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The Good Wealth

AMFI registered mutual fund distributor · Agra

Transparent investing, steady returns, for families who value peace of mind.

I am Aryan Agarwal. From Agra, I help salaried families, business owners and first-time investors put their money to work slowly and sensibly, in things they actually understand. No hot tips. No hurry.

Talk to AryanTry the calculators
  • Commissions disclosed upfront
  • One person, start to finish
  • Plain language, always

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Why The Good Wealth

Four promises, and none of them are about returns.

Returns are the market's to give. What I can promise is how I will behave while you wait for them.

01

You will always know what you are paying

Distributors earn a commission from the fund house. I will tell you what that is on anything I recommend, before you invest, in rupees and not just percentages.

02

Steady beats exciting

No hot tips, no timing the market, no product because it had a good year. Just a plan you can hold through the years when it is dull and the years when it is frightening.

03

Nothing you do not understand

If I cannot explain a product to you in plain Hindi or English in five minutes, we should not be buying it. Ask me the same question three times. That is fine.

04

The same person, every year

You will not be passed to a call centre. The person who opens your folio in Agra is the person who picks up when the market falls.

What I help with

Four things, done properly.

Everything here is explained before it is sold, and nothing is bought until you have said yes with your eyes open.

Read about each in detail

Mutual funds and SIPs

A monthly amount, invested the same way every month, in funds chosen to match how long you can stay invested.

How this works

Tax-saving investments

Section 80C done calmly in April instead of frantically in March, so the deduction is a by-product of a decent investment.

How this works

Fixed deposits and bonds

The steady, boring part of a portfolio. Money you may need soon should not be sitting in something that swings.

How this works

Loans against mutual funds

A short-term need does not have to mean selling a long-term investment. You can borrow against your units instead.

Apply for LoanTalk to me first

Who I work with

Different lives, the same three questions.

How much should I keep aside, how much can I invest, and what happens if something goes wrong. Here is where each kind of client usually starts.

Salaried professionals

A monthly rhythm they can keep

Your income is regular, so your investing can be too. We set a SIP that survives a bad month, keep the tax side tidy, and leave the rest alone.

Business owners

Separation between the shop and the family

Business cash comes in waves. We keep a working buffer liquid, invest the surplus in instalments rather than lumps, and make sure the family's money is not tied up in the business.

First-time investors

Someone to explain it without rushing

You will not be handed a form and a fund name. We start with what you already have, cover the basics at your pace, and begin with an amount small enough that you can sleep on it.

My grandfather kept his savings in a steel almirah and slept soundly. I want you to invest better than he did, and still sleep just as soundly.
Aryan Agarwal, Agra

About Aryan

I grew up here, and I plan to be here in twenty years.

I am Aryan Agarwal, an AMFI registered mutual fund distributor working out of Agra. Most of my clients came to me through someone in their family, which is exactly how I would want it.

My belief about money is not complicated. Choose things you can explain to your spouse, put in the same amount every month, leave it alone, and let the years do the heavy lifting. Most of the damage I see is not caused by bad funds. It is caused by good funds sold to people who did not understand them, and then abandoned in the first bad year.

So I go slowly. I would rather you start with ₹1,000 a month that you keep for ten years than ₹10,000 you stop in month five. And I would rather tell you that you do not need a product than sell you one.

More about how I workTalk to Aryan

How we get started

Three steps, and you can stop after any of them.

Nothing is bought, and no money moves, until the third step. First-time investors often tell me this is the part that surprised them.

  1. 1

    A conversation, with nothing to sign

    We talk for half an hour, on a call or over tea if you are in Agra. What you earn, what you owe, what you are saving towards, what keeps you up at night. No forms yet.

  2. 2

    A written, simple plan

    I come back with one page: how much to keep aside for emergencies, how much to invest, in what, and why. If something does not sit right with you, we change it before anything is bought.

  3. 3

    We begin, then we keep in touch

    KYC and the first investment take about a week. After that we review once a year, and any time your life changes. Between reviews you can call me with any question, however small.

Prefer to just ask a question first? Write to aryan@yenmo.in.

