Start Here
This is a curated list of articles structured as a learning path, guiding you
from basic to advanced concepts.
Each piece appears once, with every format
available on the same line.
Table of Contents
- Start with why
- The building blocks
- Borrowing, and what it really costs
- Build and run the portfolio
- Investing beyond India
- Then file the tax
- Watch it happen
- Tools & Infrastructure
Start with why
What compounding actually does over a working life, and what it costs to notice late.
The building blocks
This is the core sequence. If you’re new to investing, start here.
Managing Money Flows
Emergency Fund
Core Investments
- Financial Tools Slide · Video
- Equity & Index Funds for Building Wealth Slide · Video
- How to Invest in Gold for Building Wealth Slide · Video
- How to Invest in Debt for Building Wealth Slide · Video
Borrowing, and what it really costs
Debt is not the enemy. Paying for it twice is.
Credit Cards
Used to reduce cash drag in the bank account and rewards indirectly as extra earnings.
- 💳 Credit Cards: Usage, Risks & Smart Practices Slide · Video
- My Credit Card Stack: Consolidating to 3 Banks and 3 Networks Blog
Build and run the portfolio
What should you own, how do you maintain it, and the tools to do so without watching it daily.
- Why Rule-Based Global & Multi-Asset Portfolio Beats a Single Multicap or Flexicap Fund Blog
- My Asset Allocation & Rebalancing Slide · Video
- Red Days = Productive Days: Portfolio Reset Slide · Video
The Perpetual Rebalancing Framework
- Why Static SIP Allocation Is Inefficient (And How Cashflow Rebalancing Fixes It) Blog
- The Perpetual Rebalancing Framework Blog
- Perpetual Rebalancing: A Practical Framework for Long-Term Wealth Blog
- Perpetual Rebalancing: Engineering a Mathematically Superior SIP Allocator Blog
Investing beyond India
The largest subject here, and the one with the most moving parts. Start with the book (The Global Indian Investor); the posts below are the parts that changed after I wrote it.
The Global Indian Investor
A Practical Guide to LRS Remittance, International Brokers, and Building a Global Portfolio with Irish ETFs
- Chapter 1: Why Beyond India? Book · Video
- Chapter 2: 3 Paths to Global Investing for Indians Book
- Chapter 3: How to Transfer Money Efficiently? Book
- Chapter 4: FX Retail - A Deep Dive Book
- Chapter 5: The Opportunity Cost of TCS Book
- Chapter 6: What to Buy - Irish ETFs vs US ETFs Book
- Chapter 7: Selecting the Global Indexes Book
- Chapter 8: Selecting the Broker Book
Getting the money out, cheaply
Remittance is where the avoidable costs hide. This is the same journey, run several ways, with the numbers each time.
- Funding Interactive Brokers from India Using FX Retail Blog
- Stop Paying ₹1.5/USD! Cut Forex Markup When Funding IBKR (India Guide) Slide · Video
- INR to USD: FX Retail Web vs FX Retail Bharat Connect vs Direct Bank Rates Blog
- FX Retail via Bharat Connect: Private Bank Speed at Public Bank Rates — A Live Transaction Walkthrough Blog
- FX Retail via BHIM Bharat Connect: An 11-Day Lien and What It Actually Cost Blog
- Bank of Baroda FX Retail for IBKR: From a ₹0.10 Per USD Markup to an Additional Foreign Bank Charge Blog
Then file the tax
The part nobody covers, because it is tedious and changes every year.
- Using Form 12BAA to Reduce Cashflow Drag on International Investments Blog
- Demystifying ITR-2: My FY 2025-26 Tax Filing Journey Blog
Watch it happen
What I actually hold, published monthly — allocation, drift, what I bought and why. The framework above, applied to real money.
- State of the 1 Portfolio — Returns, Allocation & Rebalancing (September 2026) Blog · Video
- State of the 1 Portfolio — Returns, Allocation & Rebalancing (August 2026) Blog
- State of the 1 Portfolio — Returns, Allocation & Rebalancing (July 2026) Blog
- State of the 1 Portfolio — Returns, Allocation & Rebalancing (June 2026) Blog · Video
- State of the 1 Portfolio — Returns, Allocation & Rebalancing (May 2026) Blog
- State of the Portfolio: Returns, Allocation and Strategy — Edition 1 Blog
Tools & Infrastructure
Infrastructure and tooling projects that power the systems above.
Tracking & Planning
Projection Engines
Open source projects
- Xfina Tool