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Long-term goals, short-term minds: The hidden investing conflict

A question that sounds logical but isn’t

8 hrs ago • Pavan Dev Singh Charak

There is no point chasing returns and that’s the point

I was speaking to a college friend recently.

Dec 31, 2025 • Pavan Dev Singh Charak

The investment that fails first is often your health.

This post is relevant for Indian users only.

Dec 28, 2025 • Pavan Dev Singh Charak

The Cost of Knowing More and Acting Less

The Illusion of “More Learning” in Investing

Dec 22, 2025 • Pavan Dev Singh Charak

Why higher income isn’t making you richer

When instant gratification becomes the norm, patience becomes your only edge.

Aug 11, 2025 • Pavan Dev Singh Charak

"You don’t need to be rich to invest. You just need to start"

Retirees

Nearing retirement? Here’s how to exit equity funds safely

Don’t wait for the final year. Use this phased approach to protect your hard earned corpus.

Jul 2, 2025 • Pavan Dev Singh Charak

Plan your retirement income with confidence

Use this step-by-step worksheet to build a calm, sustainable income system that works for you

Jul 2, 2025 • Pavan Dev Singh Charak

A retirement income plan that helps you sleep well

Use annuities for stability, SWPs for control. Together, they protect your lifestyle and dignity

Jul 2, 2025 • Pavan Dev Singh Charak

How to redeem debt funds near retirement without stress

Segment by time horizon, manage taxes, and keep liquidity buffers. Here's how

Jul 2, 2025 • Pavan Dev Singh Charak

Retirement isn’t tax-free. It’s salary-free.

Use this guide to legally lower taxes, protect wealth, and make smarter withdrawals post-retirement.

Jun 30, 2025 • Pavan Dev Singh Charak

New couples

Should you invest or repay loans first? A 30-year-old’s dilemma solved

At 30, your surplus can buy freedom or regret. Use it wisely with this guide.

Jul 31, 2025 • Pavan Dev Singh Charak

Your raise deserves more than just a new phone

From school fees to Goa trips learn to absorb upgrades without losing balance.

Jun 27, 2025 • Pavan Dev Singh Charak

You don’t need a baby to start planning like a parent

₹1.5 crore in 15 years? The earlier you begin, the less you stress.

Jun 27, 2025 • Pavan Dev Singh Charak

Young, married, and renting? You still need a will

If you love someone, leave them clarity not chaos. A guide for young couples.

Jun 27, 2025 • Pavan Dev Singh Charak

Teach your child to use money with intent, not fear

A step-by-step guide for Indian couples raising financially wise kids.

Jun 27, 2025 • Pavan Dev Singh Charak

Your First Job, Your Financial Launchpad

That new car or Europe trip? First, run this upgrade test

Upgrades aren’t bad just dangerous if unplanned. Use this decision tree to stay rich and feel rich.

Jun 25, 2025 • Pavan Dev Singh Charak

How to plan a 1-year break (without pausing your compounding)

A sabbatical isn’t risky poor planning is. Use this step-by-step framework to pause without breaking your future.

Jun 25, 2025 • Pavan Dev Singh Charak

Is your EMI eroding your SIP?

Before you commit to a 20-year EMI, see the rent vs buy math and what freedom really costs.

Jun 25, 2025 • Pavan Dev Singh Charak

Quitting your job? Don’t forget this critical protection

Freelancers, founders, sabbatical-takers : your coverage disappears the moment you go solo. Build it right.

Jun 25, 2025 • Pavan Dev Singh Charak

Most investors don’t lose money in crashes

Most SIPs are broken not by crashes but by emotions. Use this 7-step framework to stay the course.

Jun 25, 2025 • Pavan Dev Singh Charak

40 year couple

At 8% Inflation, your lifestyle doubles every 9 years

₹1L/month today becomes ₹4L in 18 years. Here’s how to build a retirement plan that keeps up.

Jun 30, 2025 • Pavan Dev Singh Charak

Before the illness, comes the bill

The most forgotten financial goal after 50 is medical preparedness. Fix it before it becomes urgent

Jun 30, 2025 • Pavan Dev Singh Charak

Teaching kids about money? Here’s what to do by age 6, 10, and 15

This guide helps you turn daily expenses into lifelong money lessons starting now.

Jun 30, 2025 • Pavan Dev Singh Charak

When couples don’t agree about money ,what then?

Financial tension in your 40s isn’t about the numbers , it’s about values. This guide shows how to align.

Jun 30, 2025 • Pavan Dev Singh Charak

Your salary grew. Your SIPs didn’t. now what?

If your spending doubled but your investing didn’t, your retirement may be at risk

Jun 30, 2025 • Pavan Dev Singh Charak

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