Investing
Turning income into assets that compound — and the ways that goes wrong when risk is not defined before the trade is placed.
Investing is what turns income into assets that earn without you. The failures rarely come from picking the wrong fund — they come from taking risk that was never defined before the trade, or from compounding into a hole that a loan is widening faster.
These posts start from published data rather than sentiment: SEBI's study of 1.13 crore derivatives traders, long-run Nifty returns including the drawdowns, and what separates the small share who came out ahead from everyone else. The recurring conclusion is unglamorous — an emergency fund, a defined allocation and a long horizon decide more outcomes than security selection does.
4 posts
EPF Scheme 2026: The 25% You Can No Longer Withdraw
India replaced its 1952 provident fund scheme on 29 June 2026. A quarter of your PF is now locked until you retire, are retrenched, or spend a year unemployed.
Read the numbers →Gold ETFs vs Equity Funds: The Crossover That Lasted One Month
In January 2026 gold ETFs out-took equity funds for the first time. In the seven months since they took less than that one month. AMFI's data, month by month.
Read the numbers →How Indian Personal Finance Apps Actually Make Money
Eight Indian finance apps audited on the same criteria: what each is registered as, what it sells, and where the revenue actually lands. Sourced and dated.
Asset Allocation by Age in India: Four Official Answers That Disagree
At 35 the state tells you to hold 75%, 50%, 25% or under 15% in equity, depending only on which scheme the money sits in. And your real number is none of them.
Read the numbers →The 4% Rule: Where the Number Came From, and What It Was Tested On
Bengen's 1994 study ran US data over 30-year windows with a 50 to 75 per cent equity portfolio. What the rule actually says, what it never said, and what transfers.
Read the numbers →UPS vs NPS: What the Assured Pension Actually Assures
The Unified Pension Scheme pays half your final average basic pay, if you serve 25 years, match a benchmark corpus and take no lump sum. The formula, worked through.
Read the numbers →Consolidated Account Statement: What Your CAS Shows, and What It Leaves Out
There are two different documents called a CAS, and which one reaches you depends on whether you hold a demat account. What each covers, and what falls through.
Read the numbers →Specialized Investment Funds: What ₹10 Lakh Actually Buys
SEBI licensed seven SIF strategies. Fifteen months on, the debt ones hold nothing. What the ₹10 lakh minimum buys, and the redemption rule nobody mentions.
Read the numbers →India rebuilt its inflation basket this year. It still does not contain your life.
India rebased CPI to 2024 in February. Health printed 1.34% in July while insurers priced 11.5%. Work out your own rate from your own spending.
Read the numbers →Life cycle funds: what SEBI actually built, and what leaving costs
SEBI created life cycle funds in February 2026. One AMC has launched any. The glide path is real, the exit load is 3%, and most coverage has the bands wrong.
Read the numbers →India rewrote its income tax law. Your tax bill did not change.
India replaced its 1961 income tax law on 1 April 2026. Rates, slabs and deductions did not change. Here is what did, and the part now in court.
Read the numbers →Is that flat overpriced? Its rent already told you
A flat's rent is the one number nobody can inflate. Divide it by the asking price and you get a fast, honest read on whether that price is defensible.
Read the numbers →₹16,000 vs ₹10 crore. You were never playing the same game.
India runs on two economies — one where you sell time, one where money makes money. The structural gap between them, and the one move that crosses it.
Read the numbers →93% of F&O traders in India lost money. The 7% weren't smarter.
SEBI data: 93% of F&O traders lost ₹1.8 lakh crore between FY22 and FY24. The winners weren't smarter — they just had a plan for losing.
Read the numbers →These posts support Net worth tracker for India — start there for the full picture.