SIP Is Not a Strategy. It Is a Method of Investing
A young investor once told me proudly: “My strategy is SIP.” I asked: “SIP into…
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Different Clothes for Different Situations: When Do You Need a Financial Expert?
You wouldn't wear beach clothes to a board meeting. You wouldn't wear a three-piece suit…
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Should You Pay a Financial Advisor? Absolutely — But For What?
A family once asked me: “Why should we pay someone for financial advice? Everything is…
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₹1 Crore + 1% Fee: What Does It Cost You Over 10, 20 and 30 Years?
I once ran a simple calculation for a client. Starting portfolio: **₹1 crore.** Then we…
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The Real Cost of a 1% Annual Investment Fee
A client once told me: “It's only 1%.” I asked: “Only 1% of what?” That…
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Active Fund vs Index Fund: What Are You Actually Paying For?
A client once showed me an actively managed fund and pointed proudly to its higher…
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Why Simplicity Can Beat Complexity in Investing
Early in my career, I watched someone get excited about a financial product with an…
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Index Funds Explained in Plain English
A young professional once told me: “Index funds sound too simple.” I smiled. In finance,…
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Inflation: Why ₹1 Crore Today Won’t Mean What You Think
A retiree once told me: “My target is simple. I need ₹1 crore.” I asked:…
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Compounding: The Most Powerful Boring Idea in Finance
A young person once asked me: “What is the secret to becoming wealthy?” I gave…
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