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Investing has becometoo complicated.

Thousands of stocks, funds, ETFs and bonds.
It’s hard to know what’s right for your goal.

Some of the choices you face in the market
Commodity Funds Thematic Funds Overseas ETFs Mutual Funds
Direct Stocks Sector Funds Small-Cap Funds Large-Cap Funds
Mid-Cap Funds Gold / Crypto Penny Stocks
NFOs / ELSS Index Funds Flexi-Cap Funds Balanced Funds
REITs / InvITs Corporate Bonds Gold Bonds …and many more

You shouldn’t have to figure it all out on your own.

Investing, simplified

Skip the search. Choose from 4 goal-based portfolios.
We research and select the investments for you.

Regular income Fixed Income Fund Bonds & debt for regular income. Moderate RiskView basket Income + capital growth Dividend Yield Fund Dividend-paying companies for income & potential growth. High RiskView basket Grow my capital Wealth Multiplier Fund High-growth shares for long-term wealth. High RiskView basket My child’s future Child Security Fund Equity, debt & gold for education and future milestones. Moderate RiskView basket
Professionally curated baskets, offered at a flat fee model.
Explore Portfolios Book Free Consultation
Watch: Our Explainer

See exactly how EquityWallet works

Under 15 minutes, start to finish — and the video walks through the whole thing.

  • Pick a basket that matches your goal
  • Link the broker you already use
  • Shares land in your own Demat account
Hindi version coming soon
Language
Live Explainer
YOUR INVESTING JOURNEY

Every step.
Made simple.

See how you go from choosing a goal to owning your investments.

DiscoverStep 1 of 7
01 / CHOOSE

Your goal comes first.

Choose a basket for income, capital growth or your child’s future.

  • Three goals. Three researched baskets.
  • Compare fees, minimums and timelines.

An illustrative guide, not a live transaction. Screens and steps may vary by execution partner and broker. You authorise your own orders; EquityWallet does not hold client funds or securities.

Our Investment Baskets

Value-investing portfolios for long-term wealth.

Grow my capitalBasket 3 of 4
Grow my capital

Wealth Multiplier Fund

A basket of company shares selected to grow your money over the long term.

Minimum investment₹50,000
Research fee₹1,111 /mo
Suggested time5+ Years
Capital loss riskHigh

What does this basket do?

This basket aims to grow your money over the long term by investing mainly in companies with strong growth potential. We research their businesses and select shares that may benefit as earnings and operations expand. It is designed for goals such as building wealth, buying a home or planning an early retirement. The basket can also hold debt within its stated limit, allowing the investment mix to change over time.

Where is the money invested?
Investment typeMaximum limit
Shares (equity)100%
Debt30%

The basket can be 100% shares. If we add debt, we reduce the shares by the same amount. For example: 70% shares + 30% debt = 100%.

Understanding the investment types

Shares (equity) mean ownership in companies. Debt includes bonds and other lending investments. Gold means gold-related investments. A maximum is the most we can invest in that asset, not a fixed allocation. The actual percentages always add up to 100%. These are policy limits, not current holdings.

Who is this basket for?

Investors focused on building wealth, rather than drawing regular income. It may suit people who can leave their money invested for at least 5 years and stay invested through large market movements.

Goals it can support
  • Buy a House
  • Buy a Car
  • Build Wealth
  • Early Retirement
May not suit you if…

You need the money soon, depend on it for regular expenses, or are uncomfortable with the possibility of capital loss.

What risks should I know?

Share prices can fall sharply, and you may lose money. This basket is intended for goals at least 5 years away.

Capital loss risk: HighChanges in value (volatility): High

Explore the full basket before you decide.

Income + capital growth

Dividend Yield Fund

A basket of dividend-paying companies, selected for income and long-term growth.

Minimum investment₹1,00,000
Research fee₹999 /mo
Suggested time5+ Years
Capital loss riskHigh

What does this basket do?

This basket aims to combine dividend income with long-term growth in the value of your investments. We research and select dividend-paying companies with the potential to grow their businesses over time. It is designed for investors who want income from their investments while continuing to build capital. The basket can also hold debt within its stated limit. Its focus is on combining income opportunities with the potential for capital appreciation.

