Pillar · 10 May 2026 · 35 min read
A definitive long-form manual on GIFT City — India's first International Financial Services Centre. The Mauritius arc that made GIFT City structurally necessary. The IFSCA effect since April 2020. The product menu — IFSC mutual funds, AIFs, IBUs, IIBX, aircraft leasing, PMS. How residents access GIFT City through LRS, TCS, the A2 form. Four frameworks for the decisions that matter — for HNIs, NRIs, family offices, and CXOs.
GIFT City · IFSCA · LRS · NRI · HNI · Cross-border wealth
Article · 10 May 2026 · 13 min
The formula every Indian investor should use, including the post-tax layer most calculators leave out. The April 2023 amendment that quietly re-ranked the fixed-income shelf, the 24-percentage-point surcharge gap between interest and equity LTCG, and what survives the formula at the 39% HNI slab.
Real return · Fisher equation · HNI tax
Pillar · 9 May 2026 · 40 min
A deep, historically grounded manual on how Indians can own gold in 2026. Six routes deeply compared. ETF mechanics, stress events (1933 confiscation, 1991 sovereign airlift, 2013 NSEL) documented. Taxation reset analysed. Seven frameworks for the decisions that actually matter.
Gold ETF · Stress events · Frameworks
Article · 9 May 2026 · 13 min
After the SGB pause and NSE's EGR launch on 4 May 2026, Indian investors now have six routes to own gold. They are not substitutes. Each does a different job in a portfolio — and the question worth asking is which job, not which route.
EGR · Gold ETF · SGB · Asset allocation
Article · 4 May 2026 · 14 min
SIFs are a new SEBI-regulated mutual fund category that allow long-short equity strategies with a ₹10 lakh minimum. In March 2026 — the first real correction since launch — the gap between the best and worst SIF was 9.15 percentage points. The instrument gives a skilled fund manager room to protect capital, and an unskilled one room to destroy it.
SIF · Long-short funds · SEBI · Hybrid strategies
Article · 5 May 2026 · 18 min
How long does ₹50 crore last on ₹10 lakh monthly spending? The math, the sequence-of-returns risk, the three-bucket framework, and the mistakes Indian CXOs make at retirement.
Retirement · Sequence of returns · Bucket strategy