There is a particular kind of investor anxiety that did not exist thirty years ago. In an earlier era, a retail investor might receive a quarterly statement in the post, review it over a weekend, and carry on. The gap between observation and reaction was built into the process. Today, the entire value of a…
Imagine walking into a pharmacy and picking up a prescription left behind by a previous patient. The medication may be genuine. The pharmacist who dispensed it may be qualified. But the prescription was written for someone else’s condition, on the basis of their medical history, their risk profile, and their specific circumstances. Acting on an…
Most people who begin investing make a sensible decision. They choose a monthly SIP amount they are comfortable with, automate it, and allow the process to run in the background. This is a good start. Automation removes emotion from investing and helps investors stay disciplined through market ups and downs. However, there is one problem…
There is a pattern that emerges among many intelligent, high-earning professionals once their income reaches a certain level. Having mastered their careers through competence and discipline, they apply the same instinct to their personal finances—deciding to manage their investments themselves. The reasoning is understandable. If you have risen to a senior position through your own…
We are taught from an early age that extraordinary financial success requires extraordinary intelligence. We assume the market’s top performers are quantitative experts with elite degrees, complex models, and an intricate grasp of macroeconomics. The history of finance, however, presents a compelling counter-argument. In what other field can a person with no formal training, no…
For many first-time investors, the biggest obstacle is not money—it is the wait. The wait for the market to settle. The wait for the economy to stabilise. The wait for a clearer sign that the time is right. This hesitation is rooted in what we call the Myth of the Perfect Market Entry—the belief that…
In an age of constant digital visibility, it has never been easier to observe how others appear to live. When colleagues, peers, or social media contacts showcase premium lifestyles—luxury vehicles, high-end properties, frequent travel—a subtle but powerful psychological mechanism can take hold. This is Wealth Mirroring: the tendency to replicate the consumption patterns of those…
There is a persistent belief among investors—particularly those who are newly confident in the market—that keeping money in a savings account or paying insurance premiums is somehow wasteful. If the money is not working hard, it is not working at all. This view is understandable, but it carries significant risk. A portfolio built entirely around…
While marketing materials frame it as a booming aerospace milestone, the business is fundamentally a loss-making conglomerate that posted a $4.94 billion GAAP net loss for FY 2025.
Rupee fall and RBI intervention are again being discussed after the rupee touched a low of 96.96 against the U.S. dollar. Later, it recovered near 95.23, helped by lower crude oil prices and likely support from the Reserve Bank of India through state-run banks. Many investors are asking one simple question: If RBI has dollar…