Insights
Writing on planning, markets and long-term wealth. Educational, specific, and honest about what is not known — which in finance is a great deal.
Most retirement calculators assume you will withdraw the same amount every year for thirty years. You will not — and the difference is not small.
Nandini Rao · 20 September 2026
Two retirees earn exactly the same average return over twenty years. One runs out of money. The difference is the order in which the returns arrived.
Arjun Kapoor · 13 September 2026
A policy that combines insurance with investment reliably delivers less of both. How to size cover, and why the two jobs belong apart.
Arjun Kapoor · 22 August 2026
A 7.15% deposit taxed at 30% with 6% inflation is not a 7.15% outcome. The number that matters is the one after both.
Arjun Kapoor · 14 August 2026
When the business is most of the balance sheet, the transition question is operational long before it is legal — and the two are usually planned in the wrong order.
Nandini Rao · 3 August 2026
Delay is the most expensive decision in personal finance, and the only one that never feels like a decision at all.
Arjun Kapoor · 18 July 2026
A will is a two-hour task that most people postpone for a decade. What it actually involves, and what happens in its absence.
Nandini Rao · 7 July 2026
