Notes on wealth, written for the long view.
In-depth essays on what actually compounds — investing, tax, planning, the boring discipline.
Latest essays
11 essaysAIF Categories I, II & III Explained
What each AIF category actually invests in, the minimums and investor caps, how pass-through vs fund-level taxation works, and who each category suits.
Understanding Fees, Taxation & Risks in PMS & AIF
Fixed vs performance fees, hurdles and high-watermarks, exit loads, how PMS capital gains and AIF category taxation actually work, the risks that matter, and the questions to ask before you sign.
Your Money Has a Mission. Does It Know What It Is?
India's wealth infrastructure has never been stronger — yet most working professionals have no clear financial plan. Here is a practical framework for building your personal financial roadmap in 2026.
The Great Wealth Transfer Has Begun: Why 2026 May Be the Most Important Investing Year of This Decade
Learn how AI, India's growth story, inflation, and smart asset allocation are reshaping investment opportunities in 2026. Explore practical strategies to build wealth, optimize taxes, and achieve financial independence.
The complete guide to PMS in India for 2026
What Portfolio Management Services actually are, who they're for, what they cost, and how to evaluate a manager before committing ₹50 lakhs.
Mutual funds vs PMS: which is right for you?
The decision framework: when mutual funds win, when PMS adds value, and the typical blend that works for HNI portfolios.
The ₹1.25 lakh LTCG exemption — the most under-used tax tool in India
Every Indian equity investor can harvest ₹1.25 lakhs of long-term capital gains tax-free every year. Most don't. Here's how to set up the workflow.
How to think about cryptocurrency as part of an Indian portfolio
The 30% tax + 1% TDS reality, why allocation should be 5-10% maximum, and the case for BTC over altcoins.
NRI investing in India: the 2026 rulebook
FEMA, RBI, SEBI, FATCA, DTAA — the rules NRIs need to know in 2026 to invest in India compliantly and tax-efficiently.
How AI is changing wealth management — and what it can't do
Where LLMs add real value in financial planning, where they fall short, and how the role of a human advisor is changing.
Real estate vs equity: settling the Indian investor's eternal debate
Twenty-year data, honest math, and why the answer for most Indian families is 'less real estate than you think.'
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