Building a Google Maps for India's Money
You can never be too sure about how your money is doing.
From the philosophical ("Am I doing enough?", "Am I on the right track?") to the practical ("What's a good place to park emergency funds?", "Is my SIP working as it should?"), the questions are endless. Regardless of which cricketer is on prime time asking you to invest, the slow-burning anxiety never goes away:
"Am I doing it right?"
Whoever wrote "pick right and sit tight" hasn't experienced 2025 as a retail investor. Just six months in, and we've seen 3 wars break out. We've also witnessed the first US presidential election that's led to more questions than answers. There's a fair sense of foreboding & our sense of certainty feels more fragile than ever.
Much of this certainty is sucked out of the room by how the news cycle and social algorithms compete for our attention. Every major event is framed as urgent & relevant because that's what gets you to click. Even if you try to tune it out, someone in your circle, or worse, a push notification from your investing app will remind you.
Now, the "apps" don't make it easier either. Every app is trying to get you to act on one of the myriad investment products that you don't even know if they are right for you. "Robo advisors" & their cookie-cutter baskets don't count when you have specific questions. And let's not even talk about the banks that made $2.5Bn in commissions misselling products to unsuspecting customers. In a year.
Consider the mutual fund markets for a moment. 44 mutual fund houses offering 1,400 funds. And with barely 7% even matching market returns (5 year, equity large cap), how does one even map one's situation against this labyrinth?
A certified wealth advisor makes life easier, however. If you can find a good one and can afford them, that is. However, as of the latest data, India has only about 4,100 certified financial advisors (CFA/CFP, RIA) to serve its massive investor community of 110 million. And all of this is in a country where money was never dinner table conversation.
But what if navigating your finances was as straightforward as using Google Maps? Imagine receiving timely, personalized directions like when to turn, when to stay the course, or when to not get out of the house at all. All perfectly contoured to your personal economic situation.
That's the vision behind Finy: an always-on navigator for your financial journey. We want to give you control & confidence no matter your starting point. Because money is deeply personal, and your financial path should reflect what matters to you, not just market trends.
All this time, you have mapped your life to how much you understood about the markets. We think it's about time someone flipped that. The question we want you to ask is not what stock or fund to buy, but what's the objective? Let crystalised expertise and compute answer the question for you instead. In many ways, a precision machine that converts anxiety into assurance with nary any judgement.
Make no mistake, this is no mean feat. But we will walk the hard path because it needs to be done. And until the day money doesn't become as simple as glancing at the map while driving, we aren't going to stop.
If any part of this resonates with you, drop us a line at hello@askfiny.com
Best,