We celebrate International Women’s Day every year in March. But if we are being truly honest, women don’t need “Happy Women’s Day” forwards or wishes. What women needs is something very simpler, and much bigger and important: to be seen, to be respected, and to be treated fairly—every day. Because women don’t just live life. They […]

Introduction Let’s be honest—most of us avoid talking about money unless we absolutely have to. It’s either too stressful, too confusing, or just… not today. But here’s the thing: not thinking about it doesn’t make the problems go away. That’s where financial planning comes in. It’s not a fancy word reserved for the wealthy. It’s […]

For most mutual fund investors, money doesn’t go in as one lump sum. It is added bit by bit through SIPs, occasional top-ups, and sometimes partial redemptions. Because these cash flows happen on different dates and amounts, a single “beginning to end” return is misleading. That is where xirr becomes useful. It gives a single […]

The conversation around XIRR vs CAGR shows up every time an investor tries to decode a portfolio statement, a mutual fund fact sheet, or a back-tested model. Both are annualised return measures, but they answer slightly different questions. XIRR and CAGR sit next to each other in many dashboards, and yet a reader often wonders […]