Discover your
Money Avatar
Unlock the secrets of financial Success!
CURIOUS ABOUT YOUR MONEY AVATAR?
It only takes 10 minutes to get insights that can change your financial future.
Why Knowing your Money Avatar matters?
01
Decode Your Money Triggers
Uncover the emotions and mental shortcuts that silently shape your financial habits.
02
Bridge the Knowing–Doing Gap
Turn self-awareness into action by understanding what drives — or delays — your decisions.
03
Get a Personalized Game Plan
Receive tailored insights and a gamified action plan to make progress feel easy and engaging.
04
Make Money Choices That Feel Right
Align your financial decisions with who you are and what truly matters to you.
Which Money Avatar are You?
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I am,
Fire Elephant!
- Hopeful
- Futue Oriented
- Promotion Oriented
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I am,
Fire Elephant!
- Grounded
- Futue Oriented
- Prevention Oriented
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I am,
Fire Horse!
- Hopeful
- Present Oriented
- Prevention Oriented
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I am,
Ice Horse!
- Grounded
- Present Oriented
- Prevention Oriented
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I am,
Fire Wolf!
- Hopeful
- Futue Oriented
- Prevention Oriented
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I am,
Ice Wolf!
- Grounded
- Futue Oriented
- Promotion Oriented
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I am,
Fire Bull!
- Hopeful
- Present Oriented
- Promotion Oriented
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I am,
Ice Bull!
- Grounded
- Present Oriented
- Prevention Oriented
The Brains Behind the Framework
Money Avatar is powered by Syntoniq, a pioneer in behavioral finance technology. Founded by Prasad Ramani, Syntoniq blends cutting-edge research in decision science with engaging tech to decode the psychology behind money choices. Their acclaimed tools are trusted by leading financial institutions in India and globally.
This framework is the result of a powerful collaboration between PGIM India Asset Management Private limited and Syntoniq. Led by Ajit Menon (Senior Advisor), Abhishek Tiwari (CEO), and Dr. Sagneet Kaur (SVP Behavioral Finance & Consumer Insights), the initiative brings together deep domain expertise and behavioral insight to help individuals make smarter, more mindful financial decisions.
This framework is the result of a powerful collaboration between PGIM India Asset Management Private limited and Syntoniq. Led by Ajit Menon (Senior Advisor), Abhishek Tiwari (CEO), and Dr. Sagneet Kaur (SVP Behavioral Finance & Consumer Insights), the initiative brings together deep domain expertise and behavioral insight to help individuals make smarter, more mindful financial decisions.
Until you make the unconscious conscious, it will rule your life—and you’ll call it fate. MoneyAvatar uncovers your unconscious money patterns so you can take charge of your financial future.
Prasad Ramani
Founder & Managing Director,
Syntoniq
Syntoniq
This marks a shift from product-pushing to people-first advice. MoneyAvatar helps advisors understand the person behind the portfolio—reducing financial anxiety and building lasting confidence.
Ajit Menon
Senior Advisor,
PGIM India Asset Management Private Limited
PGIM India Asset Management Private Limited
MoneyAvatar isn’t just a tool—it’s a trust-builder. It helps advisors spark deeper conversations, tailor advice to real needs, and create more meaningful client relationships.
Abhishek Tiwari
CEO,
PGIM India Asset Management Private Limited
PGIM India Asset Management Private Limited
Money decisions aren’t just math—they’re driven by mindsets, emotions, and deep cognitive patterns. MoneyAvatar helps close the gap between intention and action, enabling smarter decisions with clarity—not impulse.
Dr. Sagneet Kaur
SVP Behavioral Finance & Consumer Insights, PGIM India Asset Management Private Limited
What others are saying?
This was the first time I saw my financial behavior mapped to my personality. It made me realize I’m more present-focused than I thought. Super insightful!
Aditya Rao
Business Analyst
The persona I got was spot on. It made the report fun to read and easy to share with my advisor. We had the most honest conversation we’ve ever had.
Meenal Jain
Architect
I’ve taken financial literacy quizzes before, but this was different. It showed me how my optimism affects my investment choices—and where I need to be more grounded.
Siddharth Bhatia
Entrepreneur
I didn’t expect a financial tool to feel so personal. The Money Avatar helped me understand why I keep avoiding savings—and now I’m finally taking action.
Ritika Malhotra
Freelance Writer
Quick, engaging, and surprisingly accurate. I now understand why I procrastinate on saving. The action plan gave me simple steps to start changing that.
Tanya Verma
UX Designer
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Disclaimers
The information provided on this platform, including survey insights, articles, solutions, calculators, and retirement fund details, is for informational purposes only and should not be considered as a financial advice. Investors are strongly encouraged to consult their financial advisor to determine if any product or solution mentioned is suitable for their unique needs and circumstances.
Retirement planning is highly individualized, and results may vary based on personal factors. Any projections or calculations provided are based on assumptions and are intended as general guidance; they may not reflect actual outcomes. It is essential to seek professional advice for personalized financial planning.
While we aim to provide accurate and up-to-date information, we do not guarantee its completeness or accuracy as details may change over time. Additionally, references to third-party services or products are for informational purposes only and do not constitute endorsements. We recommend conducting thorough research before making any financial decisions.
Always prioritize professional consultation and informed decision-making when planning for your retirement
Retirement planning is highly individualized, and results may vary based on personal factors. Any projections or calculations provided are based on assumptions and are intended as general guidance; they may not reflect actual outcomes. It is essential to seek professional advice for personalized financial planning.
While we aim to provide accurate and up-to-date information, we do not guarantee its completeness or accuracy as details may change over time. Additionally, references to third-party services or products are for informational purposes only and do not constitute endorsements. We recommend conducting thorough research before making any financial decisions.
Always prioritize professional consultation and informed decision-making when planning for your retirement
© PGIM India Asset Management Private Limited
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