Five pillars. One written plan.

Crypto trading

I started trading Bitcoin in the mid‑2010s, kept the journal going through three winters, and never stopped reading the chain. This is not a side‑hustle for me — it is the longest‑running line item on my own balance sheet.

For clients, crypto is treated as a small, deliberate allocation inside a much larger plan. Position sizing, exits, custody and India‑tax treatment are all written down before a single rupee moves.

• Spot & derivatives across BTC, ETH and a curated long‑tail
• Entry, exit and trailing‑stop framework you can read in one page
• Position‑sizing rules so a winter cannot end the portfolio
• Cold‑storage / multi‑sig custody guidance
• India‑tax aware exits · 30% rule, 1% TDS, set‑off limits
• Optional over‑the‑shoulder review for active traders

Stock market

Bottom‑up research with a bias toward owner‑operators, cash conversion, and managements that under‑promise. We hold few names, hold them long, and read the annual report front‑to‑back every year.

The portfolio is built to be boring on weekday afternoons. That is the point.

• Large‑ and mid‑cap stock research
• Sector rotation views — banks, IT, capex, consumption
• Pre‑IPO and SME watch‑lists with discipline
• Annual‑report deep‑reads — the boring 90‑page kind
• Rebalancing rules · trim winners, top up laggards
• Capital‑gains harvesting at year end

Mutual funds

Direct‑plan portfolio construction across equity, debt, hybrid and international. SIP architecture that survives bear markets, job changes and the birth of a child without you babysitting it.

If you are still in regular plans paying a 1% trail, the first thing we do together is a clean, tax‑aware migration.

• Goal‑mapped SIPs — retirement, child, house, freedom
• Regular‑ to direct‑plan migration with tax planning
• Debt & liquid allocation for short‑horizon money
• STP / SWP setup for lump sums and de‑accumulation
• Global allocation through FoFs and ETFs
• Annual fund review — the bottom quartile gets exited

Multi-asset stack

Sovereign Gold Bonds, REITs, InvITs, structured debt, NPS, PPF, EPF and Sukanya Samriddhi — each used as an instrument, not as a default. The portfolio earns the holding; the holding does not earn the portfolio.

We also write down what we are not holding — and why — so the next "hot" product gets a one‑line answer.

• Sovereign Gold Bonds & gold ETFs · ladder construction
• REIT & InvIT screens · yield vs. duration
• NPS Tier I / II allocation & 80CCD(1B) stacking
• PPF · EPF · VPF · Sukanya Samriddhi · the long‑duration base
• Liquid emergency cover — 6 to 12 months of expenses
• What we are not buying — and why

Cover, sized to your dependants

Insurance is a cost, not an asset. Sized to the people who depend on you, bought once, and never confused with an investment.

No ULIPs. No endowment plans. No commission‑driven moneyback policies. If you already hold one, we look at surrender vs. paid‑up in writing.

• Pure‑term life cover sizing — income replacement, not assets
• Family floater health audit · room‑rent & sub‑limits read out loud
• Top‑up & super top‑up sizing for catastrophic cover
• Personal accident & critical illness review
• Existing ULIP / endowment surrender analysis
• Claims advisory when life actually goes sideways