Most families are investing without a plan.
SIPs, insurance, retirement accounts and savings – all working in isolation. NYVO brings them into one plan so you can see where you stand and what comes next.
SEBI RegisteredRIA – INA000022172
Know exactly whereyour family's moneyis headed.
Built for families who are investing but don't have a plan.
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- Read-only access — we can't move your money
- SEBI-registered, fee-only advice
- Your data stays in India · never sold
What we plan for
Every rupee gets a job to do.
Retirement
Live the life you want at 60.
Child's education
Fund the education they deserve.
Financial independence
Make work optional.
Emergency fund
A 4-month buffer for life's surprises.
Lifestyle fund
Travel, hobbies, the good stuff.
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.
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 |
| 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 |
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.
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.”
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.