When to Stop a SIP (and When to Increase It)
Most SIP advice is one-size-fits-all. The honest truth: there are good reasons to pause, smart reasons to step up, and…
Mid-Caps vs Small-Caps: When Risk Becomes Reckless
Smallcap returns of 17% over five years feel like a free lunch. They're not. The behavioural and valuation reasons to…
Selling Mutual Funds to Buy a House: The Tax Math Most People Get Wrong
Selling mutual funds for a down payment? Section 54F could save you lakhs in capital gains tax. Most people don't…
Foundation Builders: Why Financials, Industrials, Energy, and Metals Anchor Our 2026 Book
Four sectors. One thesis. Why mid-cycle India in 2026 favors the businesses building physical infrastructure, and what could derail this…
International Mutual Funds in India: How Much US Exposure Is Enough
Indian portfolios with zero global exposure are missing something important. Indian portfolios with 30% global exposure are missing something else.…
EMI vs Investing: When a Home Loan Prepayment Beats Equity Returns
The math says equity beats home loan prepayment. The math is incomplete. Here's the full picture, including the part most…
Active vs Passive: When Index Funds Beat Active and When They Don’t
Index funds win in some markets. Active funds win in others. The real conditions that determine when each approach earns…
The 5 Mutual Fund Mistakes I See in Almost Every HENRY Portfolio
After reviewing hundreds of HENRY portfolios, the same five mistakes keep showing up. The good news: each one is fixable…
The DENRY Money Conversation: How Dual-Earner Couples Should Split Investments
Two incomes. Two risk profiles. Two opinions on what to do with the money. The framework for couples to combine…
Why We’re Underweight Auto Despite the EV Hype
EV optimism is everywhere. Auto stocks tell a quieter story. The reasons we stayed underweight when the narrative said otherwise,…