Category
Investing
11 articles
Tax-Loss Harvesting in India: Turning a Losing Investment Into a Tax Deduction
Most investors just sit on a loss and wait. A booked loss can legally offset your gains elsewhere and cut your tax bill — if you understand the LTCG/STCG rules that govern it.
Read articleThe Small-Cap Liquidity Illusion: Why the NAV Looks Smooth But the Exit Isn't
A small-cap fund's daily NAV updates like clockwork, giving a false sense of how easily that money could actually be converted to cash in a crisis.
Read articleThe Concentration Risk Hiding in Your Own Salary: Employer Stock and Home Bias
If your salary, your bonus, and your investments all depend on the same company or the same country, you're carrying more concentrated risk than your portfolio 'looks' like it has.
Read articleSurvivorship Bias: Why 'Average Fund Returns' Are Quietly Better Than Reality
Every mutual fund category average you've ever seen only counts the funds that survived long enough to still exist. The ones that failed simply vanish from the data.
Read articleSequence of Returns Risk: The Retirement Killer Almost Nobody Has Heard Of
Two people can retire with the exact same average return over 20 years and end up with wildly different outcomes — purely because of the order the returns arrived in.
Read articleRolling Returns: The Metric That Exposes Funds Hiding Behind Lucky Timing
A fund's headline '5-year return' depends entirely on which exact 5 years got picked. Rolling returns remove that luck — and most investors have never checked them.
Read articleSIP vs. Lump Sum: The Popular Advice Isn't What the Data Actually Shows
'SIP averages out risk' is repeated everywhere. Historically, lump sum investing has actually outperformed SIP most of the time — for a specific, under-explained reason.
Read articleXIRR vs. CAGR: Your SIP App Might Be Showing You the Wrong Return
CAGR only works for a single lump sum investment. If you're investing monthly through a SIP, CAGR quietly overstates or understates your real return — XIRR is the number that's actually correct.
Read articleThe 1% You Don't Notice: How Expense Ratio Quietly Eats Your Mutual Fund Returns
A 1% difference in expense ratio sounds tiny. Over 25 years of compounding, it can quietly cost you more than a lakh in retirement corpus per ₹1 lakh invested.
Read articleSection 80C Explained: A Quick Primer on Tax-Saving Investments in India
The ₹1.5 lakh deduction limit covers more instruments than most people use — here's what qualifies, and how to pick between them.
Read articleHow to Actually Plan Your Way to a ₹1 Crore Goal
Working backward from a target corpus to a monthly SIP number, and why starting early matters more than the return rate you chase.
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