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3P Wealth System
The Inverika Method
The 3P Wealth System.
Protect. Prepare. Prosper.
A structured, sequential framework that ensures every client's financial life is built on the right foundation — before any market investment is made.
01
Step One — Non-NegotiableProtect
Before a single rupee is invested in markets, your family must be protected from financial catastrophe. Adequate life cover and health insurance are not optional add-ons — they are the bedrock on which all wealth creation rests.
- → Term life insurance sized to 10–15× your annual income
- → Family health insurance — minimum ₹10 lakh cover
- → Critical illness rider — income replacement on serious illness
- → Personal accident cover for income protection
- → Annual review as income and liabilities grow
02
Step Two — Non-NegotiablePrepare
Life is unpredictable. A job loss, a medical emergency, a business downturn — any of these can force you to redeem your long-term investments at the worst possible moment. An emergency fund prevents this from ever happening.
- → 6 months expenses for salaried professionals
- → 12 months expenses for business owners & self-employed
- → Deployed in liquid / low-duration mutual funds
- → Earns significantly more than a savings bank account
- → Available on demand — no lock-in, no penalties
- → Doubles as firepower to deploy on market Red Days
03
Step Three — Where Wealth BeginsProsper
With protection in place and liquidity secured, your equity investments can now work with full conviction — compounding without fear. The Prosper layer is structured across two distinct portfolios.
- → Foundation Portfolio - permanent, goal-linked, built on the AAA Framework. Never interrupted.
- → Opportunity Portfolio - optional, surplus-funded, thematic. Never mixed with goal money.
- → Monthly SIPs aligned to specific goals
- → Lumpsum deployed via disciplined weekly STP
- → Quarterly portfolio reviews and goal-tracking
Mutual Fund investments are subject to market risk. Please read all scheme-related documents carefully before investing. Past performance is not indicative of future returns. Inverika Capital (ARN-180897) is an AMFI-registered Mutual Fund Distributor.
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