Goal-based SIP planning
Your child's education, a home, retirement — each gets its own target, timeline and set of funds, so you always know which money is for what.
Investing works better when someone knows your whole picture.
We help families and professionals put a plan behind their money — the right funds for each goal, reviewed every year, explained in plain language.
ARN-329225AMFI registered
NISM VACertified
DirectAccess to all AMCs
What could a monthly SIP become?
Move the sliders to see the shape of it.You invest₹18,00,000
Growth on that₹32,45,760
Estimated value₹50,45,760
Illustration only. Assumes a constant rate of return, which markets do not provide. Actual results will differ and mutual funds do not guarantee returns.
Why the money you don't invest is quietly shrinking
A savings account paying 3% while prices rise 6% is not safety. It is a slow, guaranteed loss you never see on a statement.
₹1,00,000 left in a savings account for twenty years still reads as a comfortable number at the end. But at 6% inflation, what it can actually buy falls to roughly ₹31,000 in today's terms. Nothing was stolen. The number just stopped keeping up.
Investing is not about getting rich quickly. It is about staying ahead of that erosion, and then letting one unusual piece of arithmetic do the rest of the work.
Compounding means your returns start earning returns of their own. In year one it is invisible. By year twenty it is the majority of your wealth — and the growth over the final five years can exceed everything the first fifteen produced.
Which is why the single biggest lever isn't the fund you pick or the market you time. It's when you begin.
The cost of waiting ten years
Both invest ₹10,000 every month until they turn 60. Both assume 12% a year. Only the starting age differs.
Priyastarts at 25 · invests for 35 years
She puts in ₹42 lakh of her own money.
Rohitstarts at 35 · invests for 25 years
He puts in ₹30 lakh of his own money.
Rohit invested only ₹12 lakh less than Priya. He ends with about ₹4.6 crore less. The gap isn't money — it's the ten years of compounding he never got back. This is an illustration at an assumed constant rate; real returns vary year to year and are not guaranteed.
The good news is that the best day to start was years ago, and the second best is this month. Let's set yours up.
What we actually do for you
Not fund tips. A structure you can keep following for twenty years.
Portfolio review
Already invested somewhere? We'll look at what you hold, where it overlaps, what's quietly underperforming, and what to do about it.
Lump-sum deployment
Bonus, maturity, property sale. We stage it sensibly across debt and equity instead of putting it all in on one day.
Tax-saving investments
ELSS and the rest of Section 80C, planned in April rather than panicked over in March.
Family and estate paperwork
Nominations, joint holdings, consolidating scattered folios, transmission after a death. The unglamorous part that matters most.
Staying invested
The real job. When markets fall 30% and you want out, we're the call you make first.
How we'd work together
Four steps, and you can stop after any of them.
A conversation
Thirty minutes on a call. Your income, commitments, what you're saving for and by when. No forms yet, nothing to sign.
A written plan
You get a document: goals, how much each needs monthly, which funds and why. If it doesn't make sense to you, it isn't finished.
Setting it up
KYC, folios, SIP mandates. Usually done in a week, mostly on your phone.
Reviews, twice a year
We check whether you're on track and adjust for salary changes, new goals or life. And we answer the phone in between.
About us
Tathya Wealth is an AMFI-registered mutual fund distribution practice based in Delhi, operating under ARN-329225.
Tathya means fact — what is actually so, as opposed to what someone would like you to believe. We chose it deliberately. This industry runs on projections, and we would rather give you the arithmetic.
We started this practice because most people we met were investing without a plan — a fund a colleague mentioned, an insurance policy sold as an investment, three accounts nobody was tracking. The money was there. The structure wasn't.
Our work is unexciting on purpose: understand what you're saving for, match it to the right funds, keep the paperwork clean, and stay in touch through the years when nothing seems to be happening. That last part is where most portfolios are won or lost.
We are NISM Series V-A certified and empanelled with all major asset management companies, so what we recommend isn't limited to one fund house.
Questions people ask first
What does this cost me?
You don't pay us a fee. We are paid a commission (trail) by the asset management company out of the fund's expense ratio, disclosed in every scheme document and in your statements. It means our income grows only if your investment stays and grows.
Can you guarantee returns?
No, and neither can anyone else. Mutual funds carry market risk and their value goes up and down. What we can commit to is a sensible plan, honest expectations, and being reachable when markets are ugly.
I already invest directly. Why use a distributor?
Some people genuinely don't need one. If you enjoy tracking allocations, rebalancing and doing your own research, direct plans are cheaper and you should use them. Most people we meet want someone accountable for the whole picture instead.
How much do I need to start?
₹500 a month starts most SIPs. The amount matters far less than starting and continuing.
Is my money held by you?
Never. Your investment goes directly from your bank account to the asset management company, and units are held in your name with the registrar. We facilitate and assist; we never hold or handle your funds.
Let's talk
Tell us a little about what you're planning for. We'll reply the same day.
- Phone
- +91 92117 03578
- invest@tathyawealth.com
- Hours
- Monday to Saturday, 10am – 7pm