Vikas Anand: Building a Legacy of Trust through Disciplined Investment Planning

India’s investment landscape has undergone a significant transformation as investors increasingly move beyond traditional savings toward structured, goal-oriented wealth creation.

Greater financial awareness, expanding participation in mutual funds and systematic investment plans, and the growing accessibility of digital investment platforms have made professional financial guidance increasingly relevant.

Yet, amid an abundance of products and information, effective investment planning continues to depend on something technology alone cannot provide - an understanding of an individual’s aspirations, responsibilities, risk tolerance, and long-term priorities.

It is within this evolving environment that Vikas Anand, Founder of VMYK Wealth Pvt. Ltd., has built a financial advisory practice rooted in trust, discipline, and enduring client relationships.

With more than 25 years of association with the financial services industry, Vikas began his entrepreneurial journey in 2001 with an ambition that extended beyond distributing financial products. His objective was to become a dependable financial partner to families throughout different stages of their lives.

Today, VMYK Wealth serves more than 5000 clients across India, along with several NRI investors, supporting requirements ranging from initial investments and children’s education to retirement, estate planning, wealth creation, and intergenerational wealth transfer.

Planning Around People, Not Products

At the heart of Vikas Anand’s advisory philosophy is a simple conviction: people invest in trust before they invest in products. This principle shapes the firm’s approach to every client relationship. Rather than beginning with an investment instrument, VMYK Wealth starts by understanding the individual.

Income, liabilities, family responsibilities, lifestyle expectations, existing investments, and future aspirations are considered before a financial roadmap is developed. Particular attention is also paid to risk behavior, since an investor’s stated willingness to accept risk may differ considerably from their actual response during volatile markets.

These insights enable the firm to construct diversified, goal-oriented portfolios using suitable avenues such as mutual funds, SIPs, bonds, fixed deposits, NPS, PMS and insurance solutions, alongside retirement and estate planning.

Importantly, the process does not conclude once investments are made. Portfolios are reviewed regularly and strategies are adjusted as clients progress through different life stages. This continuing engagement allows financial plans to evolve with changing responsibilities and aspirations rather than remaining static.

Vikas Anand intends to deepen VMYK Wealth’s digital and AI-enabled capabilities while expanding financial education initiatives

Vikas Anand, Founder

Discipline, Protection and Confidence

Vikas Anand believes sustainable wealth is rarely the result of successfully predicting short-term market movements. Instead, it is created through patience, consistency, diversification, and informed decision-making. This philosophy is encapsulated in VMYK Wealth’s motto, “Make Savings a Habit, Rather Than a Chance.”

The firm’s investment approach rests on balancing three priorities - capital preservation, wealth creation, and financial protection. Growth oriented investments are therefore considered alongside insurance and retirement requirements to create a more comprehensive financial strategy.

“This philosophy becomes particularly important during periods of market volatility. Rather than allowing uncertainty to dictate investor behavior, I and my team proactively engage with clients, explaining market developments and reinforcing the rationale behind their long-term plans. Diversification across suitable asset classes further helps clients manage portfolio risk without abandoning their objectives”, speaks Vikas Anand, Founder.

For Vikas Anand, this is an essential dimension of advisory. Managing investments is important, but helping investors maintain confidence and discipline through different market cycles can be equally valuable.

Combining Digital Convenience with Human Advisory

As technology reshapes financial services, VMYK Wealth has embraced digital tools while retaining the personal interaction on which the business was built. Through its dedicated website and mobile application, clients can invest online, monitor portfolios and SIPs, review mutual fund holdings, insurance policies and fixed deposits, and track progress toward financial goals.

“The firm is also integrating AI-enabled capabilities to improve access to relevant financial information and enhance the overall client experience. We, however, view technology as an enabler rather than a replacement for personalized advice”, adds Vikas Anand.

Supporting the digital infrastructure is a dedicat­ed team of 10–15 professionals handling investment assistance, policy servicing, renewal reminders, and ongoing client requirements. Insurance renewals, for instance, are personally followed up through calls, reflecting the firm’s emphasis on combining digital efficiency with human accountability.

This hybrid ap­proach positions VMYK Wealth to serve increasingly technology-oriented investors without compromis­ing the relationship-driven advisory model that has defined its journey.

Carrying a Trusted Legacy into the Future

Looking ahead, Vikas Anand intends to deepen VMYK Wealth’s digital and AI-enabled capabilities while expanding financial education initiatives. Financial literacy remains a particular priority, with the firm seeking to encourage younger investors to begin early, understand compounding, and adopt disciplined financial habits rather than postpone financial planning.

The potential entry of the next generation into the business is also expected to bring new technological perspectives while preserving the values that have shaped the organization for more than two decades. Being recognised with ‘ToT qualifier in Life Insurance’ - the highest achievement in insurance industry, for Vikas Anand, sustainable expansion will depend on successfully combining experience with innovation without losing sight of integrity, transparency, and personalized service. His longer-term ambition is to establish VMYK Wealth among India’s most trusted financial advisory organizations.

As investment choices become more sophisticat­ed and technology assumes a larger role in financial decision-making, Vikas Anand remains anchored to a principle that has guided his career from the be­ginning: lasting financial advisory relationships are built not around transactions, but around trust, dis­ciplined planning, and a genuine commitment to helping families secure their financial futures.