Value Research Advisor vs Spendulum

Buy right. Fix the rest. Unclutter your portfolio and own only what works—with personalised, SEBI-registered guidance from India’s most trusted independent investment research institution. Most investors don’t start with an empty portfolio. They start with too many funds, the wrong funds, and no clear structure. The Value Research Advisor app fixes that. We tell you what to keep, what to remove, and what to add—based on three decades of independent research, with zero commission and no conflicts of interest. WHAT SUBSCRIBERS GET Fix Your Portfolio Know exactly what to buy, sell, or hold from the funds you already own. We tell you when to act—and when the most valuable advice is to do nothing. Advice That Adapts to You Goal-based, risk-aligned portfolios built for your situation—not a generic model. Funds That Pass Our Toughest Tests We reject what’s wrong before we recommend what’s right. Every fund is vetted on performance, risk, and cost. We recommend what the evidence supports, not what’s popular. Zero Commissions. Always. Buy, sell, and SIP in direct plans with ₹0 commission. We earn nothing from the funds we recommend. This is not a promotional offer. It is how we are built. Continuous Monitoring Alerts before you buy a poor-performing fund. When the evidence says sell, we say so. When it says hold, we say that too. Your Family’s Portfolio, Together Up to 6 family members on one subscription. One dashboard for every holding across all accounts and asset types. STOCK ADVISOR We tell you what to buy. And when to sell. Three curated portfolios of fundamentals-first stocks. Continuously monitored. Most services stop at the buy. We don’t. THE PRINCIPLES BEHIND THE ADVICE - Long-term equity ownership is the only reliable path to real wealth. - Inactivity is a skill. Our recommendations are designed to be held, not traded. - Costs are the only reliable predictor. Direct plans and low-cost funds are principles, not preferences. - We reject what’s wrong before deciding what to recommend. - Our ratings are algorithmic—no opinion, no bias, no influence. 33 YEARS OF TRUST India’s first independent fund rating was created in 1993. No AMFI ARN. No distribution commission. Ever. SEBI Registration No. INA100008443. PRICING - Fund Advisor (Mutual Fund Advisory): ₹490/month — for the entire family (up to 6 members) - Stock Advisor (Stock Advisory): ₹9,990 + GST/year Subscription required. For free research and tools, use Value Research Online—India’s trusted investment guide since 1992. Independent Advisors Private Limited. SEBI Reg. INA100008443. Principal Officer: Ashutosh Gupta. Compliance Officer: Rahul Rastogi. Grievance Officer: Deepa Mandhani.

Spendulum is a simple, private income and expense tracker for iPhone. Built with SwiftUI and SwiftData, everything stays on your device — with optional iCloud sync across your own devices. OVERVIEW • Monthly net balance at a glance • Income and expense flows for the selected month • “Where it went” category breakdown • Recent activity and month-to-month navigation ACTIVITY • Every entry grouped by day • Search by title, category, or subcategory • Filter by income, expense, month or year • Swipe to delete, tap to edit INSIGHTS • 6-month income vs expense bar chart • Per-category spending donut for any month • Drill into subcategories and individual transactions • Use AI assistant to get insights from your data ADD & EDIT • Type, amount, date, category (icon grid), subcategory (icon grid), and note • Attach receipt photos, screenshots, or files • Multi-currency: enter in any favorite currency; summaries convert using live rates • Lock in the exchange rate when you add a transaction so history stays accurate AI QUICK ADD (on-device) • Type or dictate a sentence and get a structured transaction draft • Scan a receipt or payment screenshot — OCR + on-device AI extract title, amount, type, and category • Photo is attached to the new entry • Uses Apple’s on-device models where available; no account or subscription required for AI features SIRI & SHORTCUTS • “Add an expense in Spendulum” • “Scan a receipt in Spendulum” • Share a screenshot or photo into a Shortcut that runs Spendulum’s Add from Photo intent CATEGORIES & SETTINGS • Full category and subcategory management (icons and colors) • Choose display currency and manage your shortlist of favorites • Theme color and light / dark / system appearance • Load sample data to explore, or wipe transactions when you want a clean slate PRIVACY • Local SwiftData store • Optional private CloudKit sync (your iCloud account only) • Camera, microphone, and speech recognition only when you use those features • No third-party analytics or accounts required Requirements: iOS 17 or later. On-device AI Quick Add needs an Apple Intelligence–eligible device running a supported OS version.