{"id":737,"date":"2017-05-13T16:55:01","date_gmt":"2017-05-13T16:55:01","guid":{"rendered":"http:\/\/blog.kuvera.in\/?p=737"},"modified":"2019-06-10T09:40:34","modified_gmt":"2019-06-10T09:40:34","slug":"personal-finance-simple","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/personal-finance-simple\/","title":{"rendered":"Kuvera: Making Personal Finance Simple"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69d7785c1baa8\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d7785c1baa8\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/personal-finance-simple\/#We_set_ourselves_a_few_goals_in_the_beginning\" title=\"We set ourselves a few goals in the beginning.\">We set ourselves a few goals in the beginning.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/personal-finance-simple\/#What_they_said\" title=\"What they said?\">What they said?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/personal-finance-simple\/#In_conclusion\" title=\"In conclusion\">In conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/personal-finance-simple\/#Making_Personal_Finance_Simple_The_product_and_technology_design_philosophy\" title=\"Making Personal Finance Simple : The\u00a0product and technology design philosophy\">Making Personal Finance Simple : The\u00a0product and technology design philosophy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/personal-finance-simple\/#Dos\" title=\"Do\u2019s\">Do\u2019s<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/personal-finance-simple\/#Donts\" title=\"Don\u2019ts\">Don\u2019ts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/personal-finance-simple\/#Personal_Finance_should_be_just_that_Personal\" title=\"Personal Finance should be just that, Personal!\">Personal Finance should be just that, Personal!<\/a><\/li><\/ul><\/nav><\/div>\n<figure id=\"attachment_803\" aria-describedby=\"caption-attachment-803\" style=\"width: 1024px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" class=\"size-large wp-image-803\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2017\/05\/PlanInvestChillv2-1-1024x512.png\" alt=\"Making Personal Finance Simple\" width=\"1024\" height=\"512\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/PlanInvestChillv2-1-1024x512.png 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/PlanInvestChillv2-1-300x150.png 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/PlanInvestChillv2-1-768x384.png 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/PlanInvestChillv2-1.png 1478w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption id=\"caption-attachment-803\" class=\"wp-caption-text\">Personal finance should be personal and simple. At Kuvera, we make it easy for you to take control of your personal finances.<\/figcaption><\/figure>\n<p>It\u2019s been just over a year since we started building Kuvera. Our vision has been to build a personal finance platform that individuals love to use and <strong>trust<\/strong>.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"We_set_ourselves_a_few_goals_in_the_beginning\"><\/span>We set ourselves a few goals in the beginning.<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ol>\n<li>Personal finance is\u00a0an intimate need of each individual and trust is of paramount importance.<\/li>\n<li>To make a difference and innovate in each segment that we enter.<\/li>\n<li>Differentiate by adding real value to our clients.<\/li>\n<\/ol>\n<p>While doing our research we delved into each segment with a microscope to identify the key frictions and hypothesized on how to eliminate them. Most importantly, we went out and spoke to a lot of individuals who are consumers of financial products. Below is a summary of the response that we received from our focus group discussions, personal interviews etc. A sort of a collective voice of the customer.<\/p>\n<p>This forms the core of our brief for us, our tech team, our sales people, our customer services team and even our vendor partners.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"What_they_said\"><\/span><strong>What they said?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<blockquote><p>I have <strong>simple financial needs<\/strong>. Investing regularly, insurance covers for life, health etc for me and my family and an occasional loan such as a home loan or a car loan. My husband and I both earn well and want to put away something regularly for the future.<\/p>\n<p>I always intend to but <strong>do not have the time<\/strong> to research options, <strong>monitor my investments<\/strong> and build a <strong>proper financial plan<\/strong>. I did try looking for a <strong>one stop solution<\/strong> both offline and online but came away disgusted with the <strong>hard selling of products<\/strong> that I didn\u2019t need or want. \u00a0Plus the <strong>poor quality of advice<\/strong> and general <strong>feeling of mistrust<\/strong> of these relationship managers, financial advisors and brokers. Their focus was on selling <strong>products not solutions<\/strong> and using all manner of <strong>financial jargon<\/strong> that served more to<a href=\"http:\/\/blog.kuvera.in\/019-5-signs-that-your-financial-advisor-is-not-working-for-your-best-interest\/\" target=\"_blank\" rel=\"noopener noreferrer\"> intimidate me.