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Deep Dives
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Deep Dive
Falling Stock: Bargain or Trap?
Deep Dive · 9 min
Falling Stock: Bargain or Trap?
A share that has dropped 40% is either a discount on a good business or a warning you have not finished reading. Here is how to tell the difference before you commit a single rupee.
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The IPO Investing Checklist
Deep Dive · 10 min
The IPO Investing Checklist
An IPO is one of the few times you buy a business from the person who knows it best and wants the highest price for it. Here is what to read, and what to ignore, before you apply.
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How to Read Quarterly Results
Deep Dive · 10 min
How to Read Quarterly Results
Four times a year, every listed company opens its books. Most people read the one headline number and stop. Here is how to read the whole story in fifteen minutes.
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FD vs Bonds: Which Loan Is Right for You?
Deep Dive · 9 min
FD vs Bonds: Which Loan Is Right for You?
A fixed deposit and a bond are both you lending money for a fixed return. The differences are in who you lend to, how safe it is, how it is taxed, and whether you can get out early.
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Bond Coupon vs Yield: The Difference That Costs People Money
Deep Dive · 8 min
Bond Coupon vs Yield: The Difference That Costs People Money
The coupon is what a bond promises. The yield is what you actually earn. Confusing the two is the most common and most expensive mistake in fixed income.
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Why High-Yield Investments Are Riskier
Deep Dive · 9 min
Why High-Yield Investments Are Riskier
Nobody pays you 14% out of kindness. A high promised return is not a gift; it is the price of a risk someone is asking you to carry, often without telling you.
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CTC vs Take-Home: Why Your Salary Shrinks
Deep Dive · 9 min
CTC vs Take-Home: Why Your Salary Shrinks
The big number in your offer letter is not the money you will spend. Between CTC and your bank balance sit several layers that quietly take their share. Here is every one of them.
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How to Read Your Payslip
Deep Dive · 9 min
How to Read Your Payslip
Most people glance at the net pay figure and file the rest away. But your payslip explains where every rupee goes, and reading it properly can save you real money.
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The Salary-Day Money System
Deep Dive · 9 min
The Salary-Day Money System
The single most powerful money habit is not budgeting harder or earning more. It is deciding where your salary goes on the day it arrives, before you get a chance to spend it.
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How Much Do You Need to Retire?
Deep Dive · 10 min
How Much Do You Need to Retire?
Retirement is not an age; it is a number. It is the size of the pot that can pay your bills for the rest of your life without a salary. Here is how to work out yours.
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The Three-Bucket Retirement Strategy
Deep Dive · 9 min
The Three-Bucket Retirement Strategy
In retirement you need two things that pull in opposite directions: safety for the money you spend soon, and growth for the money you spend later. Three buckets give you both.
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Sequence of Returns Risk
Deep Dive · 9 min
Sequence of Returns Risk
Two retirees can earn the exact same average return over the same years, and one runs out of money while the other thrives. The difference is the order in which the returns arrive.
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