Insights
Slow writing on markets and money.
Data-driven essays on India, US, UK, and crypto. Math always. Tips never.
India / Regulation · 11 min · New
SEBI's F&O rules 18 months on: what the data shows
Six measures, ₹1.81 lakh crore in retail losses, and what changed when SEBI raised lot sizes. With SEBI sources.
India / US · 11 minNIFTY 50 vs S&P 500: 25 years of real numbers
Currency-adjusted, drawdown-adjusted long-term comparison. Which actually delivered more for Indian investors?
India / Tax · 13 minBest tax-saving investments in India 2026
ELSS vs PPF vs NPS vs ULIP. The post-tax CAGR table, with the math.
Behaviour · 10 minWhy 89% of day traders lose money
SEBI's data on 9.5 lakh F&O traders. Why retail intraday is structurally negative-EV.
India · 9 minSIP vs Lumpsum in India 2026
25 years of NIFTY data on the classic SIP-vs-lumpsum question.
Crypto · 8 minBitcoin halving cycles, explained
Why the four-year cycle exists, what the data shows, and what it can't predict.
Math · 7 minXIRR vs CAGR — which one matters?
Two return numbers, one shows what you actually earned. Worked examples in INR.
New essays roughly every other Sunday. RSS feed.