Insights
Slow writing on markets and money.
One essay every fortnight. India-first, but with regular looks at the US, UK, and crypto. Always math. Never tips.
India · 9 min read
SIP vs Lumpsum in India 2026
A data-driven look at 25 years of NIFTY data to settle the SIP-vs-lumpsum question for Indian investors.
Crypto · 8 min readBitcoin halving cycles, explained
Why the four-year halving cycle exists, what the data actually shows, and what it can't predict.
Math · 7 min readXIRR vs CAGR — which one matters?
Two return numbers, one shows you what you actually earned. Worked examples in INR.
New essays land roughly every other Sunday. Older essays are archived without changes. RSS feed.