Knowledge Hub
Practical finance for India's wealth builders.
No tips. No "top stocks for 2025." Just clear explanations of how financial independence works — and how to get there from where you are.
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Financial Independence
Freedom Score Explained: What Does -100 to +100 Actually Mean?
The Freedom Score is a -100 to +100 number that measures your structural readiness for financial independence. Here is exactly how it is computed.
Retirement
The 4% Rule Does Not Work in India. Here Is What Does.
The 4% rule was designed for US markets. Indian inflation, healthcare costs, and longer retirements require a different approach. Here is what actually works.
Debt & Loans
Prepay Your Home Loan or Keep Investing? The Real Answer
Should you prepay your home loan or invest the extra cash? The answer depends on four numbers — your loan rate, expected returns, tax bracket, and emotional relationship with debt.
Recent
Tax
LTCG and STCG Tax in 2026: A Complete Guide
Capital gains tax changed in 2024. Here is the complete FY 2026-27 picture for equity, debt, real estate, and gold — with practical planning implications.
my FIRE Journey : Complacency to Clarity: My 38-Year Financial Wake-Up Call
In my initial years, I spent very little on luxuries. A significant portion of my salary went towards supporting my family and repaying my education loan. I longed to own a laptop, something I could a
Investing
Why Index Funds Beat Most Active Funds (And When They Do Not)
Over 10-year periods, most large-cap active funds in India underperform Nifty 50 index funds. Here is why — and when active funds still make sense.
Tax
New Tax Regime 2026-27: Should You Switch?
The new tax regime is now default in India. Here is how the FY 2026-27 slabs work, when to stay in the old regime, and what changes for your investment strategy.
Insurance
Term Insurance: How Much Cover Do You Actually Need?
The "10x income" rule for term insurance is often wrong. Here is how to actually calculate how much cover you need based on your liabilities, income, and horizon.
Investing
SIP Step-Up: The Most Underused Wealth-Building Lever
A 10% annual SIP step-up transforms a ₹10,000/month investment into a 3x larger corpus compared to flat contributions. Here is the math and how to implement it.
Retirement
EPF vs PPF vs NPS: Where Should Your Retirement Money Go?
EPF, PPF, and NPS are all tax-advantaged retirement instruments. Here is how to allocate across all three based on your situation.
Money Basics
The Emergency Fund: Why 3 Months is Not Always Enough
The 3-month rule for emergency funds is a starting point, not a ceiling. Here is how to size your buffer based on your job risk, income, and obligations.
Financial Independence
Coast FIRE: When Can You Stop Saving for Retirement?
Coast FIRE is the point where your investments will grow to your retirement target on their own — even if you stop saving. Here is how to calculate it.
Debt & Loans
Debt Avalanche vs Debt Snowball: Which Payoff Strategy Works?
Avalanche vs snowball — which debt payoff strategy should you use? The math favors avalanche, but the psychology often favors snowball. Here is how to decide.
USA and India sign trade deal
The Freedom Score: A Comprehensive Guide to Your Financial Health
Understanding the Freedom Score: how it's calculated, what each component means, and actionable tips to improve your score.
Zoltan Pozsar's 2022 Vision: Bretton Woods III and the 2025 Precious Metals Rally
Post-war: weaker USD, stronger RMB/commodity currencies; central banks hoard gold/commodities over FX reserves; Eurorenminbi rivals Eurodollar; inflation bifurcates (West stagflation, East control via reserves). Wars birth monetary systems—Bretton Woods III as commodity-anchored multipolar order.