Insights

We publish our reasoning.

You cannot verify a new practice’s track record. You can read its analysis and judge it in four minutes. That is the trade we are offering.

Portfolio construction

Forty funds, thirty stocks: what fund overlap actually costs you

Holding more schemes is not diversification. A look-through of a typical eleven-fund Indian portfolio, and the concentration it hides.

Coming soon8 min read
Costs

Regular versus direct, stated in rupees over ten years

The expense-ratio difference expressed the only way that means anything: the rupee figure it removes from a ₹1 crore corpus by year ten.

Coming soon6 min read
Planning

The retirement number nobody publishes: your real return after tax

Indexation, LTCG and exit loads, applied to a drawdown plan — and why an average return is the wrong input for the withdrawal phase.

Coming soon10 min read