With over five decades of combined experience, W2D Finverse helps individuals and families make informed investment decisions through personalised investment guidance, mutual fund solutions and relationships built for the long term.
Five decades of working across different facets of financial services, we realised that people rarely need more investment products, they need greater clarity about the choices available to them. We founded W2D Finverse to bring together our experience, perspective and passion for investor education in a relationship-led practice that puts understanding before investing and long-term thinking before short-term noise.
Nikhil Karnik, PGDM (Finance), QPFP · Partner | W2D Finverse | AMFI-registered Mutual Fund Distributor Three decades of experience. A passion for knowledge. A purpose beyond wealth. Nikhil Karnik is a Qualified Personal Finance Professional (QPFP) with over 32 years of experience in financial services. His career has encompassed wealth management, mutual fund distribution, investor education, sales and distribution, corporate finance and treasury, fixed income and merchant banking.
Harish Karnik, B. Com., PGDFM, QPFP · Partner | W2D Finverse | AMFI-registered Mutual Fund Distributor. Harish Karnik is a Qualified Personal Finance Professional (QPFP) with over 25 years of experience in banking and financial services, spanning banking, insurance, wealth management and mutual fund distribution.
We don't sell products. We build financial architectures — each pillar engineered to work with the others, so your wealth compounds quietly, your risks stay covered, and your tax liability stays optimised.
A short reflection to understand your risk appetite and ideal allocation.
Retirement, your child's future or a new home. See what it really takes.
Upload your CAMS or KFintech statement for an instant health report. Encrypted in transit, deleted on request.
Hand-built portfolios for every life stage, risk profile and ambition.
Bank and corporate FDs side-by-side, with senior citizen and monthly payouts.
Our Services
Explore a considered range of investment, protection and wealth-building services.
Mutual fund schemes across all categories from our white-listed AMCs from one dashboard.
Curated, white-listed portfolios for all investment options – lumpsum, SIPs or STPs.
Portfolio Management Services products for upping your Mutual Fund game with a minimum investment of ₹ 50 Lakh.
Own global investment leaders across Direct Equity and Mutual Funds under LRS.
High-yield FDs from partner issuers via Fixerra.
Government, PSU and corporate bonds, transparent yields.
A tax-efficient retirement corpus with the NPS.
Asset class diversification through investments in Gold, InVITs and REITs.
Every financial journey is unique. Your aspirations, investment horizon and comfort with market fluctuations shape the path you choose towards your dreams.
At W2D Finverse, our Wings 2 Dreams Curated Portfolios bring together five distinct investment approaches, each designed around a different investor risk profile and a thoughtfully structured mix of debt and equity. Whether you prefer a measured approach or are comfortable embracing greater market volatility for long-term growth potential, there is a journey that reflects your investment temperament.
For 10+ year horizons
For 5–7 year goals
For capital preservation
At W2D Finverse, we believe that the right investment journey begins with understanding you. Our curated portfolios provide a starting point for aligning your investments with your risk profile, financial circumstances and long-term aspirations.
Your dreams define the destination. Let's find the right path to pursue them.
Disclaimers: Mutual Fund investments are subject to market risks. Read all scheme-related documents carefully. Portfolio allocations and investment suitability should be assessed in light of individual circumstances, investment horizon and risk tolerance. Returns shown for the portfolio are historical returns as on date. Past performance does not guarantee future performance of any Mutual Fund Scheme.
Goal planning
Use our calculators to translate your goals into clear numbers, adjusted for inflation and time horizon.
23 years remaining · ₹ 75,000/mo lifestyle
12 years · MBA in the US
5 years · 3 BHK · ₹ 1.8 Cr
Five Decades of Perspective: with 57+ years of combined experience, the Partners bring perspectives spanning wealth management, banking, insurance, corporate finance, treasury, fixed income, merchant banking, mutual fund distribution and investor education, helping W2D Finverse view investment decisions in the context of the larger financial picture.
Nikhil Karnik, PGDM (Finance), QPFP · Partner | W2D Finverse | AMFI-registered Mutual Fund Distributor Three decades of experience. A passion for knowledge. A purpose beyond wealth. Nikhil Karnik is a Qualified Personal Finance Professional (QPFP) with over 32 years of experience in financial services. His career has encompassed wealth management, mutual fund distribution, investor education, sales and distribution, corporate finance and treasury, fixed income and merchant banking.
Harish Karnik, B. Com., PGDFM, QPFP · Partner | W2D Finverse | AMFI-registered Mutual Fund Distributor. Harish Karnik is a Qualified Personal Finance Professional (QPFP) with over 25 years of experience in banking and financial services, spanning banking, insurance, wealth management and mutual fund distribution.
Four convictions that have guided every recommendation — and that we refuse to compromise on, regardless of market mood.
We help you choose schemes that fit your goals and risk — not the ones that pay us most.
Clear disclosures, jargon-free reviews and no surprises.
We plan in decades and stay your partner through every market cycle.
A small monthly habit — compounded over decades — beats a big lump sum. Adjust the sliders and see what your discipline can buy.
A few moments we are proud of. We work for outcomes, not trophies — but it is nice to be noticed.
AMFI Distributor Excellence, by net SIP inflows.
Recognised for 96% annual client retention.
By a leading AMC, for systematic-investing growth.
Karnataka chapter, early-growth recognition.
As featured & partnered with
Individual experiences. Outcomes vary based on personal circumstances, time horizon and market conditions.
Track every investment, start or pause SIPs, review goal progress and connect with your wealth partner — all from one secure app. Built for India, with UPI Autopay and instant statements.
What do you really want from your money? Take our investor personality assessment. No email required to start.
Book a Consultation
Behind every basket, every calculator and every transaction is a real human you can call by name. We combine intelligent technology with experienced wealth partners who know your story.
