We write about investing, travel experiences, and things we learn along the way — honestly and without noise.
Latest Posts
Indian Stock Market 2025: Real Returns from MF, PMS & Stocks (21% vs -10%)
The Sensex delivered 0% returns over 14 months, but is the Indian equity market still worth it? This detailed analysis shares real family portfolio data: mutual funds at 13-15% XIRR, a self-managed portfolio hitting 21.3%, direct stocks at 12-13%, and PMS lessons learned. Discover what actually worked for equity investors in 2025.
Altgraaf Review: Real Results from ₹85 Lakh Invested in Invoice Discounting
Considering invoice discounting through Altgraaf? This detailed review shares real investment data from 60+ transactions worth ₹85 lakh over one year. Discover actual returns, platform performance, All Smart product analysis, regulatory risks, and whether Altgraaf deserves a place in your fixed-income portfolio.
Should You Invest in Bonds? Real Data from ₹90 Lakh Investment Over 1.5 Years
Thinking about investing in bonds? This detailed analysis shares real investment data from 100 transactions worth ₹89.49 lakh over 1.5 years on Grip Invest. Learn about bond performance, SDI delays, actual returns, and whether fixed income investing suits your portfolio in 2025.
How India’s Ultra-Rich Legally Minimize Income Tax: The HNI Playbook Revealed
Introduction Ever wondered why India’s ultra-rich seem to pay proportionally less tax despite their enormous wealth? The answer isn’t tax evasion—it’s sophisticated tax planning. High-Net-Worth Individuals (HNIs) meticulously structure their finances to work within the Indian Income Tax Act, transforming what could be a 42.74% tax liability into rates as low as 12.5%. The secret
The Age of Digital Dictatorship: When Seeing Is No Longer Believing
We used to say “seeing is believing.” But today, tech platforms decide what we see—and what we believe. Welcome to the age of digital dictatorship, where power has shifted from governments to algorithms. From Cambridge Analytica to surveillance capitalism, our data is being weaponized. The question is stark: Can democracy survive when technology controls the…
Should You Invest in Cryptocurrency? A Practical Guide for Indian Investors
Comparing cryptocurrency with mutual funds, gold, or real estate would be foolish. But should you ignore it completely? I don’t think so. Let me explain why and how you should approach this emerging asset class. Why Crypto Deserves Your Attention 1. The Returns Are Hard to Ignore Bitcoin has delivered exceptional returns over the years:
About Us
Welcome to our little corner of the internet! We’re Shraddha & Bhishma, a husband-and-wife duo sharing our thoughts, experiences, and discoveries. Shraddha writes about art, home, and creative living, while I cover finance, business, travel, startups, and productivity. This website is our way of documenting what we learn and love — and we hope it inspires you too