Start Here
Newest-first is the order I wrote things in, not the order they make sense in. This is that second order — every published piece, once, with each format it exists in on the same line.
Start with why
What compounding actually does over a working life, and what it costs to notice late.
The building blocks
A series covering one piece of a portfolio at a time. If you read nothing else, read these in order.
- Managing Money Flows Video · Slide
- Emergency Fund Setup Video · Tool · Slide
- Financial Tools Video · Slide
- Equity & Index Funds for Building Wealth Video · Slide
- How to Invest in Gold for Building Wealth Video · Slide
- How to Invest in Debt for Building Wealth Video · Slide
- My Asset Allocation & Rebalancing Video · Slide
- 💳 Credit Cards: Usage, Risks & Smart Practices Video · Slide
- Managing Money Flows 2026 Video · Slide
Borrowing, and what it really costs
Debt is not the enemy. Paying for it twice is.
- Why Debt Is a Tool — Not an Enemy Video · Slide
- ₹1 Crore Home Loan — The Reality Video · Slide
- RealValue EMI Engine Blog · Video · Tool
- My Credit Card Stack: Consolidating to 3 Banks and 3 Networks Blog
Investing beyond India
The largest subject here, and the one with the most moving parts. Start with the book; the posts below are the parts that changed after I wrote it.
- The Global Indian Investor Book
- India Is Just 3% of the World Market — Why I Invest Globally Video · Book
- How to Invest in NASDAQ 100 from India (Mutual Funds, ETFs, and IBKR Guide) Blog · Video · Slide
- Why Rule-Based Global & Multi-Asset Portfolio Beats a Single Multicap or Flexicap Fund Blog
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) Video · Slide
- 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
- RealValue FX Engine Tool
Running the portfolio
Buying is the easy part. This is the rule set that keeps a portfolio on course without watching it daily, and the tools that apply it.
- Perpetual Rebalancing: A Practical Framework for Long-Term Wealth Blog
- Why Static SIP Allocation Is Inefficient (And How Cashflow Rebalancing Fixes It) Blog
- Perpetual Rebalancing: Engineering a Mathematically Superior SIP Allocator Blog
- The Perpetual Rebalancing Framework Blog
- Red Days = Productive Days: Portfolio Reset Video · Slide
- RealValue SIP Engine Blog · Video · Tool
- RealValue Family SIP Allocator Video · Tool
- RealValue Portfolio Tool
- Xfina Tool
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 Portfolio: Returns, Allocation and Strategy — Edition 1 Blog
- State of the 1 Portfolio — Returns, Allocation & Rebalancing (May 2026) Blog
- State of the 1 Portfolio — Returns, Allocation & Rebalancing (June 2026) Blog · Video
- State of the 1 Portfolio — Returns, Allocation & Rebalancing (July 2026) Blog
- State of the 1 Portfolio — Returns, Allocation & Rebalancing (August 2026) Blog