Published perspectives
Indian mutual funds from the UAE: a documentation-first checklist
Prepare an India-linked investment file from the UAE: source of funds, tax-residence evidence, provider acceptance and currency goals.
Read guide →Indian mutual funds from the UK: records before returns
A preparation guide for UK-resident Indians covering provider acceptance, dated investment records, currencies and questions for a qualified tax adviser.
Read guide →Indian mutual funds from Singapore: a practical preparation guide
Organise Singapore and India records, separate personal and business money, and confirm provider acceptance before using an INR investment illustration.
Read guide →US and Canada residents: questions before an Indian mutual fund transaction
Country acceptance, US tax-classification questions and records to prepare before considering an Indian mutual fund. No blanket eligibility claim.
Read guide →NRI mutual fund KYC and FATCA: organise the records before applying
Understand the separate roles of identity checks, tax-residence declarations and AMC country acceptance with a practical documentation workflow.
Read guide →What Is SIP? A Simple Guide to Regular Mutual Fund Investing
What a SIP changes, how units are purchased, and why regular contributions do not guarantee a profit. Includes an effective-rate worked example.
Read guide →How a Step-up SIP Works: Contributions, Examples and Limits
Understand fixed and percentage contribution increases, affordability and the difference between extra capital and investment growth.
Read guide →Understanding Lumpsum Investing: Growth, Timing and Risk
A guide to deploying available capital, testing inflation and comparing immediate investment with a documented phased approach.
Read guide →How an SWP Works: Withdrawals, Capital and Sustainability
See why SWP payments can use your own capital, how withdrawal timing matters, and what a partial payment means for retirement income.
Read guide →Understanding EMI: Loan Payments, Interest and Prepayments
Understand reducing-balance repayments, extra payments and the costs a simple EMI estimate excludes before comparing lender quotes.
Read guide →Understanding Fixed Deposits: Compounding, Payouts and Records
Compare cumulative and payout deposits, maturity principal, compounding conventions, tax records and provider-specific limitations.
Read guide →How PPF Works: Deposits, Timing and Projection Assumptions
Understand PPF deposit timing, financial-year interest and why a quarterly notified rate cannot guarantee a full-term projection.
Read guide →Understanding NPS: Contributions, Corpus and Pension Illustrations
Separate NPS contributions, projected corpus, inflation-adjusted value and an assumed annuity from actual subscriber exit rights.
Read guide →Retirement Planning Explained: Expenses, Income and the Corpus Gap
Build a retirement estimate from spending, pension, existing assets and a range of inflation and longevity assumptions.
Read guide →Understanding CAGR: Annualised Returns, Examples and Limitations
Read annualised endpoint growth correctly, recognise a missing price path, and know when dated cash flows require XIRR instead.
Read guide →How US Federal Reserve Policy Affects Indian Equities
Fed policy can influence valuations, currency and global risk appetite through several channels. The reason for a rate move matters as much as its direction.
Read guide →The behaviour gap: why good investments can still produce poor outcomes
Separate the investment’s return from the return on your own cash flows. Write the conditions for a change before market stress arrives.
Read guide →Long-term investing: giving compounding enough room to work
Compounding is arithmetic, not a promise of smooth annual growth. Time helps only when the money can stay invested.
Read guide →Investing for a minor: structure today for choices tomorrow
Ownership and operating authority need separate documentation. A minor’s folio is not an informal extension of a parent’s account.
Read guide →Where NPS can fit within a broader retirement plan
NPS is one retirement component, not a complete household plan. Check current access and exit rules before choosing contributions.
Read guide →Understanding investment scope: matching asset classes to their jobs
Different assets solve different financial problems. A product name does not describe every risk inside it.
Read guide →A clearer framework for NRIs investing in India
Map residence, eligibility, banking and documentation before choosing a scheme. NRE/NRO routing does not determine the entire tax outcome.
Read guide →SIP or lump sum? Start with cash flow, not a market forecast
A SIP describes a payment method; it does not remove investment risk. Compare equal money, dates and assumptions when comparing routes.
Read guide →Risk is more than volatility: building a useful asset allocation
Risk includes shortfall, concentration and forced-sale risk. Allocation should account for assets beyond mutual funds.
Read guide →Tax-aware investing without letting tax drive every decision
Judge tax outcomes for the actual asset, acquisition date and investor. Tax efficiency cannot repair a poor fit with liquidity or risk.
Read guide →A family asset book: turning scattered records into one clear map
Build an index of assets, not a public store of private credentials. Separate ownership, intended use and authority to operate.
Read guide →Emergency fund design: protect long-term plans from short-term shocks
Size a reserve around essential cash needs and income uncertainty. Access and reliability matter more than maximising yield.
Read guide →Women and financial planning: ownership, access and continuity
Personal access matters as much as household wealth. Know the legal owner and operating authority for each asset.
Read guide →How recency bias changes decisions after a strong or weak year
Recent performance is a limited observation, not a complete forecast. Review the process and exposure behind the return.
Read guide →A market-volatility checklist before changing a portfolio
Check household liquidity before reacting to a market fall. A fund-specific problem and a broad decline need different analysis.
Read guide →Step-up SIPs: linking contribution growth with income growth
A step-up is affordable only if actual cash flow supports it. Compare contribution growth separately from investment return.
Read guide →Education planning: from today’s fee to a staged future target
Estimate fees by payment date rather than as one distant lump sum. Foreign study adds currency and location uncertainty.
Read guide →When a minor becomes an adult: the documentation transition
A guardian’s operating authority does not continue indefinitely. Prepare KYC, bank and signature updates before the transition.
Read guide →Retirement corpus estimates: useful range, not a promise
A retirement number is sensitive to spending, duration and real return. A single average return hides withdrawal-sequence risk.
Read guide →Life expectancy after retirement: why the assumption matters
Plan for a range of retirement lengths. A surviving partner can have different costs and income.
Read guide →Portfolio review without turning review into constant activity
Review the assigned job before reviewing recent returns. Separate monitoring from trading.
Read guide →NRE, NRO and investment cash flows: build an account map
Map the source and destination of each India-linked cash flow. Account designation and investment tax treatment are separate questions.
Read guide →Returning to India: a financial-records review before the move
Plan a return as a record and status transition, not just a relocation. Notify each institution through its required process.
Read guide →Capital-gains records: make the calculation easier before a sale
Keep transaction-level acquisition records, not only current balances. Reconcile provider reports and tax information before filing.
Read guide →Family nominations: record the context, not only the name
Nomination details and legal entitlement require separate consideration. Check each institution’s record after a family change.
Read guide →Annual family financial review: a practical agenda
Review the household before individual products. End the meeting with owners and dates for unresolved work.
Read guide →Cash-flow clarity before setting an investment target
Use actual after-tax cash flow rather than gross income. Annual and irregular costs belong in the monthly picture.
Read guide →Inflation: why a future goal is not today’s price
A goal should be expressed in future purchasing power. Different expenses may rise at different rates.
Read guide →Risk capacity and risk tolerance are not the same
Capacity describes financial ability to absorb loss. Tolerance describes willingness to live with uncertainty.
Read guide →A simple portfolio can still be a complete portfolio
Count distinct exposures rather than scheme names. Simplicity should improve understanding without hiding concentration.
Read guide →Women, career breaks and retirement continuity
Plan the break before contributions stop. Preserve personal liquidity and visibility over retirement assets.
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