Founded by Vikash Royal — MBA Finance, AMFI Registered Distributor (ARN-356458), NISM Certified, 7+ Years in Finance
I am Vikash Royal, the founder of Pocket Wealth Investments. My journey into financial advisory was not accidental — it was built through years of formal education, professional certifications, and hands-on experience in the finance domain.
I hold a Bachelor's degree in Engineering which gave me an analytical mindset and the ability to approach financial planning with data-driven precision. I then pursued an MBA in Finance, deepening my understanding of capital markets, portfolio theory, risk management, and investment analysis. This combination of engineering discipline and financial expertise is what sets Pocket Wealth Investments apart — every recommendation I make is backed by rigorous analysis, not guesswork.
With 7+ years of experience in the finance domain, I have guided hundreds of families through their investment journeys — from their very first ₹500 SIP to building multi-crore portfolios. I have seen market crashes, bull runs, pandemic-driven volatility, and everything in between. This experience has taught me one fundamental truth: disciplined, long-term SIP investing in quality mutual funds is the most reliable path to wealth creation for the average Indian investor.
I believe that managing someone's hard-earned money is a serious responsibility. That is why I have invested in multiple professional certifications to ensure I am qualified to provide the best possible guidance across different investment domains.
Strong analytical and quantitative foundation. Data-driven approach to financial planning and portfolio construction.
Advanced knowledge in capital markets, portfolio management, corporate finance, risk assessment, and investment analysis.
ARN-356458 — Authorized by AMFI (Association of Mutual Funds in India) to distribute mutual fund schemes across all AMCs in India.
NISM certified in equity derivatives — qualified to advise on options, futures, hedging strategies, and derivative-based risk management.
Qualified for Specialized Investment Fund (SIF) distribution — one of the newest SEBI-regulated investment products launched in 2025 for sophisticated investors.
Certified Retirement Adviser — qualified to create comprehensive retirement income plans, NPS advisory, and post-retirement portfolio strategies.
Pocket Wealth Investments is a SEBI Registered Mutual Fund Distribution firm founded by Vikash Royal with a clear purpose — to make professional, research-backed mutual fund advisory accessible to every Indian investor, regardless of their investment amount.
The name "Pocket Wealth Investments" reflects our core belief: even pocket-sized investments, when planned well and invested consistently, can grow into life-changing wealth. A ₹500 monthly SIP, started early and maintained for 20-25 years, can grow into lakhs. That is the power of compounding that we help our clients harness.
Based in Jaipur, Rajasthan, we serve investors across all of India through our fully digital, paperless process. Whether you are in a metro city or a small town, you get the same level of expert advisory through WhatsApp, phone, and video calls.
Over 7 years in the finance domain, I have personally witnessed several market cycles that shaped my investment philosophy and the advice I give to my clients today.
Lesson 1 — Markets always recover: I have seen clients panic during corrections and sell their mutual fund units at a loss, only to watch the market recover within months. The investors who stayed invested through volatility consistently outperformed those who tried to time the market. This is why I always tell my clients: time in the market beats timing the market.
Lesson 2 — SIP discipline matters more than fund selection: I have seen clients with average fund selections build substantial wealth simply because they never stopped their SIP. Conversely, I have seen clients with the best funds lose money because they kept stopping and restarting based on short-term performance. Consistency is the real secret of wealth creation.
Lesson 3 — Financial planning is personal: No two investors are alike. A 25-year-old software engineer has different needs than a 45-year-old business owner. That is why I never recommend "one-size-fits-all" portfolios. Every plan I create is customized to the individual's income, expenses, goals, risk appetite, and family situation.
Lesson 4 — Trust is everything: Managing someone's money is a deeply personal responsibility. I have built Pocket Wealth Investments on a foundation of transparency, honesty, and genuine care for my clients' financial wellbeing. When I recommend a fund, it is because I believe in it — not because it pays the highest commission.
