Insights · From the research desk
The brief we send our clients, made public.
One essay a month, drawn from the research desk’s monthly cycle. On Indian mutual fund investing, fund category dynamics, and the behaviour gap that decides whether you actually earn what your funds return.
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One email a month
The same fund analysis we send our clients, in your inbox on the first Monday.
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The first three essays
Why your 5-year SIP returned 8% when the fund returned 13%
The 5.3 percentage point gap between the average fund return and the average investor return is the most consequential number in Indian retail investing. It is not a fund-selection problem. It is what happens between the SIP start date and the second market correction.
Read essay Coming Q3 2026
How to think about a fund that has grown too big
Every successful equity mutual fund eventually crosses a size threshold beyond which it can no longer pursue the same mandate that made it successful. Most distributors keep recommending it anyway because the brand has cachet and the trail commission is reliable.
Read essay Coming Q3 2026
Why we do not compare ourselves to the DIY platforms
Direct Plans saved Indian retail investors a meaningful amount of money. They also created an unforeseen consequence: nobody on the phone during a correction. The DIY platform model and the research-led MFD model are not competing for the same investor.
Read essay Coming Q4 2026
Planning guides · PDF
The SIP Planning Guide
How to choose your monthly amount, your duration, and the right step-up schedule. What to do when the market drops twenty percent.
Open SIP calculatorThe Retirement Planning Guide
How much you actually need, when you actually need it. The four mistakes that wreck retirement plans. The withdrawal sequence for a thirty-year window.
Open retirement calculatorThe Goal-Based Planning Guide
How to structure goals so they survive contact with market reality. Bucketing, time horizons, and templates for the five most common goals.
Open goal calculator03 · Office hours
Bring a question to the research desk, monthly.
First Friday · 11:30 am–12:30 pm IST
An open one-hour Zoom for anyone who wants to ask the research desk a question. Bring a fund you own, a category you are confused about, or a goal you cannot work out. No agenda; we field questions for an hour.
Get the calendar invite04 · The CEO on LinkedIn
Equity research, fund behaviour, market cycles. Twice a week.
LinkedIn · weekly
The CEO posts twice a week on the research desk’s reading of the Indian equity market, fund manager interviews, and decisions we made and why. The shortest commitment if you want to hear from us regularly without joining the newsletter.
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