A perspective from Capt. Gurbinder — sailing master and ChartMyFunds contributor. This is the first in a short series he’s writing for us. The last goal should be the first target — that’s the whole argument of this piece, stated…
You’ll see the phrase “incidental advice” on our Disclosures page, and it probably reads like dry regulatory language you can skip past. It’s worth two minutes, though, because it actually explains something useful: exactly what kind of help you’re getting…
People sometimes ask why I became an AMFI-registered distributor after years of just giving advice informally. Here’s the honest answer. For most of my career, the conversations happened the same way. Someone would find me in the mess room, or…
In 2005, a mariner we’ll call Mr X took a car loan. ₹5,000 a month, for five years, paid off without missing an EMI — the responsible thing to do, or so it felt at the time. He never once…
Same SIP amount. Same assumed rate of return. Wildly different outcomes — just because of when each person started. That’s the power of compounding, and nothing illustrates it better than watching three mariners run the same numbers from three different…
Ask a shore-based professional when they’re retiring, and most can give you a rough year. Ask a mariner about sizing a retirement corpus, and the honest answer is often “it depends” — on rank, on medical fitness, on how the…
There’s a new category on the investment menu: SIF, or Specialised Investment Funds. What is SIF, in one line? SEBI’s answer to the gap between a mutual fund and PMS — more flexibility than a fund, without needing PMS-level capital.…
We ended our last post on a tease: insurance premium upfront vs annually isn’t the simple win it sounds like. Here’s the actual math behind that. The pitch: pay 3 years now, get a discount Insurers, within terms approved by…
The number in your bank account can stay exactly the same for a year, and you can still be poorer at the end of it. That’s inflation eats into savings in one sentence: prices rise, so the same rupee buys…
Every mutual fund you’ll ever look at — equity fund, debt fund, hybrid fund — comes down to just two basic ideas underneath. Once equity vs debt actually makes sense, the rest gets much easier to follow. Debt: lending money…