Skill or Luck?

by | Oct 11, 2025 | Personal Finance

Imagine walking into a casino and winning all 5 bets in a row. Are you really skillful… or just plain lucky? What actually defines skill? Does having skill guarantee results? Even a qualified doctor can’t promise perfect health — so how do we measure skill in our...

What Can go wrong ?

by | Sep 25, 2025 | Personal Finance

All asset classes—gold, real estate, bonds, equities—are shining. Mutual fund SIPs are at record highs, IPO collections are breaking records, numerous thematic Mutual funds NFO’s are launched, tax rates are being reduced, and AI mania is fueling optimism. Everything...

Importance of Diversification

by | Sep 22, 2025 | Personal Finance

In our client interactions, we often come across two common situations: Individuals with large exposure to their own companies through Employee Stock Options (ESOPs). Individuals who build concentrated bets on certain sectors or strategies due to their knowledge or...

Noise and Expertise

by | Sep 18, 2025 | Personal Finance

I recently had a very interesting conversation with one of our doctor clients. He mentioned that many patients today walk into consultations after doing research on Google or ChatGPT. His view was that this often wastes valuable time, since every case is unique and...

Price of Good Advice

by | Sep 15, 2025 | Personal Finance

Once, an individual was driving a high-end car when it suddenly broke down. Fortunately, an engineer happened to pass by. The owner asked for help. After carefully examining the engine, the engineer pointed to a spot and asked a passerby carrying a hammer to strike...