Help · The WealthWorld journey

From sign-in to a printable plan in seven steps

WealthWorld turns your profile into a complete, product-level investment plan. You answer a few questions, WealthWorld AI proposes the portfolio, and every proposal is validated against hard investment rules before you see it. Here's the whole flow.

  1. 1 Sign in
  2. 2 Questionnaire
  3. 3 Declaration
  4. 4 Allocation
  5. 5 Products
  6. 6 Risk options
  7. 7 Report

The capsule bar at the top of every page is this same map — steps unlock as you complete the ones before them, and once unlocked you can jump between them freely from anywhere.

1Sign in with Google

One click with your Google account — no separate password to manage. Your plans, answers and declarations are stored against your profile so you can pick up where you left off on your next visit.

2Questionnaire

Five quick questions — age, family size, senior citizens at home, household income band, and how many earning members support the family.

These feed a risk score out of 100 that places you in a Low, Medium or High risk bracket. The score is indicative — you'll get to choose your own bracket at step 6.

3Declaration

Tell us what you're investing: a corpus, a monthly amount, or both — a corpus is optional, so SIP-only journeys work fine. Add your expected return (default 7% p.a.), time horizon, an inflation assumption (default 6%), and your goal.

Two optional extras make the advice sharper: your existing holdings (so the engine avoids over-concentrating what you already own) and a free-text investment preference like "prefer gold and PPF, avoid stocks" — honoured wherever the rules allow.

4Allocation

WealthWorld AI proposes your asset mix across sixteen instrument classes — mutual funds, stocks, deposits, bonds, small savings, real estate, land, gold, commodities, international, crypto, derivatives, private credit and more — shown as a 3D chart with a trust-style major-class rollup and a goal projection that includes an "in today's money" line.

Every proposal is re-validated server-side against hard rules before you see it, and Regenerate produces a fresh take any time.

5Product-wise advice

The mix becomes named instruments. Mutual funds are screened daily from live AMFI market data — 3-year and 5-year returns plus consistency — and WealthWorld AI selects only from that screened shortlist.

Amounts are split between Lumpsum (invested upfront from your corpus) and SIP (deployed monthly) — your monthly contributions are always SIP by nature.

6Risk options — your choice

A popup tells you which bracket we advise for your profile, then you compare three complete portfolios — Low, Medium and High — each with its own mix, expected growth rate and projected value (nominal and in today's money).

The advised one is highlighted, but the decision is yours — select any of the three.

7Report

Your selected portfolio as a clean, printable report: the full allocation, every recommended product with amounts and modes, and the projection to your horizon. Use your browser's print for a paper or PDF copy — it prints in light theme automatically.

The guardrails (always enforced, whatever the AI says)

Real estate only with a corpus of ₹25 lakh or more · direct stocks only above ₹5 lakh and never more than 20% · land only above ₹50 lakh with a 7+ year horizon · crypto capped at 5% and only for 5+ year horizons · international capped at 8% · commodities at 7% · derivatives at 5% (hedging only, ₹25 lakh+) · unlisted/collectibles at 3% (₹50 lakh+) · horizons under 3 years exclude all speculative classes · and there's always at least 2% cash for liquidity.

Frequently asked

Yes. Leave the corpus at 0 and enter a monthly amount on the Declaration screen. The plan is then built around your first year of contributions, everything is deployed as SIPs, and the projection grows purely from your monthly investing.

Projections are shown two ways: the nominal future value, and that value deflated by your inflation assumption — i.e. what it would buy at today's prices. It's the honest way to judge whether a plan really grows your purchasing power.

If WealthWorld AI is temporarily unreachable, the app falls back to a deterministic rule-based allocation so you're never left without a plan. Click Regenerate on the Allocation screen to try the AI engine again.

Any time. Use the capsule bar at the top to jump back to the Questionnaire or Declaration, update, and resubmit — a fresh plan is generated for the new inputs. Steps unlock as their prerequisites are completed.

One of the guardrails above applies — most often the corpus threshold or a short horizon. The rationale column on the Allocation screen explains each inclusion, and the narrative notes anything excluded by rule.

No hard-coded lists. A background service refreshes the fund universe daily from the official AMFI NAV feed, screens Direct-Growth schemes on multi-year returns and consistency, and the AI selects only from that screened shortlist.

No — WealthWorld provides illustrative, educational recommendations based on past performance, which does not guarantee future returns. Please consult a SEBI-registered investment adviser before acting on any plan.
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