SEBI & AMFI Regulated: I operate under ARN-356458, registered with AMFI and regulated by SEBI. Your investments go directly to the mutual fund AMC (like HDFC, SBI, ICICI, Nippon etc.) through BSE StAR MF platform. Your money never passes through me — I only facilitate the transaction and provide advisory.
Multi-Certified Expertise: With an MBA in Finance, Engineering degree, and 3 NISM certifications (Equity Derivatives, SIF Distribution, and Retirement Adviser), I bring a depth of knowledge that goes far beyond basic mutual fund distribution. Whether you need help with retirement planning, derivative hedging, or SIF products, I have the formal qualifications to guide you.
Zero Hidden Charges: My advisory is completely free for investors. I earn a small trail commission (typically 0.5-1% per year) from the mutual fund company — this is the same commission that any distributor, bank, or platform earns. There is no additional fee, no advisory charge, and no lock-in with Pocket Wealth Investments.
Personal Accountability: Unlike large platforms where you are just an account number, at Pocket Wealth Investments you deal directly with me — Vikash Royal. When I recommend a fund, my name and reputation are attached to that recommendation. This personal accountability ensures I only suggest what I genuinely believe is right for you.
SIP is the most effective wealth creation tool for salaried individuals and business owners. By investing a fixed amount every month, you benefit from rupee cost averaging and the power of compounding — two forces that work silently in your favor over time.
What I do for you: I analyze your income, expenses, existing investments, and goals to recommend the optimal SIP amount. Then I build a diversified portfolio across large-cap (stability), mid-cap (growth), flexi-cap (flexibility), and index funds based on your risk profile. Your portfolio is reviewed quarterly, and I proactively suggest changes when a fund underperforms or market dynamics shift.
Who this is for: Anyone who can invest ₹500 or more per month consistently for 5+ years. The longer your SIP runs, the more powerful compounding becomes. A ₹10,000 monthly SIP at 12% returns grows to approximately ₹47.5 Lakh in 15 years — turning ₹18 Lakh of investments into nearly ₹50 Lakh.
Investing without a goal is like driving without a destination. With my MBA Finance background and 7+ years of experience, I create personalized financial plans that reverse-engineer your dreams into concrete monthly numbers.
Goals I help you plan for:
✓ Retirement Planning: As a NISM Series XVII Certified Retirement Adviser, I specialize in building retirement income plans. I calculate the exact corpus needed based on your lifestyle, inflation, and retirement age, then design the SIP strategy to get there. I also advise on NPS, pension funds, and post-retirement withdrawal strategies.
✓ Child Education Fund: IIT, AIIMS, MBA abroad — education costs rise at 10-12% per year. Starting a ₹5,000/month SIP when your child is born can grow to ₹40-50 Lakh by the time they turn 18.
✓ House Down Payment: Planning to buy a house in 5-7 years? I help you accumulate the down payment through balanced fund SIPs matched to your timeline.
✓ Wealth Creation: No specific goal — just want your money to grow? I design growth portfolios with higher small-cap and mid-cap allocation for long-term wealth maximization.
✓ Emergency Fund: Every family needs 6-12 months of expenses in a liquid fund before investing in equities. I help you build this safety net first.
ELSS (Equity Linked Savings Scheme) is the smartest tax-saving instrument under Section 80C. With my finance background, I help you save maximum tax while simultaneously building wealth.
Why ELSS is the best 80C option:
✓ Shortest lock-in: Just 3 years — vs 5 years for tax FDs, 15 years for PPF
✓ Highest return potential: ELSS funds have historically delivered 12-18% CAGR over 5+ years, significantly outperforming PPF (7.1%) and tax-saving FDs (6-7%)
✓ Tax benefit: Invest up to ₹1.5 Lakh/year under 80C — saves up to ₹46,800 in taxes for the 30% bracket
✓ SIP friendly: Each SIP installment has its own 3-year lock-in, providing systematic liquidity after year 3
I analyze all 40+ ELSS funds and recommend the top 2-3 based on rolling returns, downside protection, and fund manager consistency. My ELSS picks are updated quarterly.
