Business Model

What we do?

Our founder Sujith Salunkhe was looking to hire professional Traders to manage a portion of his proprietary portfolio. Soon enough he could witness the issue in finance industry.

Everyone is charging you for the “Knowledge Gap”.
No one is actually charging you for “Results”

So that means, A lawyer, A doctor earns for the knowledge that they have and you don’t. Knowledge gap demands the payment. However we believe finance industry should be driven via results. In the game of creating wealth, more knowledge never assures richness. No Phd can assure you wealth. Its a result driven game. You invest with the best performing asset. 

Moneydhan wants to solve 3 hurdles

  1. We want to generate 100% within 5 years.
  2. We never want to trust anyone with our money. No bank transfer, No pooling of my capital, No NAV which we cannot calculate ourselves. We invest in rupees, we must see those numbers in rupees.
  3. We should not pay anyone without seeing results.

Moneydhan says, when you have some capital to invest,

First option as an Indian is to go to Bank. Open a Fixed Deposit. The bank Employee will give him/her a guarantee certificate to double capital in 12 years at 6% interest rate. No risk, No time invested. You can invest 10 lakh to 1000 crores. Scalability is not an issue.

Second Option is Take this capital to gold. Expose yourself to some price fluctuation risk. As a compensation gold can double very 8 or 9 years, based on Historic data.

In that sense, Third Option is if you bring same capital to stock market. One should demand higher compensation for the inherent risk exposure which cannot be lowered. Thus we require 100% returns within 5 years at the least.
Our Demat Equity long term product has enough evidence to present our case.

Demat account ensures that you have complete control over your own capital. You need not share id or password to the app. No pooling of capital.

We are running this out of passion. An brand building exercise. Therefore we are okay to commit our time, resources and energy upfront for you. We want you to earn at-least 1 lakh profit first. And then pay us for the research,patience and conviction that we brought to the table.

02__________ Who we are
We are advisers, not distributors
We earn 0% commission or kickbacks from anyone else. Our only source of income is 10% profit share from you.
Fiduciary responsibility
All our advise is provided through a SEBI Registered Investment Adviser. Financial planning is a regulated activity and we take this very seriously.
03________________Result Based
Everyone charges for the “Knowledge Gap”. No one is actually charging you for “Results”
Knowledge Based :- A lawyer, A doctor earns for the knowledge that they have and you don’t. Irrespective of the outcome, You pay a fixed fee.
Paying Expense Ratio is Fixed Fee. Paying Exit load , Asset Management Charges, Subscription fee are all an indirect way of saying, " Pay me for my knowledge a fee. Don't question the results "
Result based :- model is akin to ola/UBER. You pay for dropping you at destination. Amazon Cash-On-Delivery is result based. World runs on result based.
We are volunteering to take up this challenge. You should pay for the result that you receive from us. We are willing to commit our reputation time, resources and energy upfront for you.
04________________Why to invest in stock Market?
Risk and Time to double
In India a person can do FD and gain 100% in 12 years at 6% interest. Same Money in stock market should give 100% within 5 years at the least.
Using rule of 72. Divide it with the CAGR, you get number of years to double. 72 Divided by 6% = 12 years (FD)
Risk Free
0 Years
Fixed Deposit @ 6% CAGR
Riskier
0 Years
Gold @ 9% CAGR
Riskiest
0 Years
Stocks @ 15% CAGR
At MoneyDhan we believe, In stock market you must generate 100% returns within 5 years or else, You have volunteered for more risk and getting under-rewarded.
05__________ Our Customer
You are not our Customer.
Your 10 Lakh or 10 crore investment does not earn us any fixed rupees income. We earn if you make profit from market first. This makes us partners.
Market is our Customer who pays to us. We need to wait until market generates profit to raise invoice from you.
It is Different.
For a MF/PMS/Broker you are the customer. The moment you invest, an expense ratio gets charges from NAV on daily basis. They love you and focused about receiving Asset Under Management from you.
Since you are the customer, focus is on attracting you via sales, advertisement and MF distributor. Giving returns from market is not the priority with a fixed fee model. Returns are secondary. Get that?
05.Our Customer
You are not our Customer.
Your 10 Lakh or 10 crore investment does not earn us any fixed rupees income. We earn if you make profit from market first. This makes us partners.
Market is our Customer who pays to us. We need to wait until market generates profit to raise invoice from you.
It is Different.
For a MF/PMS/Broker you are the customer. The moment you invest, an expense ratio gets charges from NAV on daily basis. They love you and focused about receiving Asset Under Management from you.
Since you are the customer, focus is on attracting you via sales, advertisement and MF distributor. Giving returns from market is not the priority with a fixed fee model. Returns are secondary. Get that?