The Battery-as-a-Service Illusion: A Financing Decision in Disguise
Frameworks · Personal finance · 11 min read The showroom called it a technology feature. My spreadsheet called it a loan with no end date. H...
Twenty Years of Going Direct: What the Math Says About Mutual Fund Commissions
Most people I know found Direct Plans in the last few years, through an app. My own route was older and clunkier: paper forms and cheques, s...
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Myth of 9.1% assured return in Assured Annual Income Plan (Rejoinder)
Rejoinder: What a Reader's Pushback Taught Me About the Assured Income Plan — And Why the Conclusion Still Holds A post I wrote earlie...
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National Pension System (NPS)
National Pension System (NPS) [yes it is system and not scheme] is a defined contribution based Pension Scheme launched by Government of In...
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Mutual Fund–Our Way
Why Monthly SIPs Feel Broken in a Market That Changes Its Mind Daily — And the Framework I Built Instead Here's the uncomfortable trut...
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Myth of 9.1% assured return in Assured Annual Income Plan
The Math Behind "9.1% Assured Return": A Framework for Reading Insurance-Linked Investment Illustrations Here's a sentence th...
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Second Innings
When we started way back in 2007, we used Wordpress to host our website since that time Blogger was not that mature and the functionality wa...
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