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The Small-Cap Liquidity Illusion: Why the NAV Looks Smooth But the Exit Isn't
A small-cap fund's daily NAV updates like clockwork, giving a false sense of how easily that money could actually be converted to cash in a crisis.
Read articleSurvivorship Bias: Why 'Average Fund Returns' Are Quietly Better Than Reality
Every mutual fund category average you've ever seen only counts the funds that survived long enough to still exist. The ones that failed simply vanish from the data.
Read articleRolling Returns: The Metric That Exposes Funds Hiding Behind Lucky Timing
A fund's headline '5-year return' depends entirely on which exact 5 years got picked. Rolling returns remove that luck — and most investors have never checked them.
Read articleSIP vs. Lump Sum: The Popular Advice Isn't What the Data Actually Shows
'SIP averages out risk' is repeated everywhere. Historically, lump sum investing has actually outperformed SIP most of the time — for a specific, under-explained reason.
Read articleXIRR vs. CAGR: Your SIP App Might Be Showing You the Wrong Return
CAGR only works for a single lump sum investment. If you're investing monthly through a SIP, CAGR quietly overstates or understates your real return — XIRR is the number that's actually correct.
Read articleThe 1% You Don't Notice: How Expense Ratio Quietly Eats Your Mutual Fund Returns
A 1% difference in expense ratio sounds tiny. Over 25 years of compounding, it can quietly cost you more than a lakh in retirement corpus per ₹1 lakh invested.
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