Sanjay Tiwari
Sanjay Tiwari founded True Investment Services with a clear fiduciary commitment: providing investors and families with disciplined, mathematical wealth guidance. Having begun his professional journey in 2006, Sanjay holds over 20 years of trusted expertise across mutual funds and served 1,500+ investors across India.
From LIC in 2006 to ₹200+ Cr Wealth Practice
Sanjay Tiwari began his professional financial journey in 2006 with the Life Insurance Corporation of India (LIC), learning the foundational importance of risk management, family financial protection, and conservative capital preservation.
Recognizing that long-term inflation requires compounding wealth creation, he expanded into Mutual Fund distribution in 2008. Over the next decade, through bull and bear market cycles, he assisted retail and business families with steady patience, earning the prestigious Certified Financial Planner (CFP) designation.
Today, as Senior Partner of True Investment Services, Sanjay leads a team managing over ₹200+ Crore in investor assets across Mutual Funds, Portfolio Management Services (PMS), and Specialised Investment Funds (SIF/AIF) for 1,500+ investors across India.
"Wealth creation is not about forecasting the unpredictable — it is about asset allocation, staying disciplined through market cycles, and having a clear purpose for every single rupee you invest."
— Sanjay Tiwari, CFPKey Career Milestones
Financial Services Inception
Began financial practice with LIC, focusing on family protection.
Mutual Fund Expansion
Expanded into AMFI-regulated mutual funds to drive wealth compounding.
True Investment Services
Formed partnership firm with AMFI Registration (ARN-281405).
₹100+ Cr AUM
Crossed ₹100+ Cr AUM.
APMI PMS Registration
Registered as APMI PMS Distributor (APRN08615) for HNI portfolios.
₹200+ Cr AUM
Crossed ₹200+ Cr AUM.
Areas of Financial Specialization
Goal-Based Retirement Architecture
Constructing inflation-adjusted retirement corpus models and predictable post-retirement SWP cash flow streams.
HNI Portfolio Management (PMS)
Curating concentrated 15–25 stock portfolios managed by institutional fund houses for targeted market alpha.
Specialised Investment Funds (SIF/AIF)
Guiding accredited investors on alternative asset classes, private credit, and long-short strategies.
Multi-Asset Allocation & Rebalancing
Balancing equity, debt, and hybrid assets across market cycles to optimize risk-adjusted returns.
Family Risk & Contingency Planning
Assessing adequate health coverage, term insurance, emergency liquidity reserves, and capital protection.
Tax-Efficient Capital Compounding
Navigating capital gains tax schedules (LTCG / STCG), tax-harvesting strategies, and audited reporting.
Schedule a 1-on-1 Portfolio Review with Sanjay Tiwari (CFP)
Whether you are planning for a comfortable retirement, evaluating HNI PMS strategies, or looking to restructure your existing mutual fund portfolio, get objective, conflict-free guidance directly from our founder.