Unlock Compounding Through Mutual Funds
Every rupee you invest each month is a leaf on the tree. We help you plant it right — and watch it grow.
One key. Every month.
Your SIP is the key. Turn it once, and it quietly unlocks growth every single month — no timing the market.
One tree. Three layers of growth.
A balanced SIP spreads across large, flexi and mid-cap funds. Each layer does a different job in your portfolio.
Then let time do the work.
The layers come back together as one portfolio. Stay invested through every market cycle — that's where compounding begins.
Small habits. Tall results.
Each leaf rises with your SIP. Growth starts slow, then compounding takes over — the last five years add the most.
15-Year SIP Corpus:
₹0
₹25,400 a month for 15 years at an assumed 12% a year. For illustration only.
My Wealth Key
Plan • Invest • Grow
Your Goals Our Commitment
01Our belief
Wealth isn't luck. It's a habit, planted early.
My Wealth Key is a financial management and advisory practice in Sector 86, Gurugram — budgeting, health insurance and portfolio management, explained in plain language.
- Plan
- Invest
- Grow
02What we do
Three keys to a secure future.
Protection, growth and a plan that ties them together — reviewed with you as life changes.
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01
Insurance
Health and life cover that fits your family — compared, explained and reviewed every year.
Health insurance for families and parentsTerm life coverHelp when it is time to claim
Explore all cover
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02
Mutual Funds
Goal-based SIPs across large, flexi and mid-cap funds, rebalanced as your goals move.
SIP planning for every budgetA fund basket matched to your riskRegular portfolio reviews
See every fund type
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03
Financial Advisory
Budgets, goals and a written plan — so every rupee has a job to do.
Monthly budgeting and cash flowGoals: home, education, retirementPortfolio management
Talk to an advisor
03Product shelf
Every key, on one ring.
Insurance, mutual funds, stocks and more — every product category we help with, explained in a line. Pick a shelf, or search them all.
22 products · 3 groups
Insurance
Protection comes first. Life cover replaces income, health cover pays the hospital, and general insurance guards everything else you own.
Compare cover with an advisorGood to know
- Buy term cover before you invest. A common rule of thumb is 10–15× your annual income.
- Keep parents on their own senior-citizen policy so one claim doesn't drain the family floater.
- Third-party motor cover is mandatory by law for every vehicle on Indian roads.
Life Insurance8
Protects your family's income if something happens to you.
Term Insurance
Pure protection: a large sum paid to your family if you pass away during the term. The lowest premium for every rupee of cover.
AskWhole Life Insurance
Cover that lasts up to age 99 or 100, with a payout to your heirs whenever it is claimed.
AskEndowment Plans
Life cover plus disciplined savings, with a lump sum paid at maturity if you outlive the term.
AskMoney-Back Plans
Pays part of the sum assured at set intervals during the term, with life cover throughout.
AskULIPs
Unit-Linked Insurance Plans invest your premium in market funds while keeping you covered. Five-year lock-in.
AskChild Plans
Builds a fund for education and milestones. If the parent dies, future premiums are waived and the plan carries on.
AskPension & Annuity Plans
Turns savings into a regular income for life — starting now (immediate annuity) or later (deferred).
AskGroup Term Life
Life cover your employer provides. Useful, but it usually ends when you change jobs.
Health Insurance8
Pays hospital bills, so a medical emergency doesn't become a financial one.
Individual Health
A dedicated sum insured for one person, covering hospitalisation, day-care procedures and pre- and post-hospital costs.
AskFamily Floater
One shared sum insured for you, your spouse and children — usually cheaper than separate policies.
AskSenior Citizen Health
Plans built for people over 60, with cover for age-related illness. Best kept separate from the family floater.
AskCritical Illness
A lump sum on diagnosis of listed illnesses such as cancer, heart attack or stroke — whatever the hospital bill.
AskTop-up & Super Top-up
A large extra layer of cover above a deductible, for a fraction of the cost of a bigger base policy.
AskPersonal Accident
Pays out for accidental death or disability, including lost income while you recover.
AskHospital Daily Cash
A fixed amount for each day in hospital, for the costs a health policy doesn't reimburse.
AskGroup Health
Your employer's health cover for you and your family — best backed by a personal policy you keep for life.
General Insurance6
Protects your vehicle, your home, your travel and your business.
Car Insurance
Third-party cover is mandatory. Comprehensive cover adds damage to your own car, theft and add-ons like zero depreciation.
AskTwo-Wheeler Insurance
Third-party and comprehensive cover for bikes and scooters, with multi-year options.
AskHome Insurance
Covers the structure and contents of your home against fire, flood, earthquake and burglary.
AskTravel Insurance
Medical emergencies abroad, trip cancellation, lost baggage and passport loss — for domestic or international trips.
