20/05/2026
Last quarter, I asked 137 clients one question:
"If you died tomorrow, would your spouse know where your money is?"
The answers disturbed me.
89 said no.
23 said "kind of."
Only 25 said Yes and half were guessing.
These aren't careless people.
Doctors, founders, senior executives, government officers.
Portfolios from ₹20 lakh to ₹5 crore.
And their spouses don't know:
→ Which mutual funds they own
→ Which bank their dividends go to
→ Whether they have an EPF account
→ Where the physical documents are
→ Whether nominees are even updated
Bhai, hum portfolio toh banate hain. Wealth toh create karte hain.
But we forget the most basic thing —
"Wealth that can't be found is wealth that doesn't exist."
The Indian middle class has a strange relationship with money at home.
Husband manages "investments."
Wife manages "household."
Nobody talks about what happens if one isn't around.
We treat death like it's optional.
It's not.
A 41-year-old IT Senior Executive in Lucknow. Died by Heart attack, no warning, 2023.
His wife took 14 months to locate his investments.
8 folios had outdated nominees from before marriage.
Some money is still stuck in legal process today.
Excellent at building wealth. Terrible at making it findable.
Here's what I now make every client do and what I'm asking you to do this weekend:
1. One Google Doc. Title it "If Something Happens."
2. List every investment, folio, demat, insurance, EPF, PPF, FD.
3. Add the contact person for each (advisor, broker, bank manager).
4. Share it with spouse, parent, or sibling.
5. Update nominees — TODAY, not "next weekend."
45 minutes of discomfort for a lifetime of dignity for your family.
The most loving financial act is not creating wealth.
It's making sure the people you love can actually use it when you're gone.
Honest question does your spouse or parent know where your investments are? Just yes or no.
AMFI Registered Mutual Fund Distributor | V6 Arthgyan LLP {ARN-167996} | Serving 4000+ clients