Investments
Mutual funds, PMS and AIF, each selected for the goal it serves in your plan.
Oliv Wealth · Investments, real estate, fixed income, insurance, tax
Nobody teaches you what to do
after the first crore.
You learned how to earn it. Nobody taught you what happens next. We advise ₹1,600 Cr for people in exactly that position.
Oliv is a wealth management firm built for India's serious earners.
The X-ray, our free portfolio review: send one portfolio statement, get one free 30-minute call. You leave knowing exactly where you stand, what is leaking, and how to fix it. No product pitch.
Where our members work
Professionals from these companies trust Oliv with part of the ₹1,600 Cr we advise.
India builds wealth alone.
Only 15% of India's wealth is professionally managed. In the US it's 75%. Which means most of the money in this country is being run by people doing it in the evenings, between meetings, alone.
15%India
vs
75%United States
$2.3T
Affluent financial wealth by FY29
From $1.1T today · Deloitte
1.65M
Indian HNIs by 2027
Nearly doubling · Anarock
35-40%
Of the affluent self-manage
Or manage informally · Deloitte
20%
Of millionaires are under 40
Digital-first · Anarock
Sources: Deloitte India Wealth Management Report, Anarock, PwC, 2024 to 2026.
Four things are quietly wrong with almost every portfolio we open.
They're invisible from the outside. They compound anyway.
70-80%
Portfolio overlap
You own eight funds. They own the same fifteen stocks. It feels like diversification and behaves like one concentrated bet, and you find out which only when the market tells you. SEBI's 2025 disclosures confirm the pattern.
50-60%
In underperforming funds
Half your money sits in funds that lose to their own category. Same risk, same fees, less money. On ₹1 Cr over 20 years, a 2% annual lag costs ₹4.1 crore, money you never miss, because it never arrives.
Most
Leave tax on the table
Nobody sends you a bill for bad tax structuring. Wrong regime, unused deductions, gains booked in the wrong year. It just quietly reduces what you keep. And returns are what you keep, not what you earn.
Most
Are under-insured
Your term cover was sized when you earned a third of what you earn now. Ten years of compounding now sits behind a number you picked in a hurry, on a form, at a bank.
Every crore starts embarrassingly small.
Not a windfall. A habit. A fixed amount, invested on the same date, every month, whether the market is celebrating or bleeding.
A disciplined monthly SIP
₹1,00,000 / month
Increased 10% a year as your income grows (a step-up SIP). That is the whole trick. The rest is time, discipline and staying invested when it is hardest to.
Then time does something unreasonable to that ₹1 lakh.
Year one feels like nothing. Year ten feels slow. Then the curve stops asking for permission, and more than half of everything you end up with arrives in the last five years.
₹1 lakh a month, stepped up 10% a year, compounding at roughly 14%, in line with long-run Indian equity returns, crosses that number around year 30. Compounding writes most of it in the dark. Markers, not guarantees.
A staircase, not a lottery.
Slow for a decade, then unreasonable. Start five years later and the same plan ends at ₹50 Cr instead of ₹108 Cr. The five years you wait cost more than the first twenty-five years produce.
YEAR 5₹1 CrFoundation
YEAR 10₹3.6 CrMomentum
YEAR 15₹9.5 CrCompounding takes over
YEAR 20₹23 CrSerious wealth
YEAR 25₹50 CrIn sight
YEAR 30₹100 Cr+The club
Your own staircase, in 10 seconds
₹100 Cr
Illustration at your assumed return, not a guarantee. A step-up SIP is a monthly investment you increase every year as income grows.
Illustrative: ₹1L a month, stepped up 10% a year, compounding at roughly 14%, in line with long-run Indian equity returns.
Wealth management across five needs. One system.
You don't have an investing problem. You have a coordination problem. Your tax advisor doesn't know what your fund manager bought. Your insurance agent has never seen your portfolio. Nobody is holding the whole picture, so nobody is accountable for the outcome.
₹1,600 Cr
Advised across 400+ families like yours, with one owner of the outcome: us.
Real estate
REITs and InvITs, so property earns its place in the plan without locking up your life.
Fixed income
Bonds and private credit, the ballast that lets the equity engine run through rough weather.
Risk & insurance
Health and term cover sized to income and liabilities, so one bad year cannot undo ten good ones.
Tax
Advisory and planning woven into every decision, because returns are measured after tax, not before.
Start before the expensive years.
You focus on earning. We'll handle the wealth, and someone is accountable for whether you're on track.
1
Book your free X-ray
We map your complete financial picture and show you exactly where you stand, and what is leaking.
2
Meet your advisor
Walk through your plan: investments, real estate, fixed income, insurance, tax and the road ahead.
3
Start building
The plan goes to work. Nothing moves without your sign-off, and you watch it compound on one dashboard.
Pick a slot that works. You get a calendar invite with a video link. Send your latest portfolio statement any time before the call and we will have read it before you join. Built for professionals, founders and NRIs earning ₹40L+ a year.
We're not for everyone. If you want stock tips or the next IPO, we're the wrong firm.
Not ready to talk? Get the five checks we run on every portfolio. One email, no follow-ups.
Fair questions.
The ones people actually ask before trusting anyone with their financial life.
Is my money safe with you?
We never hold your money. Every investment stays in your name, in your own accounts and folios, with the fund house or custodian. You can see everything, and exit anything, at any time. What we run is the plan, not your bank account.
What exactly does Oliv do?
We run your entire financial life as one coordinated plan: investments, real estate, fixed income, insurance and tax. You get one team, one dashboard, and one person accountable for whether you are on track. Execution happens only with your sign-off.
What happens in the free portfolio review (X-ray)?
You share a portfolio statement. We analyse overlap, underperformance, tax and insurance gaps, then walk you through it in a 30-minute call: where you stand, what is leaking, and how to fix it. Full details on how the portfolio review works.
Have you done this before?
The team behind Oliv advises ₹1,600 Cr across 400+ families, and came to advisory from the investing side of the table: years spent evaluating companies and managing serious capital through bull runs and drawdowns alike. This is not our first market cycle.
What does it cost to start?
The X-ray and the first conversation are free, with no obligation. If we decide to work together, we agree the scope and terms up front, in writing, before a single rupee moves. No surprises later.