How are funds rated Healthy / Stable / Watch / Critical?

Each fund gets a 0–100 composite score. The pillars are skill (rolling excess returns vs its cohort), downside risk and recency, plus credit quality for debt funds and tracking precision and cost for index funds – all percentile-ranked inside the fund's own category. 65 and above is Healthy, 50–65 Stable, 35–50 Watch, below 35 Critical. Tiers refresh quarterly.

How is a Mid Cap fund compared to a Large Cap fund?

It isn't. Every fund is ranked inside its own cohort – Mid Cap vs Mid Cap, Debt vs Debt, Hybrid vs Hybrid. A Hybrid 70 means the same thing as a Large Cap 70: 70th percentile in its own category.

How often does my portfolio get reviewed?

Tiers refresh quarterly on the rating side. Your portfolio diagnostic updates whenever NAVs settle (daily for most schemes). You'll see what changed and why on every refresh.

Is the research done by AI?

No. The research is human. Our team defines the methodology, sets the pillars and thresholds, reviews every category and signs off on what nyvo recommends. AI is used in a narrow supporting role – reading context, summarising documents, helping phrase an explanation in plain English. It does not score funds, rank categories, or decide what you should own.

Is nyvo money SEBI registered?

Yes. NYVO Investment Advisor is a SEBI-registered Investment Adviser (IA Reg No. INA000022172) and a BSE member (Membership 2469). Part of NYVO Technology Private Limited (CIN U62090KA2025PTC204991).

₹99 for three months, inclusive of taxes. That is the entire cost – there is no percentage of your portfolio, no transaction charge, and nothing added later. The fee applicable to you is set out in Schedule I of your advisory agreement, which you see and accept before anything begins.

How is nyvo compensated?

Only by the fee you pay. nyvo earns zero commissions, trail payouts, or kickbacks from AMCs, insurers, or platforms. That separation is the entire reason the advice is worth taking – nothing we recommend can pay us more than anything else we could have recommended.

Where does my money sit?

With your existing custodians – mutual fund AMCs, banks, brokers. nyvo never takes custody of client funds. We're an adviser, not a platform that holds money.

What should a couple agree on before merging finances?

Visibility before mechanics. Both people knowing total income, total debt, what is insured and who the nominees are matters more than whether the accounts are joint or separate. nyvo puts both sides in one view, so the conversation starts from the same numbers.

How much should we set aside for a child's education?

It depends on the year the money is needed and the kind of institution, because education costs in India have historically risen faster than general inflation. The useful step is turning it into a target amount with a date, then a monthly number – the plan does that for you, rather than leaving it as a worry.

Should we buy a child plan for our child's education?

A child plan bundles insurance with investment and typically does neither especially well. Term cover bought separately, with the rest invested plainly, is usually cheaper and easier to exit. nyvo sizes the cover and the education goal separately.

Should I support my parents or invest for my own retirement?

It is not a binary. Size the shortfall you are genuinely responsible for and fund it as a recurring obligation, while your own retirement contributions keep running. Stopping them for a decade is the expensive mistake, because those are the years that compound the longest.

What happens to our goals if one of us stops earning?

That is what the protection side is for. The plan sizes the cover against your goals and the people depending on them, so a term policy exists to keep the plan funded rather than as a product sold on its own.

SEBI Registered RIAINA000022172

India's only family finance platform.

Built for families who are investing but don't have a plan. Bring goals, investments and protection into one clear view.

SEBI-registered · Fee-onlyDirect plans only. No commission.

Bank-grade encryption
Read-only access – we can't move your money
SEBI-registered, fee-only advice
Your data stays in India · never sold

The problem

Most families are investing without a plan.

SIPs, insurance, retirement accounts and savings – all working in isolation. So the first time you learn the plan has a hole is the day you need the money. A college fee that lands before the fund is ready. An EMI that outlives the income paying it. A portfolio taking more risk for less return. nyvo brings every account into one plan, so you see the hole now, while it is still cheap to close.

What we plan for

Every rupee gets a job to do.

Financial freedom

Make work optional.

Child's education

Fund the education they deserve.

Emergency fund

A 4-month buffer for life's surprises.

Lifestyle fund

Travel, hobbies, the good stuff.

The product

One app for the whole picture.

