Our Story

Why we built this and what we believe


Our Story

How wealth42 was born

Why we built this.

"I don't know what to do with my money"

"I still invest in FDs"

"Should I be buying crypto"

"My parents want me to buy a house"

Across our friend circles, we found something curious. Folks from some of the best universities (some with MBAs), with interesting jobs and solid incomes, were struggling with their finances.

The reasons were many. A busy lifestyle, extreme amounts of information, and loads of contradictory advice had left many extremely intelligent folks paralyzed with inaction. It was a problem we faced as well. How does one get started?

In 2020, the world went through a once-in-a-lifetime pandemic, followed by an asset boom like no other. Everything from penny stocks to shitcoins would rise by double-digit percentages daily. This led to an emergent breed of new investors hoping to make it big through options, algo, crypto trading, egged on by Youtube youngsters, Telegram tipsters, and Instagram Influencers (finfluencers).

Across this spectrum of savers and speculators, we found ourselves wondering - how should we think about financial planning?

We built this for ourselves, and now for you

Professional financial advice is available. It's just not very accessible. The wealthy get access to diversified planning in a rapidly changing boom and busy cycle. They get access to retirement planning and hedged portfolios. The rest are left to fend for themselves. Either rely on the neighbourhood uncle telling you to invest in FDs, or figure it out for yourself, leading to disastrous anecdotes of poor decision making.

We went back to the basics to educate ourselves, and we'll publish a reading list soon :) We also spoke to financial planners and over 300 customers.

Our understanding - Financial planning is just math - it's you figuring out your inflows and outflows, and trying to get your investments to grow at a steady pace, so your savings help you in the future. Then we built something that would do this math, which, while computationally complex, was not magic.

Hopefully, you'll find it useful too.

Who we are

We’re a bunch of builders, who like taking things apart and putting them back together, so they work better.

We've assembled a team with deep expertise in building systems across disciplines.

Our approach to financial planning and wealth management is similar to finding a productivity system that works for you, or an exercise and diet plan that suits who you are

Read more about our team here.

What we believe

We believe people should take control of things that are important. Like their financial future. Folks shouldn’t risk their hard-earned money. Investing without a plan is like doing stunts without a helmet. You look cool until you’re collecting your organs from the asphalt.

People pitch investments as a way to make money. This may be a risky notion propelled by some optimistic bull runs. The reliable way to get wealthy is by doing what you do well. Whatever generates you income. THEN, investment is for preserving that hard-earned wealth so you can put it to good use in the future - when you need it most.

We can't make you money. Getting wealthy is your job. We're going to help you stay wealthy.

We believe hard things are worth doing right. This is hard work, and quite intimidating. You’re not going to develop a perspective and worldview on this by accident. You need to put in the effort to understand what you want from your future, set some goals, and work towards preserving your hard earned wealth. This involves decisions on risks, and prioritizing choices.

If that sounds scary, we understand. But that's precisely why it is worth doing well. We're going to equip you with the tools and make this simpler.

We’ll be honest. This is a hard problem to solve, and we want to build a personalized, scalable solution that works for you. We are not solving for the wealth in wealth42 - that’s your job. We’re solving for the *.

... there's more