Where is the money invested?
Investment typeMaximum limit
Shares (equity)100%
Debt30%

The basket can be 100% shares. If we add debt, we reduce the shares by the same amount. For example: 70% shares + 30% debt = 100%.

Understanding the investment types

Shares (equity) mean ownership in companies. Debt includes bonds and other lending investments. Gold means gold-related investments. A maximum is the most we can invest in that asset, not a fixed allocation. The actual percentages always add up to 100%. These are policy limits, not current holdings.

Who is this basket for?

Investors looking for potential dividend income alongside long-term capital growth. It may suit people with a horizon of at least 5 years who understand that both dividends and share prices can change.

Goals it can support
  • Regular Income
  • Financial Independence
  • Wealth Creation
May not suit you if…

You need a fixed monthly payout or guaranteed income. Companies decide when and how much dividend to pay, so payments may vary or stop.

What risks should I know?

Dividends can change or stop. Share prices can fall, and you may lose money.

Capital loss risk: HighChanges in value (volatility): High

Explore the full basket before you decide.

Regular income

Fixed Income Fund

A debt-only basket for investors seeking income from debt investments.

Minimum investment₹75,000
Research fee₹899 /mo
Suggested time3–5 Years
Capital loss riskMedium

What does this basket do?

This basket invests in central government bonds, state government bonds and corporate bonds, with the aim of generating regular income. We research and select bonds with the objective of earning returns above bank fixed deposits (FDs). It is designed for investors who prefer a debt-only approach and want to plan for ongoing expenses or future income needs. The suggested investment timeline is 3–5 years. The basket does not invest in company shares or gold.

Where is the money invested?
Investment typeMaximum limit
Debt100%

All the money is invested in debt. There is no allocation to shares or gold.

Understanding the investment types

Shares (equity) mean ownership in companies. Debt includes bonds and other lending investments. Gold means gold-related investments. A maximum is the most we can invest in that asset, not a fixed allocation. The actual percentages always add up to 100%. These are policy limits, not current holdings.

Who is this basket for?

Investors who prefer a debt-only portfolio and want to work towards long-term income goals. It may suit people planning ahead for retirement or other future expenses, with a horizon of 3–5 years and an understanding of debt-market risk.

Goals it can support
  • Retirement Planning
  • Secure Future
  • Lifestyle Comfort
May not suit you if…

You need a guaranteed interest rate, assured repayment, or immediate access to money without changes in investment value. This basket is market-linked, rather than a bank fixed deposit.

What risks should I know?

Debt investments can lose value if interest rates change or an issuer cannot repay. Returns are market-linked, and income payments are not guaranteed. Unlike a bank fixed deposit, the value of your investment can change.

Capital loss risk: MediumChanges in value (volatility): Medium

Explore the full basket before you decide.

My child’s future

Child Security Fund

A mix of shares, debt and gold for education and other future milestones.

Minimum investment₹25,000
Research fee₹799 /mo
Suggested time5–8 Years
Capital loss riskMedium

What does this basket do?

This basket aims to help parents and guardians build money for a child’s education and other future milestones. It combines company shares for growth with the flexibility to include debt and gold within their stated limits. We research and select the investments, and the mix can change over time while staying within the basket’s allocation policy. It is designed for goals 5–8 years away, giving families a long-term approach to planning for their child’s future.

Where is the money invested?
Investment typeMaximum limit
Shares (equity)100%
Debt30%
Gold30%

The basket can be 100% shares. Any debt or gold replaces some shares; each is capped at 30%. For example: 40% shares + 30% debt + 30% gold = 100%.

Understanding the investment types

Shares (equity) mean ownership in companies. Debt includes bonds and other lending investments. Gold means gold-related investments. A maximum is the most we can invest in that asset, not a fixed allocation. The actual percentages always add up to 100%. These are policy limits, not current holdings.

Who is this basket for?

Parents and guardians building money for education, higher studies or other milestones 5–8 years away. It may suit families who can give the investment time to grow and accept changes in value along the way.

Goals it can support
  • Child Education
  • Higher Studies
  • Bright Future
May not suit you if…

School fees or another essential payment are due soon, or you need the invested amount to be protected. The basket can hold a large share of equities and can lose value.

What risks should I know?

Shares, debt and gold can all change in value. Investing across these assets does not guarantee returns or protect against capital loss. Your capital is at risk, so plan for a long investment period.

