Invesly transforms how individuals invest by offering a unified, user-centric platform that simplifies and enriches the investment journey. The platform consolidates a wide spectrum of financial products—mutual funds, bonds, digital gold, fixed deposits, peer-to-peer (P2P) investments, and insurance—into a seamless interface. With a strong emphasis on goal-based investing, Invesly enables users to plan strategically and work toward their financial aspirations with precision. Its automated investment tools, such as round-up investing for consistent spare-change investments and Systematic Investment Plans (SIPs) for disciplined long-term growth, elevate financial planning to a new level of efficiency.
What truly differentiates Invesly is its integration of AI-powered advisory services. These include personalized guidance for financial planning, retirement strategies, tax optimization, and risk management. The platform further enhances user experience with zero paperwork onboarding, comprehensive 360° portfolio monitoring, and access to dedicated wealth advisors. Data privacy and security remain paramount, with end-to-end encryption and rigorous adherence to regulatory standards safeguarding every transaction.
Unlike traditional investment services, Invesly adopts a zero-commission, fee-only advisory model, ensuring users receive unbiased advice tailored to diverse investment needs. Backed by cutting-edge technology and a proficient in-house research team, the platform delivers real-time portfolio analysis and monitoring, empowering users to make informed decisions with confidence.
In an exclusive interaction with The Interview World, Ashutosh Gupta, Founder of Invesly, sheds light on the innovative approach driving his platform’s success. He delves into the business’s revenue model and articulates his long-term vision to redefine the investment landscape. Below are the key insights from this enlightening conversation.
Q: Can you provide insights into the innovative investment platform you are developing and how it aims to deliver superior returns to investors compared to existing alternatives?
A: In today’s investment landscape, inefficiencies abound, particularly in fund management. At Invesly, we are addressing this challenge with a next-generation investment platform. Our approach combines personalized guidance with advanced machine learning (ML) and artificial intelligence (AI) algorithms to significantly reduce the costs associated with fund management.
Passive investment trends, such as ETFs and funds with low expense ratios, are gaining traction. However, traditional active funds in India have historically maintained expense ratios of 2–2.5%, an exorbitant cost. To put this into perspective, over 10–20 years, a middle-class investor achieving an average annual return of 8% could lose up to 20% of their appreciated capital to fees. For many families, this represents a significant loss of wealth.
At Invesly, we are committed to minimizing these expenses, empowering middle-class investors to grow their wealth more efficiently and sustainably. Our platform evolves continually, driven by client feedback and tailored to meet the needs of fund houses, investment bankers, asset management companies, and individuals. By leveraging cutting-edge AI and ML technologies, we aim to redefine how wealth is managed in the modern era, making investing more accessible, cost-effective, and impactful for all.
Q: Can you explain your revenue model and how it aligns with your mission to save investors significant amounts of money while ensuring sustainable profitability?
A: We aim to eliminate variable costs by transitioning to a fixed-cost model, bringing stability and efficiency into the equation. Once this fixed-cost structure is in place, a portion of the funds will support our operations, enabling us to sustain and grow our business.
However, our mission goes beyond profitability. While we are not a non-profit organization, we are deeply committed to addressing inefficiencies that could have been resolved a decade ago, especially with the advent of financial programming languages during that time.
Our revenue model is straightforward: we will earn a share of the fixed costs generated once our model is implemented. This approach not only drives financial sustainability but also contributes to a larger social purpose by tackling long-standing inefficiencies in the financial ecosystem.
Q: How many clients have you successfully onboarded onto your platform so far?
A: We are currently in the early stages of development, and our model remains a work in progress. For now, we are delivering our services manually. Despite this, a few clients have already entrusted us with their needs, accepting our services at a cost.
Looking ahead, we plan to automate the entire process, ensuring greater efficiency and scalability. Once automation is complete, we will launch into the market with full force, ready to deliver our solutions on a larger scale and drive impactful results.
Q: What is your long-term vision for the organization, and where do you see it positioned in the next five to ten years?
A: In the next five to ten years, we envision ourselves as a formidable force, positioned alongside or even surpassing Zerodha. While Zerodha currently operates as a brokerage firm, our ambition is to evolve into a comprehensive investment platform of equal, if not greater, significance. This vision drives our efforts as we work relentlessly to build a platform that will redefine investment management. We are determined to transform the landscape and become a leader in the space.
