A falling market is not automatically a buying opportunity
Price declines can create opportunity, but the right question is whether business quality, valuation and the risk-reward have improved.
Finance · Markets · Investing
Finance & Markets
A practical space for market observations, company analysis, valuation, investing concepts, personal finance, tax and business finance.
01 — Insights
Ideas that remain useful
after the market closes.
Build your financial decision around cash flow
Salary, debt, emergency liquidity, insurance, investments and taxes are interconnected. Good financial planning starts with visibility of cash flows.
How to read a stock beyond its P/E ratio
Valuation is a starting point, not the conclusion. Earnings quality, ROCE, debt, cash flow and reinvestment determine what a multiple really means.
Crude oil is an important variable for India
Because India imports a large share of its crude requirement, oil can influence inflation, the rupee, the current account and corporate margins.
02 — Topics
Areas worth understanding.
01
Markets & Investing
Cycles, risk, valuation, portfolio construction and long-term investing principles.
02
Stocks & Companies
Business quality, earnings, balance sheets, cash flow and valuation.
03
Personal Finance
Cash flow, debt, insurance, investing, retirement and financial discipline.
04
Tax & Accounting
Practical concepts around Indian tax, accounting, working capital and financial reporting.
05
Banking & Housing Finance
Understanding lenders through asset quality, NIMs, capital and growth.
06
Commodities
Gold, silver, crude and the macroeconomic forces behind commodity prices.
03 — Calculators
Simple tools for better decisions.
CAGR
Calculate annualised investment growth.
SIP
Estimate the future value of monthly investing.
Lump Sum
Estimate future value of a one-time investment.
Dividend Yield
Calculate annual dividend yield from price.
P/E
Calculate price-to-earnings multiple.
Loan EMI
Estimate monthly repayment and total interest.
Working Capital
Estimate the cash tied up in operating cycles.
Rule of 72
Estimate how long money may take to double.