Blog

An option to move away from individual stocks to diversified alternatives without immediate tax hit Sid Roy 28 March 2026 With stock valuations soaring over the past few years, investors holding significant positions in individual stocks face a dilemma: whether to keep their portfolios concentrated or diversify into the broader market. The decision isn’t easy. On one hand, concentrating on a few companies exposes you to substantial risk and the possibility of missing out on broader gains. On the other, shifting to a more diversified portfolio can trigger a significant tax liability if it requires selling existing holdings. As such,…

Building a practical retirement income strategy for the years before tapping social security Sid Roy 4 February 2026 Planning for retirement is not just about saving — it’s about turning those savings into a reliable stream of income that lasts. As people approach the transition from working years to retirement, many wonder: How do I ensure my money supports me for decades without running out? This article breaks down key ideas behind a practical, resilient retirement income plan with a focus on the first decade after retirement. Retirement happens in phases Retirement is often imagined as a single chapter, but…

High Income. Monthly Distribution. Growth Potential. Too Good to be True? Souvik Dey 25 November 2025 Over the last few months, I’ve noticed several friends getting excited about a newer breed of stock funds called Covered Call ETFs. These funds are also popular more broadly due to their appeal of regular high income. How high, you ask? High enough to turn curiosity into temptation - and temptation into trouble. A typical, well-diversified dividend stock fund typically yields less than 4%. CDs and Treasuries can get you a bit above, and investment-grade bond funds may reach 6% depending on duration and…

Steps to bring clarity to your future finances Sanjib Saha 31 October 2025 In the last post, we defined Financial Clarity as knowing, with reasonable accuracy, how much we’ll have in each future years of our lives. We also saw that such projection requires estimated annual income and expense for each future year ahead. Today, we’ll explore how to get such estimates. For that, we introduce a simple but powerful concept called Money Stream. Think of your finances like the water in a bucket in the picture above. Your income sources are like the supply pipes pouring water in, raising…

What is Financial Clarity and Why should you care? Sanjib Saha 31 October 2025 If you’re wondering what “Financial Clarity” means, think of it as having a clear, long-term view of your future life, not just for a few years, but for as long as you live. It includes understanding what kind of lifestyles you want at different stages of life, what financial responsibilities you’ll fulfil for others, when and how you’ll handle retirement and post-retirement life, and how everything fits into one big picture. Financial Clarity means knowing how much money is coming in, where it’s going, the state…

Beyond Borders: Building a Truly Global Portfolio as an Indian Investor Souvik Dey, Sid Roy & Sanjib Saha 19 August 2025 For Indian investors, retirement planning starts at home — but it shouldn’t stop there.Government-backed retirement schemes and domestic equity SIPs can build a solid foundation, yet limiting yourself to the Indian market leaves your wealth exposed to concentrated risks and missing out on global growth opportunities. This article draws on a recent Dollar Mentor Ask, Learn, Share session, distilling the core advice: Make use of the conventional, domestic investment and retirement-saving tools in India, but expand your horizon with strategic investments…