Why your SIP feels like it is not working (and why that is normal)
The first few years of any SIP look disappointing on paper. Here is the arithmetic behind that feeling, and why stopping is the single costliest move an investor makes.
Insights
Plain-language notes on money
No predictions, no hot tips. Just the questions our clients actually ask, answered the way we would answer them across a table.
Planned articles
Coming soon
These are the pieces we are writing first, because they are the questions we answer most often. Want one of them sooner? Tell us and we will move it up.
How much health cover is actually enough in 2026?
₹5 lakh was a sensible number a decade ago. What a serious hospitalisation costs today in and around Kolkata, and how to size your cover without overpaying.
SWP or FD after retirement? Run the tax maths first
Two retirees draw ₹40,000 a month. One keeps considerably more of it. The difference is not the return — it is how each withdrawal is taxed.
What history says about market falls
How often Indian equity markets have fallen more than 20%, how deep those falls went, and how long it took to get back. Familiarity is the best cure for panic.
The order to do things in: emergency fund, insurance, then investing
Most people start in the middle. Here is the sequence that stops one bad month from undoing five good years.
Old regime or new regime — does ELSS still make sense for you?
The answer changed for a lot of people. A simple way to work out which side of the line you fall on before the financial year ends.
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