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You earn well. Your financial life doesn't reflect it yet.

For engineers, product managers and tech leaders who build great systems at work, and still don't have one for their money.

A system diagram. Six scattered accounts, from mutual funds to RSUs and a PPF, are wired into a single Money Map, which feeds three buckets labelled soon, later and much later. 11 FUNDS RSUs ESOPs PPF FD POLICY MONEY MAP SOON LATER MUCH LATER

The usual stack

Open the folder most tech professionals keep in their heads. It tends to look like this.

None of it is wrong on its own. Together, it's an accumulation. Not a portfolio.

 tree ~/moneyEleven mutual funds, started on different apps in different yearsRSUs vesting every quarter into a US brokerage accountESOPs from a startup that may or may not be worth somethingAn insurance policy from your first job you keep meaning to look atA PPF, an FD and a savings account that's quietly too large cat purpose.txtNo clear answer to "what is all this for?"

Four bugs we see most often

BUG 01Common

Your employer is your biggest investment.

What it looks like
Your salary, your bonus and a large slice of your savings all depend on one company.
Why it matters
If that company has a bad year, your income and your investments can fall at the same time.
What we do
We show that concentration clearly on your Money Map. Then we build your mutual fund portfolio to balance it, not add to it. Whether and when to sell your shares stays your call.
BUG 02Common

Your RSU tax isn't where you think it is.

What it looks like
Tax is deducted when your RSUs vest, so it feels settled. Then you sell, and there's more to pay. Dividends arrive with US tax already taken out.
Why it matters
Tax at vest and tax at sale are separate events. Credit for tax paid abroad is usually available, but only if your return is filed correctly.
What we do
Every vest and sale goes on your Money Map, next to your mutual funds. For the filing, we introduce you to a CA who handles foreign shares every year.
BUG 03Common

Foreign shares need their own line in your tax return.

What it looks like
Shares in a US account feel like they live in the US. Out of sight, and out of your Indian return.
Why it matters
As an Indian resident, you're expected to report foreign assets every year, even in years you sell nothing. Missing it can lead to penalties.
What we do
Your Money Map lists every foreign holding, so nothing falls off the list. Your CA handles the reporting.
BUG 04Common

Too many funds, all doing the same job.

What it looks like
A new fund every time an app or a colleague suggested one. Ten funds, mostly holding the same large companies.
Why it matters
More funds don't mean more diversification. They mean more statements, more overlap and more decisions you never quite make.
What we do
We help you move to fewer funds, each with one clear job. Before any switch, you'll see the tax and early-exit costs in rupees.

How WealthOS runs for you

  1. v1.0

    Your Money Map.

    Every account, in every country, on one page.

  2. v1.1

    Your Three Buckets.

    Each fund gets one job, matched to when you'll need the money.

  3. v1.2

    Sensible defaults.

    SIPs set to your payday. A simple rule for where each bonus goes when it lands.

  4. v2.0

    The Yearly Rhythm.

    Quarterly check-ins and one deeper review a year. Fewer reasons to open five apps after a market headline.

  5. Always on

    The Handover File.

    A plain record your family could follow, including the accounts abroad they don't know about.

Questions engineers ask us

Why not just buy index funds on an app myself?

You can, and many people should. If you enjoy it and stay disciplined, going direct costs less. People come to us when they want the whole picture handled, or when they've noticed they don't stick to the plan. We'll tell you honestly which camp you're in.

Can you manage my US shares or my startup ESOPs?

No. We're a mutual fund distributor, so we don't buy or sell shares for you. But they go on your Money Map, and your mutual fund portfolio is built with them in mind.

I'm already running SIPs. What would actually change?

Usually three things. Fewer funds. A clear job for each one. And a yearly rhythm, so decisions happen on schedule instead of after a bad news day.

I might move abroad in a few years. Does that matter now?

It does. Some fund houses don't accept investors based in certain countries, including the US and Canada. We keep that in mind from the first conversation.

What tech professionals tell us

I can fix a production outage at midnight. I can't tell you what my eleven funds are for.
Half my net worth is in my company's stock. I know that's a problem. I just haven't dealt with it.
Every app has a dashboard. None of them shows me the whole thing.
My RSUs vest every quarter and I never decide anything. They just pile up.
I have shares in a US account I haven't opened since the day I set it up.
We earn two good salaries. I still can't tell you if we're on track for anything.

Let's build the system you keep putting off.

45 minutes, by video or in Bengaluru. No fee, no pressure.

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