Already investing in mutual funds? Most investors hold 8-15 funds without realizing many overlap, underperform, or no longer match their risk profile. With my engineering analytical approach and finance expertise, I provide thorough portfolio diagnostics.
What I analyze:
✓ Fund overlap: Identifying 3-4 funds investing in the same stocks and consolidating for true diversification
✓ Performance benchmarking: Comparing each fund against its benchmark and category peers — underperformers get replaced
✓ Asset allocation: Checking if your equity-debt-gold ratio matches your age, risk tolerance, and timeline
✓ Expense optimization: Finding regular-plan funds that could be switched to lower-cost alternatives, saving 0.5-1% annually
✓ Tax-loss harvesting: Identifying opportunities to book losses to offset gains and reduce tax liability
How to get your free review: Send me your portfolio details (fund names and amounts, or CAS statement) via WhatsApp. I will prepare a detailed analysis report within 48 hours — completely free, no obligations.
With my NISM Series XIII — Common Derivatives Certification, I am among the few distributors in India qualified to advise on and distribute SIF products. Specialized Investment Funds, launched by SEBI in 2025, are designed for sophisticated investors seeking derivative-based strategies with professional management. If you have a higher risk appetite and investment experience, SIF products offer institutional-grade strategies previously available only to HNIs and FIIs.
As a NISM Series XVII — Certified Retirement Adviser, I offer comprehensive retirement planning that goes beyond basic SIP advice. This includes calculating your retirement corpus requirement, designing a withdrawal strategy (SWP), optimizing NPS allocation, creating a post-retirement income plan through balanced advantage and hybrid funds, and ensuring your money outlasts you — not the other way around. Whether you want to retire at 45 or 60, I create a roadmap with milestone tracking.
Long-term compounding over short-term trading: I believe in buying and holding quality mutual funds for 10+ years. Short-term market noise should never derail a long-term wealth creation plan. India's economy is on a multi-decade growth trajectory, and equity mutual funds are the best vehicle for retail investors to participate in this growth.
Data over emotions: My engineering background trained me to rely on data, not gut feelings. Every fund recommendation is backed by quantitative analysis — rolling returns, Sharpe ratio, downside capture, portfolio overlap, expense ratios, and fund manager track record. I never recommend a fund because "it sounds good" or "everyone is buying it."
Diversification with purpose: I build portfolios across large-cap, mid-cap, flexi-cap, debt, and index funds — but every allocation serves a specific purpose. Large-cap for stability, mid-cap for growth, flexi-cap for flexibility, and debt for capital preservation. No random fund additions, no portfolio clutter.
Transparency and honesty: If a fund I recommended starts underperforming, I will be the first to tell you and suggest a better alternative. I do not hold on to bad recommendations out of ego. Your wealth is more important than my comfort.
Founder: Vikash Royal (B.E., MBA Finance)
Firm: Pocket Wealth Investments
Registration: ARN-356458 | AMFI Registered Mutual Fund Distributor
NISM Certifications: Series VIII (Equity Derivatives), Series XIII (Common Derivatives/SIF), Series XVII (Retirement Adviser)
Regulator: Securities and Exchange Board of India (SEBI)
Platform: NSE MF Invest, BSE StAR MF
Contact: +91-86964-61746 | pocketwealthinvest@gmail.com
Office: Jaipur, Rajasthan, India
Website: pocketwealth.in
Join 200+ investors who trust Pocket Wealth Investments for their financial goals.
Pocket Wealth Investments | ARN-356458 | SEBI Registered Mutual Fund Distributor | Mutual fund investments are subject to market risks. Read all scheme related documents carefully before investing. Past performance is not indicative of future results.