The archive
All articles
Every guide and analysis from the Investment Shastra desk, newest first.
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Illusion of Validity and Power of Process
There are only handful of fund managers who have beaten an index for more than 10 years, in India and abroad.
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Should we expect a positive return every year from Equity?
As year-end approaches, newspaper and media compare returns of every asset like Equity, fixed deposits and gold. What purpose does this comparison serve?
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December 2018: MoneyWorks4me Outlook
Nifty Total Return Index (Nifty including dividends) earned 5.6% for 2018 and 12.3% CAGR in last 3 years.
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How to choose the Best ELSS Mutual Fund?
ELSS or Equity Linked Savings Scheme is like any other equity mutual fund scheme, with a crucial difference in offering tax benefits.
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Best Time to Invest in Mutual Funds: Avoid Performance Chasing
Best Time to Invest in Mutual Funds is one of the most misunderstood questions in investing. Investors are often told to ignore timing completely and simply continue SIPs.
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Future upside is more useful than past performance before investing in Mutual Funds?
Discover why timing matters when investing in mutual funds, and how to avoid underperformance using upside potential, not past returns.
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Risks in investing and the Role of an Advisor
Since childhood we have heard and internalized this saying, “No risk, No gain” . We have learnt that Fixed Deposits in State Bank of India is the safest.
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Is there a right time to invest in equity?
Since childhood we are told, there is right time for everything in life.
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Investing During Elections: Should Political Events Affect Your Investment Decisions?
When Charlie Munger and I buy stocks – which we think of as small portions of businesses – our analysis is very similar to that which we use in buying entire businesses.
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Are you worried about elections (events) before you invest?
learn why warren buffett and Charlie munger treat stocks as businesses, why events like elections or trade wars shouldn’t stop long-term investing.
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Financial Planning: Ravi, 34
Financial Planning for Ravi, 34, plans to quit his job and start his own business Ravi, 34, has worked as a consultant for almost 10 years now, while his wife, Rohini, works in a bank.
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Why chasing top performing funds is a bad idea?
MoneyWorks4me ‘Implied Investor Returns’ show that investor returns are lower than mutual fund returns over long time periods.