AskShop & Business Insurance
Fire, burglary, liability and stock cover for shops, offices and small businesses.
AskCyber Insurance
Covers losses from online fraud, identity theft, phishing and unauthorised transactions.
39 products · 5 groups
Mutual Funds
A mutual fund pools money from many investors into one professionally managed portfolio. The categories follow SEBI's scheme classification, so you can compare like with like.
Build my fund basketGood to know
- Categories reflect SEBI's revised classification of February 2026, which added Life Cycle funds.
- Every scheme carries a riskometer, from Low to Very High. Match it to your goal's timeline.
- A SIP lets you start small and invest the same amount every month.
Equity Funds12
For goals five or more years away.
Large Cap Fund
At least 80% in the 100 largest listed companies — the steadiest core of an equity portfolio.
AskMid Cap Fund
At least 65% in companies ranked 101–250 by market value: more growth potential, more ups and downs.
AskSmall Cap Fund
At least 65% in companies ranked 251 and below. The highest growth potential, and the bumpiest ride.
AskLarge & Mid Cap Fund
At least 35% each in large and mid caps — a stable core with a growth kicker.
AskMulti Cap Fund
At least 25% each in large, mid and small caps, so every size of company stays in the mix.
AskFlexi Cap Fund
At least 65% in equity, with the manager free to move across company sizes as markets change.
AskFocused Fund
A concentrated portfolio of up to 30 stocks — high conviction, less diversification.
AskDividend Yield Fund
Invests mostly in companies that pay steady, above-average dividends.
AskValue Fund
Buys good businesses trading below their fair value, and waits for the market to catch up.
AskContra Fund
Goes against the market mood, buying sectors and stocks that are out of favour.
AskSectoral & Thematic Fund
At least 80% in one sector such as banking, pharma or technology, or in a theme like manufacturing or consumption.
AskELSS (Tax Saver)
An equity fund with a three-year lock-in — the shortest among 80C options under the old tax regime.
Debt Funds12
For stability, emergency money and short- to medium-term goals.
Overnight Fund
Lends for a single day. Near-zero credit and interest-rate risk — a parking spot for very short-term cash.
AskLiquid Fund
Holds instruments maturing within 91 days. The usual home for an emergency fund, with quick redemption.
AskUltra Short & Low Duration
Portfolios with a duration of 3–6 months (ultra short) or 6–12 months (low duration).
AskMoney Market Fund
Money market instruments maturing within a year, such as T-bills, certificates of deposit and commercial paper.
AskShort Duration Fund
A portfolio duration of one to three years, balancing yield with moderate rate sensitivity.
AskMedium & Long Duration
Durations from three to over seven years. Higher yields, with prices that swing as interest rates move.
AskDynamic Bond Fund
The manager moves duration up or down depending on where interest rates are heading.
AskCorporate Bond Fund
At least 80% in the highest-rated (AA+ and above) corporate bonds.
AskBanking & PSU Fund
At least 80% in debt from banks, public sector undertakings and public financial institutions.
AskGilt Fund
Government securities only — no credit risk, but sensitive to interest rates. Includes 10-year constant-maturity gilt funds.
AskCredit Risk Fund
At least 65% in bonds rated below AA, for a higher yield with a higher chance of default.
AskFloater Fund
At least 65% in floating-rate bonds whose interest resets with market rates.
Hybrid Funds6
Equity and debt in one scheme, balanced for you.
Conservative Hybrid
Mostly debt (75–90%), with a small equity slice for extra growth.
AskAggressive & Balanced Hybrid
Aggressive hybrid holds 65–80% in equity; balanced hybrid splits 40–60%. Either way, one fund handles the mix.
AskBalanced Advantage Fund
Dynamic asset allocation: more equity when markets look cheap, less when they look expensive.
AskMulti Asset Allocation
At least three asset classes — typically equity, debt and gold — with at least 10% in each.
AskArbitrage Fund
Earns the price gap between the cash and futures markets. Low risk, and taxed like equity.
AskEquity Savings Fund
Equity, arbitrage and debt together, for a smoother ride than a pure equity fund.
Life Cycle, Passive & Others5
Goal-dated funds and low-cost market trackers.
Life Cycle Fund
New in SEBI's 2026 framework: goal-dated funds that shift from equity towards debt and gold as the target year nears. They replace children's and retirement funds.
AskIndex Fund
Copies an index such as the Nifty 50 or Sensex at a very low cost, with no manager's bets.
AskExchange-Traded Fund (ETF)
An index or commodity fund that trades on the stock exchange like a share, at live prices. Needs a demat account.
AskFund of Funds
Invests in other mutual funds — including international funds that give you global exposure.
AskTarget Maturity Fund
Passive debt funds that hold bonds to a fixed maturity date, for predictable returns if you hold to the end.
