Smart Investment Advisor | Universal Money Mart
AMFI Registered ARN: 288927 | EUIN: E543710 GST: 29BWRPV6671C1ZQ
Home / Wealth / Smart Advisor
Free · Personalized · Delivered on WhatsApp

Your Personal
Investment Advisor
— For Free.

Answer 6 simple questions about your age, income, goals & risk appetite. Get a fully personalized investment plan — asset allocation, fund recommendations & SIP amount — delivered to your WhatsApp within 24 hours.

🏅
AMFI Registered
🔐
SEBI Compliant
🆓
100% Free
⚡
24hr Response
FreeAlways
6Questions Only
24hWhatsApp Reply
ARNSEBI Registered
How It Works
✓
Tell us about yourself Age, income & life stage
2
Share your goals What are you investing for?
3
Risk profile assessment Conservative, Moderate or Aggressive?
4
Investment capacity How much can you invest monthly?
5
Get your free report Asset allocation + fund picks on WhatsApp
🎁
100% Free — No Hidden Charges No sales pressure. Educational guidance only.
🏅
AMFI Registered MFD
🔐
SEBI Compliant · ARN 288927
🆓
Completely Free Service
📲
WhatsApp Delivery in 24hrs
🚫
No Stock Tips. Education Only.
Simple Process

Get Your Report in 4 Easy Steps

1
Fill the Form

Answer 6 quick questions. Takes less than 3 minutes. No login needed.

2
We Analyse

Vignesh personally reviews your profile and prepares a custom allocation plan.

3
WhatsApp Report

Your personalized investment plan arrives on WhatsApp within 24 hours.

4
Start Investing

Follow the plan at your own pace. Ask questions anytime — Vignesh is always available.

Start Now — It's Free

Build My Investment Plan

6 questions · 3 minutes · Free forever

Your Progress
Completion 0%
What You'll Receive
✅Custom asset allocation breakdown
✅Recommended mutual fund categories
✅Suggested monthly SIP amount
✅Goal-wise investment timeline
✅Direct WhatsApp support from Vignesh
Step 1 of 5 — About You Tell us a little about yourself to personalise your plan
Step 1 / 5

Tell us about yourself 👋

Basic details help us personalise your investment plan accurately.

🧑
18 – 25 YearsStudent / Early career
👨‍💼
26 – 35 YearsGrowing career
🧑‍🦱
36 – 45 YearsPeak earning years
👴
46+ YearsPre-retirement stage
💼
Below ₹25,000Entry level
📊
₹25,000 – ₹50,000Mid-level professional
🚀
₹50,000 – ₹1 LakhSenior professional
💎
Above ₹1 LakhHigh income earner
⚠️ Please fill your name, phone & select age and income.

What are you investing for? 🎯

Choose your primary investment goal. This shapes your entire strategy.

🏖️
Retirement Planning

Build a large corpus for a comfortable life after 60

🎓
Child's Education

Fund your child's higher education or abroad studies

🏠
Buy a Home

Save for down payment or pay off home loan faster

💰
Wealth Creation

Grow wealth aggressively over the long term

🛡️
Emergency Fund

Build 6 months expense buffer in safe investments

💍
Marriage / Travel

Save for a major upcoming life event

⚡
1 – 3 YearsShort term
📅
3 – 5 YearsMedium term
📆
5 – 10 YearsLong term
🌳
10+ YearsVery long term
⚠️ Please select a goal and time horizon.

What's your risk appetite? 🛡️

Be honest — your risk profile determines your investment strategy. There is no right or wrong answer.

🛡️
Conservative — Safety First

I prefer stable returns. I don't want to lose money even if growth is slower. I get anxious when markets fall.

7–9%
⚖️
Moderate — Balanced Approach

I want decent returns and can handle some volatility. Short-term dips are okay if long-term growth is good.

10–13%
🚀
Aggressive — Maximum Growth

I chase maximum returns over 10+ years. Market crashes don't scare me — I buy more when markets fall.

14–18%
⚠️ Please select your risk profile to continue.

How much can you invest monthly? 💸

Drag the sliders to set your comfortable monthly SIP amount and any lumpsum you have ready to invest.

