Money rules that changed Indian investors’ lives: 1952 to today
From EPF and UTI's first scheme to direct plans, the riskometer, UPI and the new Income-tax Act. A short history of the rules that…
Did you know?
Your ₹50 lakh home loan will cost ₹70.8 lakh in interest. A SIP of ₹4,160 a month can earn it all back.
₹10 L₹2 Cr
Assumes 8.5% loan rate, 25-year tenure and a 12% p.a. SIP return. Illustrative, not guaranteed.
Interest you pay the bank
Value of your SIP
2×Raising a ₹10,000 SIP by 10% a year roughly doubles the 20-year corpus.
₹78 LWhat a five-year delay costs on a ₹10,000 SIP over 25 years.
₹150A daily coffee, invested instead for 20 years, could grow to about ₹41 lakh.
2008, 2020Replay two market crashes and see what happened to people who kept their SIP going.
Markets right now
Open the markets boardToday's money tip
Give every SIP a name and a date. Money with a purpose is far harder to spend.
Ask a question. See the answer move.
Drag the sliders, switch the chart, see it in today's money — then share it on WhatsApp.
What kind of investor are you?
Six quick questions. See an indicative mix of equity, debt and gold for someone like you — in under a minute.
🐊 The Inflation Alligator NEW
Dial a vintage telephone and watch an old TV show what milk, petrol, gold and the dollar cost the year you were born — and what they cost today.
Dial a price from the pastStory Corner
Myth or fact? Money traditions, strange savings laws and the richest countries on earth — 2-minute reads you will want to share.
Read a storyWorld Wealth Atlas
Colour the world by income, happiness, savings, life expectancy and more. Tap any country to compare it with India.
Open the world mapFund Simulator
Pick any regular-plan mutual fund and replay SIP, step-up SIP, lumpsum, SWP and step-up SWP on its real historical NAVs.
Search a fundWorld markets board
India and 10 global indices, gold, crude and the rupee on one heatmap. Compare countries over 5 years.
See the boardMoney games
The paisa challenge, a SIP survival game, a compounding race and more. Learn by playing.
Play nowMy family plan
Every goal, its real future cost, the SIP it needs and one total monthly number. Print it or send it for review.
Build my planYour Wealth Score
A two-minute financial health checkup: eight markers, one score, three actions.
Check my scoreIndia Wealth Atlas
Income, economy, HDI and more for every state on an interactive map.
Explore the mapCrash replay
Live through 2008, 2020 and 2022 again — with a SIP that kept going and one that stopped.
Replay a crashFrom our desk
All articlesOld or new tax regime in 2026-27? Three salaries, worked out
For most salaried people the new regime now wins. We work through ₹10 lakh, ₹15 lakh and ₹25 lakh salaries, explain marginal relief and…
Beyond GDP: how wealth-being is measured, from countries to families
GDP, income per person, HDI, happiness, inequality and financial literacy: what each measure tells you, where India stands, and how to build your own…
How ordinary people actually become rich
Not lottery wins or stock tips. The unglamorous pattern behind most self-made wealth: earning power, the gap, ownership, time and avoiding disasters, with the…
Today's headlines
News wireHow we work with you
A first conversation
We understand your income, loans, family and what worries you about money. No forms, no pressure.
Your goals, in numbers
House, children's education, retirement — each goal gets a date, a target and a monthly plan.
A portfolio built for them
We suggest mutual fund schemes matched to each goal's time frame and your comfort with risk.
Reviewed every year
Markets, rules and life change. We review, rebalance and step up your SIPs together.
Invest wise, with someone who explains the numbers.
Dr. Deepak N. Paithankar is a civil engineer by training, a teacher by profession and an AMFI-registered Mutual Fund Distributor since 2021. WishWiseWealth brings the same approach to your money that engineering brings to a structure: clear assumptions, honest margins of safety, and nothing hidden.
Wish big. Invest wise. Build wealth.
- AMFI registration
- ARN-188221
- Serving clients since
- 2021
- Based in
- Nashik, Maharashtra
- Call or WhatsApp
- +91 98502 22777
Questions people ask us
Straight answers. For anything else, ask on WhatsApp or explore our guides and glossary.
Are mutual funds safe?
Your money is held by the fund's trustee and custodian, separate from the fund house's own money, and SEBI regulates every scheme. Mutual funds are not "safe" in the sense of guaranteed returns: equity funds can fall sharply in the short term. Matching the fund type to how soon you need the money is what keeps it safe for you.
What is the minimum amount to start a SIP?
Many schemes accept SIPs from ₹500 a month, and some from ₹100. Starting small and raising the SIP every year matters more than the first amount.
Can I stop or pause my SIP?
Yes. You can stop a SIP at any time without penalty, and many fund houses allow a pause of a few months. Units already bought stay invested. Exit loads may apply only if you redeem units within a short period, usually one year for equity funds.
How long should I stay invested in an equity fund?
Ideally at least 5 to 7 years. Over short periods equity can fall; over longer periods the chance of a loss has historically been much lower. Money needed within 3 years is better kept in debt or liquid funds.
What does a Mutual Fund Distributor do, and how are you paid?
We help you choose schemes suited to your goals, complete KYC and paperwork, review your portfolio every year and support you through market ups and downs. We are paid a commission by the fund house through regular plans; you pay no separate fee to us. We are not SEBI-registered investment advisers.
What do I need to start investing?
A PAN card, Aadhaar or another address proof, a bank account and a mobile number and email linked to them. KYC is done once and works across all fund houses. We complete it with you online in about 15 minutes.
How are mutual fund gains taxed?
For equity-oriented funds, gains on units held over 12 months are taxed at 12.5% on gains above ₹1.25 lakh a year, and at 20% if held for 12 months or less. Gains on debt funds bought after 1 April 2023 are taxed at your slab rate. See our plain-language tax guide for details.
Can I withdraw my money any time?
Open-ended funds can be redeemed on any business day, and money usually reaches your bank within 1 to 3 working days. ELSS tax-saver funds have a 3-year lock-in, and some funds charge an exit load for early redemption.
Get a free portfolio review
Tell us what you are planning for. We reply on WhatsApp, usually the same day.
You talk directly to Dr. Deepak N. Paithankar, not a call centre.
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