two incomes. no plan.
Combined CTC north of ₹50L. A joint account that’s mostly used for groceries and weekends. We help you map joint goals (apartment, sabbatical, kids someday, parents’ care) and split the SIPs tax-efficiently across two PANs.
six conversations we’ve had before.
These come up in nearly every DINK Couples call. We’ve seen them. We have answers.
Whose name on what
Apartment in joint, SIPs in one PAN, insurance in another, ELSS in both. There’s a tax-efficient way to structure this. Most couples wing it.
The kids conversation
Goal-based corpus for "kids someday." If yes, education + healthcare. If no, longer FIRE horizon. Each path leads to different fund choices today.
Parent care
Both sets of parents likely uninsured or under-insured. Health top-ups for them, term-cover gaps, will planning. The conversation no one starts.
The sabbatical question
Either one of you wanting to take 6-12 months off. We size the cash buffer + SWP plan that makes it actually possible without panic.
Apartment downpayment
Saving ₹1.5Cr for downpayment in 5 years. Equity? Debt? Hybrid? Real math, not generic advice.
Joint emergency fund
6 months of combined expenses in liquid funds. Most couples have it spread across 4 savings accounts earning 3.5%. Fixable in one meeting.
where we’d start.
The actual recommendations vary by what you have today. This is the general posture for someone in your situation.
mutual funds
Joint goal-mapping: apartment (5-7 yr), sabbatical (3-5 yr), parents’ care (immediate), retirement (25 yr). Each gets its own SIP. explore mutual funds →
insurance
Term cover sized to combined liabilities. Family floater health with super top-up. Parents’ senior-citizen health policy. explore insurance →
stocks
After foundation is in place — direct equity for the longer-horizon corpus. Sector diversification across both your industries. explore stocks →
beyond the basics. specifically for you.
a joint retirement plan, not two separate ones
Two incomes, often two pension corpuses, often two SIPs running independently. We build ONE joint plan with co-ordinated SIPs, mirrored NPS, and a shared glide path. Saves duplication, optimises tax.
mirrored wills that protect each other
Two parallel wills that name each other as primary beneficiary, with a fall-back to family. Plus nominees, MFCentral access for both. The conversation most couples never have.
new funds, screened before they reach you
Two incomes means AMCs will pitch you every shiny new launch. Our NFO desk shows what's actually open — live from AMFI — with the honest filter: new doesn't mean better, and we'll say "skip it" freely.
questions, answered.
If yours isn't here, ask Archita on the call. We answer in plain English.
Both incomes, no kids — should we just YOLO and spend it?
The boring answer: invest 30-40% of joint income, spend the rest however. The window between marriage and parenthood (if you choose it) is when compounding has the longest runway — saving aggressively for 7-10 years now is worth more than 25 years of savings starting later. Boring compounds louder than YOLO.
Joint SIPs or separate?
Separate folios per person for personal goals (each spouse's retirement). Joint folio for shared goals (apartment downpayment, vacation fund). Three folio structure. The split simplifies divorce, succession, and tax in dual-income households. We set it up properly the first time.
Term insurance for both partners — or just for the higher earner?
Both. Even if one earns more, the other earner has financial dependents (often parents) and contributes to the joint goals. Sum-insured is sized by individual HLV. We've seen too many cases where the lower-earner spouse died, and the family discovered they had no cover at all.
We're saving for an apartment — how much in equity vs FD?
Depends on timeline. 1-2 years away: 100% in liquid/ultra-short debt funds. 3-5 years: 30-40% equity, rest debt. 5+ years: 60-70% equity. Equity volatility evens out over 5+ years but can wreck a 2-year buy plan. We pick by your buying horizon, not by your age.
Should we get health insurance from both employers AND a personal one?
Always have a personal family floater on top of employer cover. Employer policies lapse the day you switch jobs or both partners change roles — and in a DINK household with no kids on the policy, pre-existing conditions you develop in the gap year become uninsurable. ₹15-25L family floater on top of employer is the standard.
Parent care — when should we start planning for it?
Start at 35 (your parents are 60-65). Senior health insurance gets harder to buy and expensive after 65. Liquid emergency fund for one parent's hospitalisation event (₹5-10L). And the awkward but important conversation: who covers what, who's the primary, and what your parents' own corpus looks like.
let’s talk about your situation.
A 15-minute call. We’ll tailor the plan to your exact stage and circumstances.
got it. archita will call you.
Usually within 12 minutes during Mumbai work hours.
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