Market-Aware
Same fund, different verdict in different markets. We judge funds against the yardstick that matters for the current regime – not a fixed checklist.
SEBI RegisteredRIA – INA000022172
Making moneystress free.
Your family's money – planned, tracked, fixed. SEBI-registered, conflict-free, direct plans only.
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Three things we'll never compromise on.
Evidence-Based
10+ years of return and risk data, refreshed quarterly. Every Healthy / Critical call traces back to a measurable shift – never to an AMC pitch.
Transparent
Methodology is public. No fund pays for placement. Every tier change is explainable from the sub-metrics – you can audit it.
Every plan starts with what you actually want – emergency, education, retirement, a holiday. Each goal gets a target amount (inflation-adjusted) and a target year. Without a destination, investing is just hoping.
Two things every family needs that don't fit a goal allocation.
Emergency fund
4× monthly expenses, kept liquid
Same-day access. Cash, liquid funds, or a sweep account – never equity. 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.
≥ 4× monthly spendLifestyle fund
For you, not the goals
The trip, the camera, the sabbatical, the watch. Sits outside your long-term goals so you can take more risk here without touching what matters. We don't moralise about the spend – we ring-fence it.
Higher-alpha permittedA goal 25 years away can take equity risk; one in 2 years cannot. We pick the asset mix per goal – and combine them into a single portfolio sized for your life, not a generic model.
Project your FIRE age, net worth at 60, and stress-test against conservative and aggressive scenarios. See exactly what's needed to get there.
Tiers to track your actual portfolio.
Refreshed periodically, basis market movements. Every fund is scored inside its own cohort – Mid Cap vs Mid Cap, Debt vs Debt – so a Hybrid 70 means the same thing as a Large Cap 70.
HealthyThis fund has better performance vs its category peers, with risk well under control. Suitable for SIPs and core long-term holding.
StableA dependable performer that's tracking its category, just not leading it. Fine to continue holding, but a Healthy fund may be a better choice for new SIPs.
WatchRecent performance or risk metrics have deteriorated. Stay invested, but wait for the next refresh before adding more.
CriticalThe fund is meaningfully behind its peers or carrying more risk than expected. Consider switching.
We grade every fund you hold – Healthy, Stable, Watch, Critical – and surface what's pulling its weight and what's quietly leaking returns.
The goal isn't a fresh portfolio – it's getting you to the target with the least disruption. Sell the underperformers, keep the winners, rebalance only what's needed.
Insurance is not an investment – it's the safety net underneath your goals. We compute the right cover (term + health) for your risk profile and recommend specific plans. No commission to us, ever.
Trusted by families
“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.”
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.
A. The Plan
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.
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.
It's the slice you ring-fence outside your goals so you can take more risk without putting retirement or education at risk. The trip, the camera, the sabbatical. We don't moralise about the spend – we just keep it separate.
B. The Rating Model
Each fund gets a 0–100 composite score built from rolling returns, downside risk, consistency, and cost – all percentile-ranked inside the fund's own category. Healthy and Stable mean the fund is doing its job; Watch means a measurable deterioration; Critical means it is meaningfully behind peers or carrying excess risk for the category. Tiers refresh quarterly.
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.
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.
C. Trust & SEBI
Yes. NYVO Investment Advisors is a SEBI-registered Investment Adviser (IA Reg No. INA000022172) and a BSE member (Membership 2469). Part of NYVO Technology Private Limited (CIN U62090KA2025PTC204991).
Flat, disclosed fees – paid by you, the client. NYVO earns zero commissions, trail payouts, or kickbacks from AMCs, insurers, or platforms. That separation is the entire reason the advice is worth taking. Specific fees are disclosed before your first engagement.
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.