The Home Loan That Quietly Grew Seven Years Longer
Rate hikes were absorbed into your tenure, not your EMI — no call, no choice. The silence costs…
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Tag: India
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Corporate FDs: What the Extra 2% Is Actually Telling You
The premium over a bank FD is the market pricing your chance of not getting it back. ₹52,000…
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The Doubling-Time Test: One Question That Unmasks Every Scheme
KVP doubles in 9.6 years — that's what sovereign-guaranteed money does. 'Double in 3 years' is a guaranteed…
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The Jeweller’s RD: Gold Schemes That Pay You in Obligation
11 instalments, one 'free' — a 15.9% return that making charges collapse to zero. The shop got a…
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The GMP Lottery: Full IPO Allotment Is the Market’s Politest Warning
Grey-market premiums manufacture urgency; lock-up calendars manufacture supply. Compute your all-in IPO CAGR before the next queue.
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Your Trading App Wants You to Trade. Your Returns Want You to Stop.
Confetti, streaks, notifications: engagement is the broker's revenue and your leak. The untouched portfolio wins by ₹2.5 lakh.
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PMS and the 2/20 Trap: Rich Enough for Worse Returns
Exclusivity is a fee schedule with better coffee. ₹50 lakh pays ₹27.5 lakh in marble over a decade…
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The Benchmark Switcheroo: Beating an Index With Its Pockets Sewn Shut
For two decades funds compared dividend-inclusive returns against a dividend-free index. SEBI ended it in 2018; the folklore…
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Fund Mergers: How a Bad Mutual Fund Erases Its Own Report Card
Underperform long enough and the scheme vanishes into a sibling with better numbers. Your own CAGR is the…
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Closet Indexing: Active Fees for an Index Fund in a Trench Coat
Your large-cap fund hugs Nifty at nine times the fee. The costume costs ₹10 lakh on a ₹10…