Public markets
Index funds and SIPs
The boring default that quietly beats most active investors, and how to start.
Should I buy index funds or pick stocks?
For almost everyone, and especially a busy founder, start with low cost index funds. Decades of data show that most active investors, professionals...
How do I actually start a SIP in India?
A SIP is just an automatic monthly purchase of a mutual fund, and setting one up is a short, boring process. In outline: complete KYC once (PAN, Aa...
My startup income is lumpy. How do I keep a SIP going?
A SIP works best when it is boring and automatic, but a founder's cash flow rarely is. One approach is to set your monthly SIP at a level you can h...
Should I pick a direct plan or a regular plan mutual fund?
A direct plan and a regular plan hold the exact same portfolio. The difference is that a regular plan pays a distributor commission out of your mon...
The market crashed and my SIP is deep in the red. Should I stop?
This is the moment the whole strategy is built for, and stopping now is usually the one move that locks in the damage. A falling market means your ...
How are my index fund gains taxed when I sell, and does each SIP count separately?
For an equity index fund in India, gains are taxed only when you actually sell, and how long you held decides the rate. Sell within a year and it i...
I just got a payout. Lump sum now, or spread it into a SIP?
History says that because markets rise more often than they fall, putting a lump sum in sooner has usually beaten drip-feeding it, since your money...
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