From the Trinabh Journal
Long-form notes on investing, wealth, and the practical decisions families face. Written for the thoughtful investor.
Latest Posts
Why SIPs Beat Lump-Sum in Volatile Markets
The math behind rupee-cost averaging — and why discipline still outperforms timing across most 10-year windows.
NRI Tax: TDS on Mutual Funds Explained
How DTAA works, what gets withheld at redemption, and the documents you need to claim refunds correctly.
Bond Ladders for Retirement Income
A practical playbook for building a five-year ladder that delivers stable, tax-efficient cash flow.
The Quiet Cost of Bundled Insurance
Why endowment plans and ULIPs underdeliver as both insurance and investment — and what to do if you already own one.
LTCG Harvesting: The ₹1.25 Lakh Habit
How to systematically use the LTCG-free threshold each year to compound post-tax wealth quietly.
Asset Allocation Beats Stock Picking
Why the Plan pillar — getting the equity-debt-alternatives mix right — explains 90% of long-term outcomes.
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