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Invest Smart Build Wealth

Retire Early | Live Free
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Jump Start your Wealth Building with N&R

Investment Strategies

We Make Your Money Work for You
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Financial Freedom made achievable with time tested ideas that never fail....

FUND YOUR FUTURE

What ever your Future entails, we can get you there. Start today.
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We will find the right Investment Amount to reach your Life Dreams. No matter what Age you are or what Wealth situation you are in...

Educational Savings Plans

A Jump Start on Your Childs Future
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We will make sure the 'Right Foundation' as to College Education is available to your child - when they need it!

2X - MONTHLY INCOME FROM YOUR LONG TERM ASSETS

Innovative Strategies for Balanced Growth

Have you locked all your investments in long-term Growth Assets like PMS/Shares/Mutual Funds/Fixed Deposits?

No Monthly Cash Flows?

Strategies for Additional Passive Monthly Incomes from your Shares | Mutual Fund | Bond Portfolios.

Don’t IGNORE SHORT-TERM Liquidity.

ALL EGGES IN ONE BASKET CAN DESTROY YOUR WEALTH SUDDENLY

DIVERSIFY ASSETS AND STRATEGIES

Have you locked all your investments in ONE Strategy | ONE Asset Class | ONE Income Source | One Fund Manager

Protect yourself from Catastrophic Events. Have a Risk Plan.

Don’t IGNORE DIVERSIFICATION!

ONE INCOME NOT ENOUGH FOR CURRENT EXPENSES | LIFESTYLE & CREATING WEALTH

BUILD MULTIPLE CASH FLOWS FOR ACCELERATING WEALTH

Are you PUNISHING your family & yourself by REFUSING the LIFE they DESERVE?

One income can fall short.

Don’t IGNORE PASSIVE INCOME CASHFLOWS!

TRADITIONAL INVESTMENT ASSETS MIGHT STEAL YOUR LUXURIOUS RETIREMENT

SAFE & HIGH RETURNS FROM MULTI-ASSET ALLOCATIONS

TRADITIONAL assets like Fixed Deposits force you to compromise your Retirement Lifestyle.

The economics of India has changed – Do you know about other safe investments?

Don’t IGNORE SAFE HIGH RETURN OPPORTUNITIES!

Assured Income Assets

When you plan for life's important events like Child's College funds, your dream Home or a comfortable Retirement - you cannot wait for better economic cycles to cash these assets

Personalised Wealth Plans

You are Unique, your circumstances are Unique, so your Plan is Unique - Robo-Smallcases wont work! Curated Asset Plans with unique accelerators for Maximum Wealth Boost!

Income Converts to Wealth

Your income might never make you wealthy. Wealth always produces Passive Cash Flows! Your Money should Work even when you Sleep. Building Assets that make you Financially Free!

Wealth Needs Protection

Taxes, Inflation & Economic Cycles destroy your wealth. Advanced Strategies in Tax Planning, Hedging and close Monitoring can Boost your Wealth upto 2X over 20-25 years.

Wealth for Generations

Estate Planning ensures Smooth Transfer of Wealth to your Children & Grand Children. Preventing Financial, Legal & Emotional Grief to loved ones.

About Us

Niel & Ray brings together Ideas, Innovation and People to help HNI, Ultra HNI and Family Offices achieve their Financial Dreams. You will always find Niel & Ray 'Accelerate' your Wealth Creation journey...

Expert Domain Knowledge

Our Team brings years of Wealth Management Experience needed to understand what you need to know

Innovation in our Strategies

Your Financial Situation is Unique. You need 'Out-of-the-Box' solutions for reaching your Financial Goals

Trust Mantra - 'Safety First'

We offer strategies that will help you to 'Accelerate Wealth Creation' - but will never ignore 'Risk Management'

I was referred to Sanjay and his team at Niel & Ray through friends who were very pleased with them and I certainly would highly recommend them. Sanjay has been exceptionally helpful and knowledgeable and the personal contact from both him and his team has meant a lot to me as I did not have that with my previous advisor. I am very happy to have found this awesome team and I feel confident entrusting them with my portfolio. Thanks Sanjay and team!

Harsheel Shah
VP Industry Sales at MNC Software Company

My husband and I have been with Niel & Ray since 2020. We have been with Sanjay and the team all through COVID. We have been very satisfied with Sanjay's strategies, specially PANDA 2X, insightfulness, and compassion over the years. We are now set on a path of Financial Freedom within the next 8 years. We would recommend this team to anyone.

Sheila Swaminathan
Homemaker turned Investor

CA Sanjay has been my financial planner since 2020. During COVID, I lost a substantial portion of my wealth & savings as my business shut down. Sanjay traveled this difficult path together and rebuilt a new plan for my remaining working years. I am currently 52. I love how he has constantly reassessed my needs and goals. His attention to detail is so very apparent as he (we) question my comfort levels as my lifestyle and position change. I can say with certainty that I would not have been able to recover at 52 if Sanjay had not been navigating through the economics of life with me. That has allowed me to refer colleagues, friends, and family to Sanjay and his team. I look like a hero as every one of them has come back to me within days and weeks of beginning their relationship with Sanjay and thanked me.

Vishal Mehta
Businessman and Investor

I am 26, but CA Sanjay made me realize the importance to be financially secure and not dependent on others. Niel & Ray's team have taught me the power of 'COMPOUNDING'. Today I have a 12-month Emergency Fund that is liquid and also earns 12% pa. I was attracted to the approach of Investment Strategies by age. Thanks CA Sanjay.

Rahul Somani
Young Corporate Lawyer
  • * General Disclaimers

    The information contained herein is for educational purposes only and should not be construed as financial, legal or tax advice. Circumstances may change over time so it may be appropriate to evaluate strategy with the assistance of a financial professional.

  • ** SEBI Disclosures

    SEBI & other applicable laws & regulations are complex & subject to change. Laws of a particular state or central laws that may be applicable to a particular situation may have an impact on the applicability, accuracy, or completeness of the information provided. Niel & Ray does not have information related to and does not review or verify particular financial or tax situations, and is not liable for use of, or any position taken in reliance on, such information. Investing involves risk, including the possible loss of principal & fluctuation of value.

  • *** Equity & Mutual Fund Disclosures

    Equity Market investments are subject to market risks, conduct fundamental & technical analysis on scripts or read all Equity or Fund or scheme related documents carefully before investing. The Equity prices or Mutual Fund NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of future performance of the schemes. The Mutual Fund is not guaranteeing or assuring any dividend under any of the schemes and the same is subject to the availability and adequacy of distributable surplus. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme. All past performances are for educational purposes. No promise or guarantee of Assured or Risk-free returns are made herewith.

  • **** Disclaimer Regarding Certificates

    Registration granted by SEBI, membership of BASL (in case of IAs) and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.