself! Yes! You heard it right! With our “Do It Yourself” platform Recipe, you can sort out all your investment and finance related issues at your own convenience.

We do not provide any individual advice on tax planning but tax planning tips and some of the most tax-efficient instruments are covered in Recipe. So, with Recipe, you can do it in a super efficient way on your own!
 

We are a firm believer of long-term wealth building and so is our research. Recipe's recommendations are scientifically-curated and expert-picked, all with a long-term horizon in mind. The stocks and mutual funds are reconsidered for analysis on a regular basis, and are thus, relevant. You don't need to worry, whenever we feel like it, we shall surely churn the portfolio and bring new hidden gems for you! 

Kindly refer to the Help section after updating your details under Prosperity Ingredients, Financial Appetite, and Goal Planner.