Insights

Financial insights & planning notes

Plain-language writing on the decisions that actually move the needle — allocation, protection, taxes and behaviour. No tips, no calls, no predictions.

Planning·8 min read

Why your SIP amount matters less than your SIP tenure

Doubling your monthly investment doubles the outcome. Doubling the time it stays invested does considerably more than that. A look at where compounding actually comes from.

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Protection·6 min read

How much life cover do you actually need?

Most people are either drastically underinsured or paying for cover they will never claim. Here is the calculation, and why the answer is usually a term plan.

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Retirement·10 min read

The retirement number nobody calculates properly

Inflation between now and retirement is only half the problem. The other half is the twenty-five years of inflation after it. Both belong in the same calculation.

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NRI·9 min read

NRE or NRO: the decision that follows you for years

The account you invest from determines whether the money can leave India later. Getting this wrong is fixable, but expensive and slow. Getting it right takes one conversation.

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Behaviour·7 min read

What investors did in March 2020, and what it cost them

The portfolios that recovered fastest were not the cleverest ones. They were the ones nobody touched. On the gap between returns available and returns earned.

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Tax·8 min read

ELSS, PPF and NPS: choosing the right tax-saving route

All three save tax under different heads, with different lock-ins and very different risk. Which belongs in your plan depends on horizon, not on the deadline in March.

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Articles published here are general information and educational in nature. They do not take your personal circumstances into account and are not a recommendation to buy, sell or hold any security. Mutual fund investments are subject to market risks — read all scheme related documents carefully.

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