Budget Planning for Salaried Employees in India — Step-by-Step
Your salary is a fixed, predictable monthly input. That makes budgeting easier for salaried employees than for anyone else. And yet, most salaried Indians…
Atmabhan Pandit
Founder, TWIST POOL Labs | TAC Research | First-principles finance educator.
How to Automate Savings and Investments in India
Willpower is unreliable. Systems are not. The wealthiest people you know are not more disciplined — they have automated their wealth-building so that…
How Much Should You Save Each Month? The 50-30-20 Rule for India
Every financial question eventually collapses to one: How much should I save? The 50-30-20 rule is the simplest, most widely validated answer — and it…
Personal Finance Basics for Indians — Complete Starter Guide
Most Indians were never taught money. School gave us algebra. College gave us degrees. Nobody gave us a balance sheet for our own life. The result?…
How to Calculate Your Net Worth — Indian Household Version
Most Indians know their salary. Almost none know their net worth. Your salary is your income. Your net worth is your score. These are completely different…
Financial Planning in Your 20s, 30s, 40s, 50s — India Guide
Every decade of your life has a different financial physics. The moves that build wealth at 25 are wrong at 45. The priorities at 35 are different from…
How to Build an Emergency Fund in India — Step-by-Step Guide
In 2020, tens of thousands of Indian salaried employees lost their jobs within 30 days. The ones who survived without selling their investments, without…
Asset Allocation: How to Balance Your Investment Portfolio in India
In 2008, a well-diversified Indian investor with 60% equity, 30% debt, and 10% gold watched their Nifty stocks fall 60%. Their portfolio? Fell only 28%.…
Volatility (IV): Understanding the Market’s Fear Factor
In the regular stock market, you only care about the price. In options trading, you must care about something invisible called Implied Volatility (IV).
Theta Decay: Why Time is the Enemy of the Option Buyer
If you buy a stock, you are buying a piece of a business. Time is your ally because compounding works in your favor. But the moment you buy an option, you…
Straddle and Strangle: Trading Pure Volatility
Most traders spend their lives trying to predict the Direction of the market. "Will the Nifty go Up or Down?" But what if you don't care about the…
The Protective Put: How to Insure Your Wealth
You have spent years building a great portfolio of Indian stocks like Reliance, HDFC Bank, and TCS. But suddenly, there is a global crisis—a war, a…