Ways to Invest4
How money goes in, and how it comes out.
SIP
Systematic Investment Plan: a fixed amount every month. Averages your purchase cost and builds the habit.
AskLump Sum
Invest a bonus, inheritance or sale proceeds in one go.
AskSTP
Systematic Transfer Plan: park a lump sum in a debt fund and move it into equity in monthly steps.
AskSWP
Systematic Withdrawal Plan: draw a fixed monthly income from your corpus — popular in retirement.
14 products · 3 groups
Stocks & Equity
Owning shares makes you part-owner of a business. Here's how listed stocks are grouped in India, and the different ways to own them.
Review my equity planGood to know
- You need a demat and trading account with a SEBI-registered broker.
- Large caps are the top 100 listed companies by market value, mid caps the next 150, and small caps the rest.
- SEBI's studies found that about 9 in 10 individual F&O traders lose money.
By Company Size3
Ranked by market value.
Large-Cap (Blue-Chip) Stocks
The top 100 listed companies by market value — established leaders with steadier earnings.
AskMid-Cap Stocks
Companies ranked 101–250: growing businesses with room to become tomorrow's leaders.
AskSmall-Cap Stocks
Companies ranked 251 and below — the most room to grow, and the sharpest falls.
By Investing Style5
What kind of business you're buying.
Growth Stocks
Companies growing earnings faster than the market, usually priced at a premium.
AskValue Stocks
Sound companies trading below what their assets and earnings suggest they are worth.
AskDividend Stocks
Mature businesses that share profits regularly — income plus slow, steady growth.
AskDefensive Stocks
Things people buy in any economy — FMCG, pharma, utilities — that tend to hold up better in downturns.
AskCyclical Stocks
Autos, metals, real estate and banks — businesses that rise and fall with the economic cycle.
Ways to Own6
From buying a single share to owning the whole index.
Direct Equity
Buy shares through your demat account and hold them for the long term. You own the stock outright.
AskIPOs
Apply for shares when a company first lists. When an issue is oversubscribed, allotment is by lottery.
AskEquity ETFs
A whole index in one share — Nifty 50, Bank Nifty, Nifty Next 50 — bought and sold through your broker.
AskStock SIP
Buy a fixed amount of chosen shares or ETFs every month, the same way you'd run a fund SIP.
AskFutures & Options (F&O)
Leveraged contracts on shares and indices, mainly for hedging. Most individual traders in F&O lose money.
AskUS & Global Stocks
Own global companies through international brokers under the RBI's Liberalised Remittance Scheme, or through international funds.
14 products · 3 groups
Bonds & Fixed Income
Predictable returns for the safe part of your portfolio — from bank deposits to government bonds and post office schemes.
Plan my safe moneyGood to know
- Bank deposits are insured by DICGC up to ₹5 lakh per depositor, per bank.
- The government resets small savings interest rates every quarter.
- FD interest is added to your income and taxed at your slab rate.
Bank & Company Deposits4
Fixed rates, fixed terms.
Fixed Deposits
Lock in a fixed rate for seven days to ten years. Insured up to ₹5 lakh per bank by DICGC.
AskRecurring Deposits
Deposit a fixed amount every month and earn FD-like interest — a savings habit for short goals.
AskTax-Saver FD
A five-year bank FD that qualifies for the 80C deduction under the old tax regime.
AskCorporate FDs
Deposits with companies and NBFCs at higher rates than banks. Check the credit rating: they aren't DICGC-insured.
Bonds5
Lend to governments and companies for a fixed return.
Government Securities & T-Bills
Lend to the central or state government. Buy directly through RBI Retail Direct, with no fees.
AskCorporate Bonds & NCDs
Fixed interest from companies, bought at issue or on the exchange. The higher the rating, the lower the risk.
AskRBI Floating Rate Savings Bonds
Seven-year government bonds whose rate resets every six months at 0.35% above the NSC rate.
AskTax-Free Bonds
Interest exempt from income tax. There are no new issues, but older bonds trade on the exchange.
Ask54EC Capital Gain Bonds
Save long-term capital gains tax on a property sale by investing within six months. Five-year lock-in.
Small Savings Schemes5
Government-backed schemes at post offices and banks.
National Savings Certificate
A five-year post office certificate at a fixed rate, eligible for 80C under the old regime.
AskKisan Vikas Patra
Doubles your deposit over a fixed period, set by the government's quarterly rate.
AskPost Office Monthly Income Scheme
A lump-sum deposit that pays interest every month for five years.
AskSenior Citizens' Savings Scheme
For investors 60 and above: government-backed quarterly interest on up to ₹30 lakh, for five years.
AskSukanya Samriddhi Yojana
A high-interest savings account for a girl child under 10. Tax-free, and it matures when she turns 21.
