Yesterday’s Winners Are Not Always Tomorrow’s Winners

5 min read One of the most common mistakes investors make is assuming that a company which has performed exceptionally well in the past will continue to deliver superior returns

Rich vs Financially Secure: Why They Are Not Always the Same

6 min read Every cricket fan remembers explosive innings where a batsman races to 80 runs in just 40 balls. It looks spectacular. But if the team collapses soon after

Early Belief, Big Gains: Wealth Creation Through Startups

Every morning, millions of Indians order breakfast on Zomato, pay their bills on Paytm, invest their savings on Groww, shop for beauty products on Nykaa, and pick up their prescription

The Limits of Age-Based Asset Allocation

There is a deeply ingrained idea in personal finance that asset allocation should follow your age. The classic formulation says: subtract your age from 100, and that is the percentage

Sukanya Samriddhi Yojana (SSY): Is It Enough for Your Daughter’s Future?

When it comes to planning for a daughter’s future, few investment products are as popular as the Sukanya Samriddhi Yojana (SSY). Ask any parent about SSY and you’ll probably hear

Public Provident Fund (PPF): The Complete 15-Year Journey Explained

PPF. Three letters almost every Indian has heard at some point from a parent, friend, colleague, or banker. Most people know the basics. It is safe. It helps save tax.

Why Investors Often Choose Comfortable Advice Over Correct Advice?

A few years ago, during a market correction, an investor called me to discuss his portfolio. Before speaking with me, he had already spoken to his brother, a colleague, two

The Emergency Fund Myth: How Much Is Really Enough?

Most of us have heard the advice at some point: “Keep 3 to 6 months of expenses as an emergency fund.” It’s one of the most commonly repeated rules in

What Should You Do When Your Mutual Fund Underperforms?

One of the most common questions investors ask is: “My mutual fund has underperformed over the last year. Should I exit and moveto a better-performing fund?” The natural tendency is

The Strait That Shakes India: Hormuz

The Strait of Hormuz i s one of the most critical chokepoints in the global energy supply chain. This narrow sea passage, located between Iran and Oman,  connects the Persian