Designing RingMoney: A Mutual Fund Investment UX Case Study
Simplifying mutual fund investing through goal-based UX, SIP management, and portfolio analytics.
Project Overview 📋
Ring Money is a fintech investment platform designed to simplify mutual fund investing for users of all experience levels. The objective was to create a secure and intuitive experience where users could discover funds, start SIPs, track portfolios, and make informed financial decisions without feeling overwhelmed.
Investing shouldn’t feel intimidating. The goal was to make financial decisions simple, guided, and trustworthy.
My Role 👩💻
- UX Research
- Information Architecture
- User Flow
- Wireframing
- UI Design
- Prototyping
- Design System
The Challenge 🚧
Many first-time investors hesitate to invest because financial products often feel confusing and difficult to understand. Existing platforms focus heavily on data but provide very little guidance during decision-making.
Get Palak Varshney’s stories in your inbox
Join Medium for free to get updates from this writer.
The main challenges were :
- Complex onboarding and fund comparison
- Limited financial awareness for beginners
- Lack of personalized recommendations
- Inconsistent investment journey
- Low trust during transactions
The Solution💡
The solution was to design a guided investment experience that reduces cognitive load while helping users make informed decisions. Ring Money combines portfolio analytics, goal-based investing, SIP planning, and real-time market insights into one seamless ecosystem.
Key features :
- Goal-based mutual fund discovery
- SIP & Lump Sum investing
- Portfolio performance tracking
- Live market insights
- Secure paperless investment flow
My Role 👩🏻💻
I was responsible for the end-to-end product design process.
- UX Research
- Information Architecture
- User Flow
- Wireframing
- UI Design
- Prototyping
- Design System
Design Process ⚙️
Every design decision followed a structured product design workflow- from understanding user problems to validating the final interface.
Every interaction was designed to reduce cognitive load and help users move from discovery to investment with confidence.
User Flow 🔀
Before designing the interface, I mapped the complete investment journey to ensure every action had a clear path and minimal friction.
Design System🧩
The visual language was built around trust, simplicity, and readability. A clean typography system and a minimal color palette help financial information remain easy to scan.
Wireframes 📝
Low-fidelity wireframes helped validate layout hierarchy before moving into visual design. The focus was on reducing cognitive load and making important financial information immediately visible.
Final User Interface 🎨
The final interface brings together discovery, investment, and portfolio management into one cohesive experience with a clean visual hierarchy and intuitive navigation.
Screen Overview 📱
The following screens showcase the core experience of Ring Money, covering investment discovery, curated mutual funds, and portfolio management. The interface was designed with a strong focus on clarity, trust, and effortless financial decision-making.
The home screen was designed to give users a complete snapshot of their investments, market trends, and financial goals in one place.
The Invest screen helps users discover the right mutual funds through curated categories, performance insights, and goal-based investment options.
A complete overview of investments, returns, portfolio allocation, and financial goals in one place.
Splash Screen & Login / Onboarding 🚀
The onboarding experience introduces users to RingMoney’s investment ecosystem through a clean and engaging flow. It highlights the app’s core value proposition, builds trust, and allows users to begin their journey securely using their mobile number.
What this flow covers ✨
- Splash Screen : Introduces the RingMoney brand with a modern financial identity and creates a strong first impression before entering the app.
- Onboarding + Login : A 3-screen onboarding carousel showcases RingMoney’s core investment features, wealth-building benefits, and goal-based investing experience. While the content changes through the slider, the mobile number login section remains static, allowing users to explore the product and continue seamlessly from the same screen.
- Seamless Authentication : Users can enter their mobile number at any point during onboarding, reducing friction and eliminating the need for a separate login screen.
- User-Centric UX : Merging onboarding and login into one continuous experience helps users understand the product before signing in, creating a faster, more intuitive onboarding journey.
