Level Up Your Future: Get Your Custom Money Map 🗺️

Forget the boring, old-school money talk. You’ve got goals, whether it's quitting your 9-to-5 to travel, dropping a down payment on a place, or just finally feeling secure.

It all starts with your Wishlist, the stuff you actually want. Think of your financial planner as your seasoned co-pilot. You spill your dreams, and they build the flight plan.

The Vibe Check: Your Wishlist, Our Reality Check

When you share your goals, you might be wondering:

• Is this even possible? (We'll check the math.)

• Am I breaking any rules? (We've got the legal & tax details.)

• Am I going to get wrecked by taxes later? (We look ahead so you don't get blindsided.)

• Are there better options out there? (We compare & contrast so you get the most bang for your buck.)

• Am I playing it too safe, or am I being reckless? (We'll balance your risk so it feels right.)

Your expert planner's job is to take your Wishlist and make it make sense. They'll break down your big goals into actionable Near Term, Short Term, Medium Term, and Long Term wins.

The Secret Sauce: Human Brains & Digital Ease

We know you want answers now and you want them delivered straight to your phone. That's why we built a platform that’s the best of both worlds:

• ⚡️ Instant Digital Guidance: Get step-by-step financial planning help online, right now. No waiting, no long forms—just clear, immediate guidance.

• 🧠 Expert Human Touch: When your situation gets spicy or you need personalized advice, an experienced planner is just a click away. Book a meeting for a nominal fee and get the specific help you need.

This isn't some dusty folder that sits on a shelf. Your plan is a living document with a practical work path. We give you the steps, help you implement them, and review it periodically to make sure it’s actually working and not just hype.

Ready to turn your Wishlist into a done deal?

Scroll below to navigate through the Comprehensive Financial Planning Solution Near Term, Short Term, Medium Term, and Long Term curated for Gen Z.

Gen Z-Financial Solutions for Near Term (0-12 Months)

Your first financial power-up is to get your cash working for you, even your spending money. This is a two-step move for immediate financial freedom and cash optimization. 

STEP 1: The Zero-Stress Cash Zone (Your Main Bank Account)

Stop letting your necessary monthly funds sit around earning peanuts. The money you need for rent, groceries, and Netflix this month shouldn't be idle.

Calculate and record the conservative monthly expenses that should be set aside in a bank account with sweep-in and sweep-out capabilities. This will ensure that the immediate need for funding monthly expenses is met right away. Till the time it will be in the bank account, it will earn interest, much like FDs. 

STEP 2: The 50-Day Free Credit Play (The Credit Card Hack) 

If you are a really excellent planner, you should use a credit card that has a 50–60 day credit facility for your daily expenses. You should pay the credit card company the amount owed on the credit card before the credit period ends. This will help you accomplish two goals: first, you will receive free credit for 50 to 60 days, and second, you will receive interest on the amount you swiped in for the credit card expenditures during that time.

Gen Z-Financial Solutions for Short Term (1 Year to 5 Years)

To determine your financial capacity, figure out your entire monthly income from all sources. To determine the excess earnings that can be saved without interfering with daily life, subtract the total monthly expenses from the total monthly earnings.

It would be wise to first invest the exact saved amount of income in a financial product or instrument that generates a little more than the swipe-in, swipe-out income because this excess earning will continue to grow each month. Though many use to create a simple SIP (Systematic Investment Plan) opening a trading account online, but the problem is the SIP technique is not smart enough to adjust to the ups and downs of market and hence may or may not be able to give the anticipated income percentage and the required protection to your invested amount over the longer period. We have analyzed and tested few smart SIP techniques which are capable of maintaining the anticipated income percentage as well as protection to your invested amount over longer period which are as follows:

2. Smart SIP Technique: To ensure a comparatively higher return, the Smart SIP technique bundles two mutual funds. If the NAV is extremely high on your SIP date, the system will buy units of the liquid fund and keep checking for a month before investing in the attached equity mutual fund when the NAV drops. In a similar vein, when NAV is exceptionally high, it will sell a portion of the equity fund's units, hold onto the liquid fund, and wait for the market to decline before making the same investment. 

3. Smart SIP Plus Technique: Additionally, the Smart SIP Plus technique bundles one liquid fund with one equity mutual fund. When NAV declines, it will take twice as long to invest in the equity fund, which is called "Plus". It will sell part units and retain in liquid fund when the market is high, and it will deduct double your SIP amount when NAV is falling. With the ability to deduct twice the SIP amount, it is similar to Smart SIP with a "Plus". 