12 products · 2 groups
Retirement & Tax Saving
The long game. Accounts built for retirement, and the deductions that cut your tax bill along the way.
Plan my retirementGood to know
- The new tax regime is the default. Most deductions, like 80C and 80D, apply only under the old regime.
- Your employer's NPS contribution under 80CCD(2) is deductible in both regimes.
- PPF has a 15-year term, and both its interest and its maturity amount are tax-free.
Retirement6
Build the corpus, then turn it into income.
National Pension System (NPS)
A low-cost, market-linked pension account that mixes equity, corporate and government bonds. Tier I is locked until 60.
AskNPS Vatsalya
An NPS account parents open for a child. It becomes a regular NPS account at 18.
AskPublic Provident Fund (PPF)
A government-backed 15-year account with tax-free interest and maturity — the classic EEE product.
AskEPF & VPF
Provident fund through your employer. VPF lets you add more at the same interest rate.
AskAtal Pension Yojana
A guaranteed pension of ₹1,000–₹5,000 a month from 60, for those joining at 18–40. Not open to income-tax payers.
AskAnnuities
Convert your retirement corpus into a guaranteed lifelong income from an insurer.
Tax Saving6
Deductions to plan for — mostly under the old tax regime.
ELSS Funds
Equity funds with a three-year lock-in — the shortest of all Section 80C options.
AskSection 80C Basket
PPF, EPF, NSC, tax-saver FDs, life insurance premiums, home-loan principal and children's tuition fees.
AskNPS Extra Deduction
Up to ₹50,000 more under Section 80CCD(1B), over and above the 80C limit.
AskEmployer NPS — 80CCD(2)
Your employer's NPS contribution is deductible in both tax regimes — worth asking HR about.
AskHealth Insurance — 80D
Premiums for you, your family and your parents, with higher limits for senior citizens.
AskHome Loan Interest — 24(b)
Deduct up to ₹2 lakh a year of interest on a self-occupied home.
10 products · 3 groups
Gold & Alternatives
Diversifiers that behave differently from stocks and bonds, plus options for larger portfolios.
Diversify my portfolioGood to know
- No new Sovereign Gold Bonds have been issued since the 2025 Budget. Existing bonds trade on exchanges.
- Digital gold sold through apps is not regulated by SEBI or the RBI.
- PMS needs at least ₹50 lakh, SIFs ₹10 lakh and most AIFs ₹1 crore.
Gold & Silver5
A hedge when other assets struggle.
Gold ETFs
Exchange-traded units backed by physical gold of 99.5% purity. No making charges, no storage worries.
AskGold & Silver Funds
Mutual funds that invest in gold or silver ETFs. No demat needed, and SIPs are allowed.
AskSilver ETFs
Exchange-traded silver, a precious metal with heavy industrial demand. More volatile than gold.
AskSovereign Gold Bonds
Government gold bonds paying 2.5% a year. No new issues since 2025, but existing bonds trade on the exchange.
AskDigital Gold
Buy gold in small amounts through apps. Convenient, but not regulated by SEBI or the RBI.
Real Assets2
Rent and toll income, traded like shares.
For Larger Portfolios3
Professionally run strategies with higher minimums.
Specialised Investment Funds (SIFs)
SEBI's newer category between mutual funds and PMS, with more flexible strategies. Minimum investment ₹10 lakh.
AskPortfolio Management Services
A professionally managed stock portfolio held in your own name. Minimum investment ₹50 lakh.
AskAlternative Investment Funds
Private equity, venture capital, hedge and private credit funds for sophisticated investors. Usually ₹1 crore minimum.
For general information only, not a recommendation. Risk levels are an indicative guide: check each scheme's riskometer and offer documents before investing. Mutual fund categories follow SEBI's classification as revised in February 2026. Tax benefits depend on the regime you choose and current law. Insurance is the subject matter of solicitation.
04How we work
Plan. Invest. Grow.
One simple loop, repeated every year — while compounding does the heavy lifting.
- 01
Plan
We map your income, spending and goals into a budget you can actually keep.
- 02
Invest
Protection first, then a SIP basket chosen for your timeline and comfort with risk.
- 03
Grow
Regular reviews keep the plan on course while compounding does the heavy lifting.
What ₹25,400 a month becomes in 15 years
You invest
Compounding adds
Corpus at year 15
At an assumed 12% a year, compounded monthly. For illustration only — returns are not guaranteed.
Run your own numbersYour Goals Our Commitment
Every plan starts with your goals, and every review holds us to them.
05Stay updated
Money notes, once in a while.
SIP ideas and insurance reminders — straight to your inbox.
06Start here
Hold the key to your wealth.
Book a conversation with an advisor at our Sector 86, Gurugram office — or start planning online.