Most people start at step three. The first two are what keep step three from being undone.
Almost every first conversation begins with "which fund should I buy?" — and almost every one of them should have begun two steps earlier.
Done out of order, a single hospitalisation or a three-month gap in income can undo four years of disciplined investing.
The sequence is boring, which is most of why it gets skipped — and most of why it works.
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Investing ₹15,000 every month for 15 years at 12% p.a.
Not a slogan about compounding. The number, worked out: a five-year delay removes about half the final corpus, and the proportion does not change with the amount.
Read more →Mutual FundsExpense ratio, portfolio turnover, rolling returns, drawdown and mandate drift.
Read more →RetirementInflation-adjusted expenses, healthcare buffers and safe withdrawal rates.
Read more →Bring your goals and your current position. You'll leave the first conversation with a clear first step, whether or not you work with us.