<\/a> It seemed like they disguised the simplicity of the product behind the complexities of execution. As if\u00a0to force my hand and to get me to say \u201cI can\u2019t do this without you\u201d.<\/p>\n<p>And as a result, all my savings either rot in my savings account or in a fixed deposit where they can\u2019t even match inflation. I don\u2019t have any insurance cover because I was always sold insurance as an investment option. Having heard all the horror stories of <a href=\"https:\/\/blog.kuvera.in\/category\/financial-mis-selling\/\" target=\"_blank\" rel=\"noopener noreferrer\">mis-selling<\/a>, I just avoided making any decision altogether.<\/p><\/blockquote>\n<h4><span class=\"ez-toc-section\" id=\"In_conclusion\"><\/span>In conclusion<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<blockquote><p>I try to change this status quo but give up because I need to get on with life. I\u2019d <strong>rather do things that I love<\/strong> like being there for my family and doing a great job at work. I\u2019m not happy with this situation and I know I need to do something before <strong>it\u2019s too late<\/strong>.<\/p>\n<p>Any solution that I use for meeting my personal finance needs should be easy to understand and simple to use. It should be trustworthy and unbiased, customized for me, affordable and accessible to me all the time. It shouldn\u2019t be biased or exorbitantly priced. And there should not be hidden costs and artificial barriers like minimum investment amounts, relationship size etc.<\/p><\/blockquote>\n<p>Our job was cut out, making personal finance simple!<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Making_Personal_Finance_Simple_The_product_and_technology_design_philosophy\"><\/span><strong>Making Personal Finance Simple : The\u00a0product and technology design philosophy<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>We distilled the discussion into the following do\u2019s and don\u2019t\u2019s as we set out to build Kuvera.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Dos\"><\/span><strong>Do\u2019s<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ol>\n<li>Solve for simple financial needs<\/li>\n<li>Provide Proper <a href=\"https:\/\/blog.kuvera.in\/category\/goal-based-planning\/\" target=\"_blank\" rel=\"noopener noreferrer\">Financial planning<\/a><\/li>\n<li>Provide investing and tracking capability<\/li>\n<li>Offer multiple products under one roof across segments<\/li>\n<li>Offer education and advice that is unbiased<\/li>\n<li>Anticipate and inform users about problems<\/li>\n<li>Earn, but <a href=\"http:\/\/blog.kuvera.in\/direct-plans-better\/\">transparently<\/a><\/li>\n<\/ol>\n<h4><span class=\"ez-toc-section\" id=\"Donts\"><\/span><strong>Don\u2019ts<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ol>\n<li>Don\u2019t waste time. Use technology to make on-boarding faster and transacting easy.<\/li>\n<li>Avoid\u00a0jargon. It intimidates users.<\/li>\n<li>Don\u2019t hard sell products. Build a plan and offer a solution.<\/li>\n<\/ol>\n<h4><span class=\"ez-toc-section\" id=\"Personal_Finance_should_be_just_that_Personal\"><\/span><strong>Personal Finance should be just that, Personal!<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>That\u2019s the long and short of it.<\/p>\n<p><img loading=\"lazy\" class=\"aligncenter size-large wp-image-795\" src=\"https:\/\/blog.kuvera.in\/wp-content\/uploads\/2017\/05\/HEITK-1024x184.png\" alt=\"\" width=\"1024\" height=\"184\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/HEITK-1024x184.png 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/HEITK-300x54.png 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/HEITK-768x138.png 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2017\/05\/HEITK.png 1833w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p>And of course, we are a &#8220;Highly Secure Deep Learning AI+ML Based Direct Plan Only Robo Advisory\u00a0 Platform&#8221; \ud83d\ude42<\/p>\n<p><a href=\"https:\/\/kuvera.in\/\" target=\"_blank\" rel=\"noopener noreferrer\">Kuvera.in<\/a>, India\u2019s <strong>friendliest<\/strong> investment platform is\u00a0now open for your business.<\/p>\n<p>We invite you to experience <a href=\"https:\/\/www.kuvera.in\">kuvera.in<\/a> for yourself and\u00a0take control of your financial well-being.<\/p>\n<p>#MutualFundSahiHai, #KuveraSabseSahiHai!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>It\u2019s been just over a year since we started building Kuvera. Our vision has been to build a personal finance platform that individuals love to use and trust. We set ourselves a few goals in the beginning. Personal finance is\u00a0an intimate need of each individual and trust is of paramount importance. To make a difference [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/personal-finance-simple\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":3,"featured_media":803,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[91],"tags":[92,47,43,67,119,96,19],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kuvera: Making Personal Finance Simple - Kuvera<\/title>\n<meta name=\"description\" content=\"We built kuvera by listening closely to what you said and hopefully you&#039;ll love it. 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