Stocks
How to read a company’s annual report without an accounting degree
Five sections that tell you more about a business than any price chart, and the order to read them in.
August 26, 2026
2 min
Stocks
Averaging down: when it works, and when it just concentrates your worst idea
August 23, 2026
2 min
Run your numbers
All 35 calculatorsWhat we cover
StocksMarket moves, company research and how to read a balance sheet.3 articlesMutual FundsSIPs, fund categories, expense ratios and portfolio building.3 articlesInsuranceHealth, motor and general cover — what policies actually pay for.1 articleTerm InsurancePure protection: sum assured, riders, claim ratios and premiums.2 articlesPersonal FinanceBudgeting, tax, loans, credit scores and everyday money habits.3 articles
Stocks
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Stocks
Every charge on an equity trade, and why small trades rarely pay
Brokerage is the smallest line on most contract notes. Here is the rest of it.
July 24, 2026
2 min
Mutual Funds
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Mutual Funds
Direct versus regular plans: what one percent actually costs over 20 years
The difference sounds trivial per year. Compounded, it is a fifth of your corpus.
August 14, 2026
2 min
Insurance
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Insurance
Health insurance: the clauses that decide whether your claim is paid
Room rent limits, co-pay and disease-wise sub-limits quietly decide how much of your bill you carry.
August 5, 2026
2 min
Term Insurance
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Term Insurance
How much term insurance do you actually need?
Ten times income is a slogan, not a calculation. Here is the arithmetic that replaces it.
August 11, 2026
2 min
Term Insurance
The term insurance claim rejections we see most often
Claim settlement ratios are high. The cases that fail nearly all share the same five causes.
August 8, 2026
2 min
Personal Finance
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Personal Finance
Prepay the home loan or invest the difference?
The spreadsheet answer and the sleep-at-night answer are not always the same, and both are valid.
July 30, 2026
2 min
Personal Finance
An emergency fund is not an investment, and that is the point
Six months of expenses in a boring account is what stops one bad month becoming a bad decade.
July 27, 2026
2 min
Personal Finance
How much do you need to retire? Work backwards from the monthly figure
The corpus number looks impossible until you see how it is built. Then it becomes a monthly instalment.
July 21, 2026
2 min
The Sunday money note
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