Rings & Goal-Based Investment Flow 💜
This flow allows users to explore curated Rings, set a financial goal, configure a SIP or lumpsum investment, and complete the investment journey with a clear, guided experience.
Key features covered in this flow :
- Explore Rings : Browse curated investment bundles with detailed mutual fund allocation and expected returns.
- Goal Planning : Create a personalized goal by entering the desired amount and investment duration.
- Flexible Investment : Choose between Monthly SIP or Lumpsum and set the investment amount with annual SIP top-up.
- Smart Portfolio Selection : Review selected mutual funds, portfolio distribution, and proceed to invest with confidence.
From discovering the right investment strategy to completing a goal-based SIP, the entire flow is designed to make investing simple, personalized, and transparent.
Goal Tracking, Fund Management & Redemption 💜
After investing, users can track goal progress, manage purchased mutual funds, and redeem their investments from a single portfolio flow. The experience is designed to keep every investment transparent and easy to control.
Key features covered in this flow :
- Goal Tracker : Monitor each financial goal with Completed, Projected, and Shortfall progress indicators.
- Purchased Fund Details : View live portfolio value, returns, SIP information, transaction history, and invest more whenever needed.
- Redeem Flow : Redeem mutual fund units by Units or Amount, review available balance, and complete the redemption securely.
This post-investment journey helps users stay informed, track financial progress, and manage their mutual fund portfolio with complete confidence.
Profile & Account Management 👤
The profile section is designed to manage personal details, investment settings, and account services from one place. It gives users quick access to their profile completion, bank accounts, SIP mandates, reports, transaction history, and customer support.
Key highlights :
- Complete your profile to unlock investment features and track verification progress.
- Manage Bank Accounts, Family Account, SIP & Mandates, and Reports from a single dashboard.
- Access Transaction History, invite friends, use the SIP Calculator, or connect with support instantly.
- A dedicated Risk Profile helps personalize mutual fund recommendations based on the investor’s profile.
A centralized profile experience that makes account management simple, secure, and investor-friendly.
Investment Tools & Utilities 💹
These utility screens help users calculate returns, explore equity categories, manage SIPs, and place multiple investments in one seamless journey. The flow is designed to simplify investment decisions while giving complete control over SIP management.
Key highlights :
- Explore Equity categories such as Large Cap, Mid Cap, Small Cap, Multi Cap, Flexi Cap, and Technology funds before investing.
- Use the Cart to save multiple mutual funds and place all investment orders together in a single checkout.
- Edit SIP anytime by updating the monthly amount, investment date, or pausing and deleting an existing SIP mandate.
- The SIP Calculator instantly estimates invested amount, expected returns, and future portfolio value through interactive sliders.
Interactive Prototype 🔗
The complete prototype maps the end-to-end investment journey, connecting every screen through interactive user flows — from onboarding and login to exploring funds, goal-based investing, portfolio management, transactions, and account settings.
Design Highlights ✨
- Clean financial dashboard with strong visual hierarchy
- Goal-based investing for beginners
- Simplified SIP planning experience
- Portfolio analytics with intuitive data visualization
- Consistent and scalable mobile design system
What I Learned 💡
- Designing for first-time investors requires reducing financial complexity.
- Clear information hierarchy improves trust during investment decisions.
- Goal-based investing makes the experience more meaningful than product-first investing.
- Consistent components helped maintain scalability across 30+ screens.
Good fintech design isn’t about showing more data — it’s about helping users make confident financial decisions.
And that’s a wrap. Thanks for reading! ❤️
Thank you for exploring the RingMoney case study. This project showcases my end-to-end product design process — from UX research and wireframing to high-fidelity UI, interactive prototyping, and a live production experience. I hope you enjoyed the journey as much as I enjoyed designing it.
Live Product 📱
Experience the live application on Google Play:
RingMoney — Mutual Fund Investment App
https://play.google.com/store/apps/details?id=com.ringmoney.app
Available on Google Play Store