Tools you are welcome to play with

See the numbers for yourself, then let us talk about your numbers.

These are simple illustrations, free to use and nothing is saved. They are here so you arrive at our first conversation with better questions, not so they can answer them for you.

SIP calculatorWhat a monthly amount could becomeLumpsum calculatorWhat a one-time amount could becomeRisk profilerFive questions about your temperament

What could a monthly SIP become?

Move the three sliders to see how a fixed monthly amount adds up over time. Time usually matters more than the amount.

₹10,000
15 years
12%
You would invest₹18,00,000
Possible growth₹32,45,760
Value after 15 years₹50,45,760

That is roughly 50.46 lakh rupees, from ₹10,000 a month.

What you put in Possible growth

An illustration only, using one steady rate of return that markets do not actually deliver. Real returns move up and down and are not guaranteed. Treat this as a way to picture the effect of time, then talk to Aryan before you decide anything.

Look up any scheme

Every mutual fund in India, before you ask me about it.

Search any scheme for its latest NAV and past returns, straight from AMFI data, then bring what you find to our conversation.

Flexi Cap FundLarge Cap FundMid Cap FundSmall Cap FundELSSDynamic Asset Allocation or Balanced Advantage

Browse all schemes, fund houses and categories

First questions, answered plainly

Nothing here is a silly question.

These are the ones I am asked most often, usually by people who apologise before asking them. Please do not apologise.

What exactly is a SIP?

A Systematic Investment Plan is an instruction to invest a fixed amount, on a fixed date, every month, into a mutual fund. Money leaves your bank account automatically and buys units at whatever the price is that day. Over years, that averages out your buying price and removes the need to guess a good moment to invest.

How much do I need to start with?

Many funds accept SIPs of ₹500 a month, and some go lower. I would rather you start with an amount that feels almost too small and raise it after six months, than start big and stop in month four. Consistency does more work here than size.

How do tax-saving funds work?

An ELSS fund is an equity mutual fund that qualifies for a deduction under Section 80C of the old tax regime, up to ₹1.5 lakh a year. In exchange, each instalment is locked in for three years. It is a market-linked investment, so the value moves up and down, and it is worth checking whether your EPF, insurance premiums, and home loan principal already fill your 80C limit before you add more.

Do I pay you a fee?

You do not pay me directly. As an AMFI registered mutual fund distributor I receive a commission from the fund house on the regular plans I distribute, which is built into the scheme's expense ratio. I will tell you what that commission is on anything I suggest so you can judge the advice for yourself.

What happens if the market falls after I invest?

It will fall at some point, more than once. That is normal and it is planned for. Money you need within three years should not be in equity at all, and money that is invested for the long run benefits from continuing your SIP through the fall, because you buy more units at lower prices. Call me when it happens. That is exactly the moment I am useful.

Can I stop or reduce my SIP later?

Yes. A SIP is not a loan or a commitment to a bank. You can pause it, reduce it, or stop it. Most funds also let you withdraw whenever you like, apart from tax-saving funds which have a three year lock-in. Tell me before you stop, though, so we can look at whether pausing for two months solves the problem instead.

Are you an investment adviser?

No. I am an AMFI registered mutual fund distributor. I help you choose, buy, and maintain mutual fund investments and the other products listed on this site. For formal, fee-based investment advisory services you would need a SEBI-registered investment adviser, and I will say so plainly if that is what your situation calls for.

Still unsure about something? That is what I am for. Ask me directly.

Start a conversation

Tell me where you are, and we will go from there.

Leave your details and I will call you back myself, usually within a working day. There is no cost to talking, and no obligation afterwards.

Where I am
Agra, working with clients across India

Need short-term cash without selling your investments? You can apply for a loan against your mutual funds. Do speak to me before you do, so we can check it is the right call.

Send Aryan a note

Tell me a little about where you are. No obligation, no sales pitch, and your details stay with me.

Your details are used only to reply to this enquiry. Nothing is bought or invested on your behalf until you say so in writing.

The Good Wealth · Transparent investing, steady returns, for families who value peace of mind