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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Tag: Personal Finance
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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…
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Your FD Is Losing Money, Politely
7% interest, 31.2% tax, 6% inflation: a guaranteed −1.12% a year. The statement grows while the money shrinks…
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NPS Annuity Fine Print: The 40% of Your Retirement You Must Hand Over
Mandatory annuity at 6.5%, fully taxable, frozen for life. Watch ₹1 crore become a ₹5,119 pension in today's…
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EPS: The Pension That Time Forgot — Frozen at ₹15,000 Since 2014
The pensionable-salary ceiling hasn't moved in a decade. Maximum lifetime pension: ₹7,500. Compute yours, then plan the rescue.
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The ETF That Didn’t Fall (Until You Sold): Price vs NAV Games
Nifty fell 2%, your ETF showed −0.5%. That gap wasn't protection — it was the price of selling…