Capital loss risk: MediumChanges in value (volatility): Medium

Explore the full basket before you decide.

Compatible with All Major Indian Brokers
ZerodhaZerodha GrowwGroww Angel OneAngel One UpstoxUpstox HDFC SecuritiesHDFC Securities ICICI DirectICICI Direct
How orders are placed

Research Analysts do not execute trades — clients place their own orders through their chosen broker.

All broker names and logos are trademarks of their respective owners. EquityWallet is not affiliated with, endorsed by, or sponsored by any broker listed above.

Referral & Rewards

Refer once.
Earn every month
they stay.

Introduce fellow investors to EquityWallet and earn a share of the fee they pay — credited every month they stay subscribed, not once.

% is your revenue share of every referred customer’s monthly fee, for as long as they stay subscribed
  • Credited monthly, automatically, with no paperwork to chase
  • No earnings ceiling — refer five investors or five hundred, the rate never drops
  • Paid while they stay — year two pays you exactly what year one did
Join the referral programme

Free to join · No cap on referrals · SEBI-registered research

What could you earn?

Type a number, or drag the slider

friends
0 50
You would earn about

– over a year

That is – every month, for as long as they stay subscribed.

Every friend who subscribes earns you about – a month — % of the fee they pay us.

How this is worked out

Your friends can pick any of the four baskets, and the fees differ, so this uses the average of the four — – a month.

    Illustrative estimate, not a commitment. You earn a recurring share of each referred customer’s monthly research fee, paid while they stay subscribed.

    FAQ

    Frequently Asked Questions

    Common questions about the baskets, the fees and how your money actually moves.

    What is EquityWallet?

    EquityWallet is a SEBI-registered Part-Time Research Analyst firm (Reg. No. INH000028811, BSE RAASB Enlistment No. 7362). We build and maintain curated baskets of Indian equities, and you invest in them through your own broker for a flat monthly research fee. You own the shares; we do the research.

    How is this different from a mutual fund?

    Two differences. First, the shares sit in your own CDSL or NSDL Demat account, in your name — not in a pooled fund. Second, you pay a fixed monthly fee rather than a percentage of your portfolio, so the cost does not grow as your corpus does.

    What does it cost?

    A flat monthly research fee per basket: ₹1,111 for Wealth Multiplier, ₹999 for Dividend Yield, ₹899 for Fixed Income and ₹799 for Child Security. There is no percentage cut of your portfolio and no exit load from us. Your broker's own brokerage and statutory charges still apply.

    What is the minimum investment?

    It differs by basket, because each one has to buy whole shares in sensible weights: ₹50,000 for Wealth Multiplier, ₹1,00,000 for Dividend Yield, ₹75,000 for Fixed Income and ₹25,000 for Child Security.

    Do you hold my money or my shares?

    No. We never hold or custody client funds or securities. Orders go straight to your broker, you approve them, and the shares land in your own Demat account. Your money moves between you and your broker only.

    Which brokers can I use?

    The major Indian brokers, including Zerodha, Groww, Angel One and Upstox. You connect your existing account — we never store your broker login.

    How does rebalancing work?

    Our Research Analyst reviews every basket on an ongoing basis. When a change is due — a stock needs replacing, or weights need adjusting — you get a notification, you review it, and you approve it in one tap. There is no extra fee for a rebalance.

    How long should I stay invested?

    Suggested investment timelines are 3–5 years for Fixed Income, 5–8 years for Child Security, and 5+ years for Wealth Multiplier and Dividend Yield. Equity carries a risk of capital loss and returns are never guaranteed.

    Is this investment advice?

    No. We are a Research Analyst, not an Investment Adviser. What we publish is research on the baskets, not advice personalised to your circumstances, goals or risk appetite. For personalised advice, please consult a SEBI-registered Investment Adviser.

    How does Refer & Earn work?

    If someone you refer subscribes, you earn 15% of their monthly research fee for as long as they stay subscribed — not a one-time joining bonus. There is no cap on how many people you refer.

    How do I raise a complaint?

    Write to grievance@equitywallet.in — we respond within 2 business days, against a SEBI-mandated limit of 30 days. You can also escalate directly to the regulator on the SEBI SCORES portal.

    Still have a question? Send us a message — we reply within one business day.

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