Sunday, 26 July 2026 · Delhi edition 91-9599812237 · Dashboard login · Subscribe free

The finding

Nine in ten families invest in products that were sold to them — not chosen by them. [source]

The lead story · Money IQ Class

You have saved for twenty years. Your money has not worked for twenty years.

By Viplav Majumdar · Financial and Life Planning Coach · Seventeen years in practice

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Above: Viplav Majumdar explains the commission leak in two minutes.

Somewhere between the bank branch and the relationship manager, a commission was quietly attached to your future. It was legal. It was disclosed, in a footnote. And over two decades it will cost you more than the fund ever made you.

The Money IQ Class does not sell you a replacement product. It teaches you to read the one you already own — the expense ratio, the surrender clause, the real return once tax and inflation have taken their share.

Three evenings. Six hours. Then you never need to take a stranger's word for it again.

Enrol in Money IQ Class {{PRICE_MIQ}} · lifetime access · starts immediately

On the wire

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The investigation

Three leaks in the average salaried portfolio

Reported across seventeen years of one-to-one planning with corporate professionals and bankers.

Leak one

The commission

A regular plan shaves a percentage point off your return every single year. Over twenty years that compounding difference is not a rounding error — it is a car, a wedding, or two years of retirement.

Leak two

The single income

One salary, one employer, one appraisal cycle. No alternate pension being built alongside it. The plan is to work until fifty-eight and hope the corpus behaves.

Leak three

The wrong instrument

Insurance bought as investment. Fixed deposits that lose to inflation the moment tax is applied. Products chosen for the seller's target, not the buyer's goal.

The correspondent

Viplav Majumdar — replace with cut-out portrait

Viplav Majumdar

Financial and Life Planning Coach · ET Inspiring Leaders awardee · Founder, Planyourworld

Creator of one of the fastest income-creation methods in the world. For the wealthy, his work adds zeros to a net worth. For the middle class it is something less glamorous and far more important — a child who gets a better education, a better settlement, and a retirement with dignity.

17+Years in practice

{{CFP_COUNT}}CFPs produced

{{BANKER_COUNT}}Bankers trained

The method · what six hours actually covers

Three evenings, and a different relationship with your money

Evening one · two hours

Read any product like a planner

Expense ratio, surrender value, real return after tax and inflation. Open your own statements and find the leak in what you already own.

Evening two · two hours

Direct versus regular, decoded

The maturity gap calculated live on your numbers, plus how to switch without triggering an avoidable tax event.

Evening three · two hours

Building the alternate salary

The withdrawal blueprint that let a forty-three-year-old create a pension that does not depend on an employer.

Everything included in the Money Wise Blueprint

Money IQ Class — full recorded programme
E-book: replace your salary with an alternate pension
Live session with the Planyourworld team
Twenty-five exclusive planning calculators
Self Wealth Test and personal report
Eligibility for the Freedom Planner programme

The editions · choose your level

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Money Wise Blueprint

Money IQ recorded, the e-book, and a live session with the team.

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Freedom Planner

Start managing your own money in ten hours. Money IQ participants only.

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CFP® certification

The gold standard in personal financial planning, for career advisors.

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The numbers desk

Run your own numbers before you spend a rupee with us

Free. No signup for the basics.

Direct vs regular MFThe commission gap at maturity

Retirement corpusThe number you actually need

SWP incomeYour alternate monthly salary

FD after taxReal return once inflation bites

Child education SIPMonthly amount for the goal

Marriage fundInflation-adjusted target

Home and car EMITrue cost of the loan

PPF, PF, NSC, KVPPost-tax, post-inflation wealth

All twenty-five tools →

The archive · watch before you buy

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What is your Money IQ?

Take the free two-minute Self Wealth Test and receive your personal report.

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The readers' desk

I have created my pension at 43.
I did not know the concepts they use. I have created my pension at forty-three. Thanks to them.
Vishwajeet Sinha · Self employed

I wish I could have got this twenty years back.
It gave me the real solution to my problem. My son has also taken this programme.
S. Shukla · Self employed

First time I heard about this I could not believe it, but I gave them a chance. Slow start for me, and I am now eighty per cent of the way there. I trust Viplav — he is really a genius.

Praveen S. Kumar National Head, hardware industry

A great analytical solution for wealth creation and a clear path to financial freedom. Viplav sir has a clear concept and mindset, and the ability to deliver on an individual's goal.

Kaushik Participant

I heard about Planyourworld on Facebook and joined. I want to achieve financial freedom as soon as possible with the help of the team, and I learn something new in every session.

Bharpur Singh Project Manager, Infosys

The press room

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We earn nothing from your investments

No commission, no fund pushing, no insurance targets. Our only revenue is the fee you pay us. That is the whole point.

Six hours against twenty years

The cost of not knowing compounds every month you wait.

Refund policy, published

Questions from readers

Will you sell me a mutual fund or an insurance policy?

No. We are a training academy, not a distributor. We earn nothing from what you invest in — which is precisely why we can tell you what a commission-earning advisor cannot.

I already have a financial advisor. Why would I need this?

I am fifty. Is it too late for me?

I have no finance background. Will I be able to follow it?

How much time does it take, and is everything recorded?

What is the difference between Money IQ and Freedom Planner?

Is my payment secure, and what is the refund process?

From the editor

Your next twenty years of savings are already being decided.

Six hours from now you will either know exactly where your money is leaking, or you will not. Nothing else about your salary, your age, or your risk appetite changes that.

Enrol in Money IQ Class Or call 91-9599812237 · WhatsApp available · Dashboard login for existing participants

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