Insights & letters
The ideas behind boring advice and beautiful outcomes — articles, client letters, and fortnightly notes. Written for education and perspective, not as individual investment advice.
New to a term? See FAQ — financial jargon, demystified.
Issue F12 · 1 October 2026
The floor that is holding, and the fashion that is not, the worst September since 2018, in numbers, a duty rumour, worked out in arithmetic, the turkey that was fed for a thousand days - and the gold that may already be in your equity fund.
Issue F11 · 15 September 2026
What an elephant-headed god and an engineer both know about obstacles, Sapna on ten crore accounts and one nagging question, oil, Iran, and the foreign money that left again, what your SIP could actually have afforded - and the fund that made money while its investors didn't.
Issue F10 · 1 September 2026
The nomination rule arrives today, Sapna on the two investors inside one statement, foreign money stayed, a rough Thursday at the closing bell, why your fund has a new name - and discipline's most convincing impostor.
Issue F09 · 15 August 2026
The richest person in the room, foreign money returns, India has changed, when the closing bell changed - and a lesson in patience.
Issue F08 · 1 August 2026
Bhanu on Kashi, Ayodhya and the discipline of standing still, Sapna on Ram, the Tirthankars and what hardship is actually for, a mid-fortnight scare, a quiet recovery, and a record SIP book - and the nomination rule every folio needs before September.
Special Edition · Real Estate vs. Equity
The full arithmetic of rent vs. SIP - the comparison almost everyone gets wrong, worked through cost by cost.
Issue F07 · 1 July 2026
Bhanu on the call that shaped this issue, Sapna on the SIF surprise, "my flat beat my mutual fund", ₹250 SIPs are coming - and the July 1 rulebook that touches your money.
Issue F06 · 15 June 2026
Why a falling market is a SIP investor's best friend, Rupee Cost Averaging, plainly explained — and a Tinsukia family's ten-year SIP story.
Issue F05 · 1 June 2026
Five editions of quiet compounding, India's K-shaped recovery, monsoon sectors to watch — and the chapter that changed how we advise.
Issue F04 · 15 May 2026
Flexibility and discipline, India's quiet bull market, exit loads easing — and the wisdom to stay.
Issue F03 · 1 May 2026
When the world feels noisy, direction still matters — staying in the game, India in context, and notes from the editor's desk.
Issue F02 · 15 April 2026
When markets feel uncertain, clarity becomes the edge — five-year goals, market pulse, and the founder's notebook.
Issue F01 · 1 April 2026
The fortnightly letter from the Dhansanchay desk — our full inaugural issue, online.
Articles — archive
Short notes from our desk
Educational pieces on behaviour, systems, and family finance — mostly from 2024–2026. Shorter than a manifesto; long enough to be useful.
NRI property in India: what FEMA allows and what it does not
Returning to India? The RNOR window your CA should explain
The April 2026 tax residency change: what NRIs earning in India must know
What a portfolio review looks like at Dhansanchay
Stopping your SIP during a correction
NRI guide — UAE: what Dhansanchay families in the Gulf should know
New Fund Offers and the ₹10 NAV trap
Reading your CAS beyond the total line
NPS: the retirement layer most professionals ignore
NRI guide — Singapore: what Dhansanchay families in Singapore should know
Boring advice is a feature: what we mean at Dhansanchay
Why we favour reviews tied to life — not to headlines
Next-generation money skills: conversations, not lectures
The protection conversation: having it before you need to
Writing a will: the letter your family should not have to guess
Power of Attorney and lockers: boring continuity
Side income and taxation: keep the story clean early
NRI nominations in India: the folio your family cannot find
HRA, rent, and family: rules first, love second
80C proof collection: paperwork as respect for your own money
Insurance for women: the cover that families forget
March tax-saving clutter: a calendar problem disguised as investing
The behaviour gap: what funds earn vs what investors earn
Anchoring to a high NAV: a number that is not your return
Reviewing old policies: keep, surrender, or make paid-up?
Recency bias after a good year: the risk of overconfidence
Herd instinct and festive offers: pause, then plan
Mental accounting: when "this money is different" costs you
Why business owners need keyman insurance — and rarely have it
Rupee stories and NRI remittances: keep the goal in rupees
Global diversification: calm framing for Indian families
US NRIs and Indian mutual funds: the PFIC problem explained simply
Gold in a portfolio: anchor, not a theatre ticket
SWP discipline in retirement: a pay cheque you design
When the agent shows up — the irreplaceable human in insurance
The sandwich generation: protecting two directions at once
Parents, money, and dignity: planning before urgency
When spouses disagree on risk: structure beats debate
Talking about money at the dinner table: values meeting maths
The NRE-NRO repatriation question: getting your money back home
The premium you pay vs the premium you avoid — a different cost calculation
Consolidating folios: clarity for you and the next generation
Direct plans: keeping more of your compounding
Expense ratios: small numbers, long horizons
Reading the scheme document: five minutes that matter
Star ratings tell you the past — not your behaviour next year
DTAA and mutual funds: how NRIs in Singapore and UAE may pay zero capital gains tax
Health insurance is not optional — after forty, it is urgent
Sector funds: excitement you pay for in sleep
Small caps, noise, and the case for staying in your lane
Why "best fund" lists age badly by the time you read them
Nomination is not succession — know the difference
Credit cards reward discipline and punish storytelling
Bonuses are windfalls — treat them like capital, not weekends
Capital gains tax for NRIs: what India deducts and what you can claim back
Lifestyle creep after a raise: the enemy in plain sight
Home loan prepayment vs investing: a framework, not a slogan
How much cover is enough? A framework, not a guess
ELSS and the March rush: tax saved, discipline lost
FD comfort vs debt funds: understanding when each fits
Inflation is the silent bid on your future spending
Retirement is not an age — it is a monthly number
Why young professionals think they do not need insurance — and why they do
NRI KYC and FATCA: the paperwork that protects your investments
Child education: why starting early is nearly impossible to regret
NRIs and the India book: distance is not a strategy
Nominations that actually reach the right person
The claim is the product — everything else is a promise
The overlap problem: when three funds behave like one
Fifty-one years of protection: what an agent from 1974 can teach us
Goals before gadgets: mapping money to dates that matter
Term insurance vs endowment: why we separate protection from investment
An emergency fund is not dead money — it is sleep money
NRI investing in India: the account you use decides everything
Medical cover for parents: why modest sums age badly
Term insurance first: the boring shield that clears the runway
When the market falls, the plan should do the talking
Human Life Value: the number your family needs to know
Stepping up your SIP when income rises — without living smaller
Why your first crore prefers patience to cleverness
Insurance liya kya? The question that built a practice
The quiet case for fewer funds in your core SIP book
Content is for general education only and reflects our editorial perspective. It is not a recommendation to buy, sell, or hold any security.