Frameworks
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...
Case Studies
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...
Prakashak
September 28, 2026
Case Studies
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...
Prakashak
September 26, 2026
Fixed Income
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...
Prakashak
August 16, 2016
Asset Allocation
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...
Prakashak
September 1, 2013
Case Studies
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...
Prakashak
March 17, 2012
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...
Prakashak
March 12, 2012