Each of the aforementioned methods has advantages and disadvantages of its own and is appropriate for certain situations and individuals. You can select one or a mix of more than one for various requirements. It needs to be mentioned that none of the aforementioned methods are available in any of the direct plans; they are only available in the REGULAR PLAN. 

Investing in a basket of curated high CAGR equity mutual funds is advised if you already have some extra money from prior months and wish to park, invest a lump sum amount, or make a one-time investment for at least a year. This is especially true if the market is down at the time of investment. However, it is advised to invest in the Basket of Arbitrage Funds if the market is extremely high at the time of investing and to transfer to equity funds when the market declines. With comparable safety, liquidity, and slightly higher paying financial instruments, arbitrage funds are more tax-efficient than liquid funds, FDs, RDs, sweep-in and sweep-out. 

If you are not already registered, register with our partner entities RANKMF and FUNDSINDIA to benefit from all of these advanced, well-tested tools at no cost. If you have already registered, simply click on the appropriate method or technique, enter your login information, then enter your OTP to continue with the technique and relax.

 You can also invest in highly paid (up to 8.15%) Corporate Fixed Deposits (FDs) in various denominations if you're a cautious investor. This way, in the event of an emergency, you can break one as needed. Click Here to make a corporate FD of Shriram Finance straight from our website. 

Gen Z-Financial Solutions for Medium Term (5 years to 10 years)

Identify medium-term objectives, such as travelling abroad, getting married, studying abroad, building a corpus for self-sufficiency, etc., and make plans to construct a corpus for each of these plans by using any of the above techniques for a minimum of 5 years or more. Remember that even though the cycle's intended objective might not be fulfilled, funds can always be taken out of the connected fund in an emergency or other circumstance. 

4. Power SIP Technique: In this technique, SIP amount will be adjusted to 30% to 300% of original SIP amount depending on the market situation. When NAV of the attached MF is extremely down, it can take 3 times of the original SIP amount e.g. if your original SIP amount per month is Rs.10000/-, then it may take upto Rs.30000/- when the market is extremely down and when the NAV is extremely high, it will take Rs.3000/- only. This will maintain the anticipated XIRR earning percentage in spite of market ups and downs in the long run.

5. ARBITRAGE FUND: When there is good investment opportunity available due to share market being very down, it is advisable to invest in Equity Mutual Funds by switching the money invested in ARBITRAGE FUND and/or along with any excess money available with you and wait for one year. It is advisable to make it a practice to invest (whatever money available that particular time) when market is down for a consecutive longer period.

6. MF Basket: We have created  different Basket Suitable to different requirements keeping Best 10  Equity Funds with CAGR of Minimum 15% to 18% from each category of (a) new funds within 1 year but doing good, (b) Funds completed 1 to 5 years fund(b) 5 years completed fund, (c) 10 years completed funds, (d) 15 years completed funds, (e) 20 years completed funds, (f) 25 years completed funds and (g) more than 25 years completed funds so that you can directly pick and choose any one from the basket without any hassle of doing market research. If you are not in a position to track market, then Click Here to take the help of tailer made SMART Switch from our partner entity which will do it for you automatically as per the market UPs and DOWNs.

7. Booking of Profit: Redeem/sale/withdraw money from Equity Funds which are invested in the last one year or more, on FIFO (First-in, First-out) method. This will serve two purpose, one you will encash the profit and reduce the market risk and will be saving tax on Long Term Capital Gain (LTCG) of Rs.1,25,000/- every year. Secondly, your base investment amount will be increased to the extent of the earnings when you invest the proceeds from the sale. 

8. TIP (Target Investment Plan) Technique: TIP is another monthly investing strategy where the investor sets the investment value, say Rs. 1Cr. after 20 years, but the system determines the monthly instalment amount based on the equity mutual fund's performance. Before making the next instalment, it will assess the worth of all previous investments made through monthly instalments up to this point. If there is a shortfall or surplus in earnings over the objective or projected earning percentage (%), the amount will be adjusted. The monthly investment amount is not pre-fixed; however, receiving Rs. 1Cr. after 20 years or earlier is assured and fixed. The Monthly Instalment amount will fluctuate in response to market fluctuations (within a range specified by the investor, say Rs. 5000 to Rs. 10,000 every month). If the attached mutual fund offers a CAGR of 15% over the next 20 years, your monthly investment will range from Rs. 6600 to Rs. 10000 to earn Rs. 1Cr. after 20 years. The 20-year compounding power will make this possible. 

Use our Corpus Calculator below to determine how much must be contributed each month for a particular duration to reach the desired amount and plan your medium to long-term goals. For a little token fee, you can also use our other Interactive Comprehensive and Additional Specialized Financial Planning Tools from our menu to better understand, plan, and get a report for additional necessary action and advice.