Goals
Plan your family's goals.
Invest right
Invest right, based on your goals.
Analyse
Analyse your family's investments.
What to fix
Fix the funds quietly costing you.
What to buy
Know exactly what to buy.
Portfolio
A portfolio that gets you there.
Protection
The right cover for the life you've built.

Why fee-only matters

A fee-only adviser works for you.

Most “free” advice in India is paid for by commissions baked into your returns. Here's the difference.

Dimension	nyvo fee-only SEBI RIA	Typical distributor / agent
How they're paid	A flat advisory fee you pay directly	Commissions from the funds they sell you
What it costs you	₹999 a year, flat, including GST	Up to about 1% of your portfolio every year – up to ₹5,000 a year on ₹5 lakh
Plans recommended	Direct plans – zero distributor commission	Regular plans – trail commission baked into your returns
Whose interest comes first	Yours – SEBI fiduciary duty	Often the highest-paying product
What you actually get	A written plan across goals, investments, insurance and tax	Product recommendations, the “fund of the month”
Conflict of interest	None – we earn nothing from what we recommend	Structural – their pay rises with the commission you fund

How nyvo works

Built on principles, not product commissions.

No commissions, ever

No fund pays us for placement. We earn nothing from what we recommend.

Evidence, not opinions

Every rating runs on long-term data – never sales targets or marketing.

Always on your side

SEBI-registered, fee-only. Our only job is your family's money.

Portfolio health

See your portfolio the way an adviser would.

Every fund is rated against its category on performance, risk and consistency – so you see what to keep and what to fix.

Strong performance with controlled risk. Suitable for long-term holding.

Doing its job. Worth holding, though better alternatives may exist.

Needs monitoring. Wait before adding more.

Meaningfully behind peers or taking more risk than expected.

Ask anything

Your funds and goals, in plain English.

“Why is this fund rated Watch?”
“Am I on track for my child’s education?”
“How much am I paying in commission?”
“What changes if I retire at 50 instead of 60?”

The methodology

Investment Thesis & Rating Methodology

How we build your plan. How we grade every fund.

Trusted by families

Families who wanted clarity, not more products.

“nyvo helped me bring clarity to my life goals. From understanding how much insurance I truly need to aligning my investments with long-term objectives, they helped me see the bigger picture. Their structured platform gave me confidence that my financial decisions are aligned with where I want to be in the next 10-15 years.”

Akanshu Verma

Consultant

Built by finance operators

Lived every mistake. Now building the fix.

Harsh Soni

Founder

16+ years structuring billion-dollar M&As and IPOs at Bank of America, Kotak, and SBI Capital Markets. Former CFO at slice. Father of two – knows the family-finance maze first-hand.

Kshitij Jain

Founder

IIT-Delhi and IIM-Ahmedabad alum. Years as a consultant at BCG, then strategy at slice. Built nyvo after watching his parents lose their corporate health cover and getting lost in insurance jargon.

Questions worth answering.

How do you choose what I should invest in?

We start with your goals – when each one matters, how much it costs in today's rupees, and how flexible the timeline is. From there we pick the asset mix per goal: equity for long-horizon goals, debt and cash for near-term ones. Then we combine those per-goal allocations into a single portfolio sized for your life. No generic 60/40 models.

What is an emergency fund and how big should it be?

An emergency fund equals roughly 4× your monthly expenses, kept liquid – cash, liquid funds, or a sweep account. The point isn't to earn; it's to keep one bad month from forcing you to break a long-term holding. Insurance, not investment.

How does the lifestyle bucket work?

It's the slice you ring-fence outside your goals so you can take more risk without putting financial freedom or education at risk. The trip, the camera, the sabbatical. We don't moralise about the spend – we just keep it separate.

Can I buy and switch mutual funds inside nyvo?

Not yet. Today nyvo tells you what to buy, what to fix and why, and you place the order at your own AMC or broker – your money never passes through us. Direct-plan execution inside the app is expected within the next month. It will be optional and consented to separately: the advice does not depend on it, and it stays commission-free either way.

Free to use

Run your own numbers first.

41 free tools, no sign-up, nothing to install. Size the goal, then decide what to do about it.

All 41 tools

Now live on iOS & Android

Your family's money, finally in one place.

Plan goals, track investments and see exactly where you stand. SEBI-registered advice, built in.

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