Monthly SIP Amount ₹5,000 / month
₹500₹1,00,000
Lumpsum Available (optional) ₹0
₹0₹20 Lakh
🏧
Savings Account3–4% returns
📋
Fixed Deposits6.5–7.5% returns
💼
Mutual FundsAlready investing
🥇
Physical GoldJewellery / coins

Your Profile Summary 🎉

Review your answers below, then tap the button to receive your free personalized investment plan on WhatsApp.

📋 Your Investment Profile
Name —
Age Group —
Monthly Income —
Primary Goal —
Time Horizon —
Risk Profile —
Monthly SIP —
Lumpsum Ready —

⚠️ For educational purposes only. Not financial advice. ARN: 288927 — Vignesh Dhayalan, AMFI Registered MFD.
Your details are sent directly to Vignesh on WhatsApp. No data is stored on servers.

Real Examples

What Your Plan Looks Like

Here are sample investment allocations for different investor profiles. Your plan will be personalised to your specific situation.

👩
Conservative Investor
Age 46+ · Monthly SIP ₹8,000 · Goal: Retirement
Low Risk 5–7 Year Horizon Income: ₹50K–₹1L
Debt Funds
40%
Hybrid Funds
25%
Large Cap
15%
SGB Gold
12%
Liquid Fund
8%

"Vignesh gave me a clear plan without overwhelming me. I started with ₹5,000/month and now I feel confident about retirement."

👨‍💼
Moderate Investor
Age 30 · Monthly SIP ₹15,000 · Goal: Child Education
Medium Risk 10 Year Horizon Income: ₹75K
Flexi Cap
35%
Large Cap
25%
Debt Funds
20%
SGB Gold
15%
Index Fund
5%

"The WhatsApp report was incredibly detailed. Vignesh explained each fund category in simple Tamil. I started investing within the same week."

🧑‍💻
Aggressive Investor
Age 27 · Monthly SIP ₹25,000 · Goal: Wealth Creation
High Risk 15+ Year Horizon Income: ₹1L+
Small Cap
30%
Mid Cap
25%
US Equity
20%
Flexi Cap
15%
SGB Gold
10%

"I already knew about SIPs but didn't know how to diversify. This free report gave me a proper strategy with specific fund types to look at."

Common Questions

Frequently Asked Questions

Is this service really free? What's the catch?
+
Yes, 100% free. No hidden charges, no subscription, no forced product purchase. Vignesh is an AMFI Registered MFD who earns commissions from AMCs (mutual fund companies) when you invest — only if you choose to. The advisory and education is always free.
Will I be forced to buy specific mutual funds?
+
Absolutely not. This is an educational service. You'll receive a general asset allocation strategy and fund category recommendations. The final decision is always yours. We comply with all SEBI and AMFI regulations — no pressure selling, ever.
How quickly will I receive my investment plan?
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Vignesh personally reviews each profile and responds within 24 hours on WhatsApp. For urgent queries, you can message directly at +91 72007 52628.
Is my personal information safe?
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Your details are sent directly to Vignesh via WhatsApp. Nothing is stored on any server. Your name and phone number are only used to send your investment report. We do not share your data with any third party.
I'm a complete beginner. Is this suitable for me?
+
This service is designed especially for beginners. Vignesh explains everything in simple Tamil and English — no jargon. Whether you've never invested before or want to optimise your existing portfolio, this plan will help you.
What if I can only invest ₹500 per month?
+
That's perfectly fine! You can start a SIP in many mutual funds with just ₹100–₹500 per month. The most important thing is to start early, even with a small amount. Vignesh will tailor the plan to your actual budget.
What is Vignesh's qualification to advise on investments?
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Vignesh Dhayalan is an AMFI Registered Mutual Fund Distributor (ARN: 288927, EUIN: E543710), NISM certified, and GST registered. He is fully compliant with SEBI and AMFI regulations. His advice is educational in nature and he does not provide stock tips or portfolio management services.
⚠️

SEBI & AMFI Disclaimer: Universal Money Mart is an AMFI Registered Mutual Fund Distributor (ARN: 288927, EUIN: E543710). The investment plan provided through this service is for educational purposes only and does not constitute financial advice, investment recommendation, or solicitation to buy/sell securities. Mutual Fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance is not indicative of future results. Please consult a SEBI Registered Investment Advisor before making any financial decisions. For grievances: scores.gov.in

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