Investment Gyan
REITs vs Equity: Which Builds Long-Term Wealth in India?
REITs offer income and stability, equities offer growth. The long-term answer in India is rarely one or the other, and the reasons are structural.
Insights
Notes on markets, money and method.
Research notes on mutual funds, asset allocation, insurance and personal finance from iCatalyst Capital, an AMFI-registered mutual fund distributor in Bengaluru.
Investment Gyan
Inside Rakesh Jhunjhunwala's Portfolio: What His Asset Allocation Teaches Us
Rakesh Jhunjhunwala's portfolio combined concentrated conviction bets with broad sector coverage. Here is how it was built and what individual investo
Inflation
The Interest Rate Cycle and Inflation: A Balanced Path for India's Economy
Ultra-low inflation looks like a win for consumers. It is closer to a warning sign, and India's demographics make the return to moderate inflation a q
Taxation
How to Navigate Taxation Changes in FY 2025-26 in India
The new financial year brings a reworked tax structure, a higher Section 87A rebate and revised slabs. Here is what changed and how to plan around it.
Health and Life Insurance
Family Floater vs Individual Policy: Which One Is Better?
Family floater and individual health policies split coverage very differently. Here is how family size, age and health history should decide which one
Health and Life Insurance
Claim Settlement Ratio vs Incurred Claim Ratio: Both Matter When Buying an Insurance Policy
Claim Settlement Ratio and Incurred Claim Ratio measure two different things about an insurer. Reading them together tells you far more than either on
Investment Gyan
The Rule of 72: How to Quickly Calculate When Your Investment Will Double
The Rule of 72 is a centuries-old shortcut for estimating how long money takes to double. Here is the maths behind it and how to apply it to your own
Health and Life Insurance
Super Top-Up Policies: The Mathematical Analysis of When They Make Financial Sense
A super top-up adds a second layer of health cover once your claims cross a deductible. Here is the arithmetic that decides whether one belongs in you
Behavioral Finance
The Psychology of Panic Selling and How to Train Your Brain Against It
Market crashes trigger a fear response that overrides rational judgement. Here is what drives panic selling and the habits that keep it from costing y