01 / Discipline
Research-Backed Portfolios
Every investment decision is grounded in academic evidence and macro analysis.
Specimen 01 / GrowthMoneyIQ / ArchiveSmall acts, given timeEst. 2000
Chapter 01The long horizon
Wealth rewardspatience.
Built by a family, for families in India and abroad. Research-led mutual fund distribution and insurance, with personal accountability in every relationship.
A field study in patience
Compounding is quiet. Until time makes it visible.
Move across the field. Each layer responds at a different pace. Short-term noise and long-term progress rarely move together.
TrustDisciplineTime
Interactive folio / 01Move the cursor
Year 01Year 10Year 25
Small acts / repeatedTrust / earned over time
See our long-term approachTrust is earned over time.
Wealth is built the same way.
Our framework
Four disciplines. One relationship.
Research tells us what deserves attention. Rules protect the plan from noise. Coordination keeps the whole financial life moving in one direction.
02 / Discipline
Rules-Based Discipline
We commit to allocation frameworks before emotions enter the room.
03 / Discipline
Coordinated Financial Decisions
Mutual funds and insurance considered alongside tax and legal questions, with qualified specialists brought in where needed.
04 / Discipline
Context Before Action
We begin with your goals and constraints, explain the trade-offs clearly, and only then discuss implementation.
25+
Years of trust1,500+
Families helped since 2000700,000+
CommunityThe people behind the standard
Led by Udayan and Yashashri.
Yashashri brings the experience of long client relationships. Udayan brings a research-led approach to investing.
Family ledger / 2000 to present
Foundation, carried forward.
Yashashri brings decades of foundational trust and stability, while Udayan (Oxford University, Saïd Business School) drives an evidence-based, data-backed approach to wealth management and allocation.
2000
The year 2000
A practice built on protection
Sunil Adhye began an insurance practice as India's private insurance sector was opening. The work was personal from the start: helping families prepare for events they hoped would never come.
2008
The family is tested
Protection becomes personal
A medical complication changed the family's life overnight. Protection, continuity, and preparedness were no longer abstract ideas.
2009
Yashashri takes the reins
Continuity through uncertainty
Yashashri stepped into the practice and ensured that client families continued to be supported without interruption. Over the years that followed, she built the work around empathy, steadiness, and doing right by people when they were most vulnerable.
2015 / 2018
A licence, then active work
Udayan begins his role
Udayan received his first financial services licence in 2015. He began working more actively in the family practice in 2018, bringing a research-led approach shaped by data, scepticism, global perspective, and a willingness to change course when better evidence appears.
Now
The MoneyIQ chapter
Two generations, one standard
Today, Yashashri and Udayan work together under the MoneyIQ name. The tools are newer and the research is broader, but the standard is unchanged: patience, clear explanations, and personal accountability in every relationship.
NRI & cross-border
One family plan. Across borders.
MoneyIQ helps NRI families organise India-linked investments and coordinate tax and compliance questions with qualified cross-border specialists.
Explore NRI planningYour country of residence, FEMA rules, account structure, repatriation, and local tax treatment can all change the right path. MoneyIQ brings the India side of the picture into one calm, coordinated conversation.
- United States
- UAE & GCC
- United Kingdom
- Europe
- Other regions
Specimen 03 / DistanceMoneyIQ / ArchiveOne plan across bordersEst. 2000
Good conversations start with context
Bring us the whole financial picture.
Start with a conversation about your family, what you already hold, what is making the decision difficult, and the life your wealth needs to support.
Mutual fund-related conversations and transactions are undertaken in the capacity of a mutual fund distributor. Tax and legal matters are handled by qualified specialists.