poiso
poiso · journal

Money, unfooled.

Long reads, short reads, and the occasional rant about why your bank's "wealth manager" doesn't have your interests at heart. Fortnightly. Free.

Editor's pick

The 40-year mistake hidden in your EPF.

Most people set up their EPF and never look at it again. We ran the numbers on what a 0.4% expense difference does to the median Indian's retirement corpus over a working lifetime. The answer is bleak. The fix takes seven minutes.

Long read14 minMar 28, 2026
Tax

The new tax regime: a flowchart that won't lie to you.

We built a 9-question decision tree. Answer them honestly and you’ll know which regime to pick this April.

8 minMar 22, 2026
Mindset

Why your parents bought gold and you should too.

A cultural and quantitative defense of allocating 5-10% of net worth to a metal that does nothing.

6 minMar 18, 2026
Investing

The three-fund portfolio for a 25-year-old.

Stop overthinking it. Three index funds, set up over coffee, beat 90% of "active" advice over 30 years.

10 minMar 14, 2026
Investing

I tried to day trade for a month. Here's the receipt.

A diary of one optimistic engineer’s month with Zerodha Kite. Spoiler: the broker won.

12 minMar 10, 2026
Crypto

Crypto in a portfolio: 0%, 1%, or 5%?

A sober framework for sizing risky-but-non-zero positions. No moonshot talk. No NFT slides.

7 minMar 5, 2026
Planning

A house, a kid, a sabbatical: ranking your goals.

You can’t fund every goal at once. Here’s a five-step process for prioritising without resentment.

11 minFeb 28, 2026
Mindset

The boring portfolio that compounded my friend rich.

Two index funds. One ELSS. One PPF. Held for 18 years. The least Instagrammable success story you’ll read.

9 minFeb 22, 2026
Investing

What does "market is overvalued" actually mean?

A short guide to the P/E ratio, the CAPE, and what every Twitter doomer means when they shout these letters.

6 minFeb 17, 2026
Tax

I lost ₹1.4L to capital gains tax. So you don't have to.

A confessional. Three mistakes, all preventable. A checklist for the next financial year.

5 minFeb 12, 2026
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