One might expect passive funds to mirror the returns of the index, but in practice, they always underperform. The difference in performance is where three metrics—Expense Ratio, Tracking Error and Tracking Difference—come into play. Some folks …

If you have filed taxes on foreign RSU income, you know how notoriously tedious and error-prone calculating capital gains can be. One needs to go over each sale transaction, make a note of the acquisition date, sale date, number of shares, sale …

Recently, my wife and I spent a week in Sri Lanka with our toddler son. The whole experience was quite amazing, but there were some unexpected learnings I thought I’d share: Getting a Local SIM is Trivial I was able to get a working, local Sri …

“Do I invest via PMS?” is a question that pops up every now and then. I haven’t tried Portfolio Management Services (PMS), and have no intention of doing so. This post details my reasons. Downsides of Active Investing PMSs, by …

If you browse any credit card forum, you will quickly notice an obsession with Life-Time Free (LTF) cards. There are innumerable queries about how to get one, and countless show-off posts when someone gets a premium card without any annual fees. I …

We have previously discussed why you should frequently sell your employer-granted RSUs (Restricted Stock Units). But the rules governing the proceeds from sale of the RSUs were archaic and cumbersome. I recently came across some regulatory changes …

Goal-based investing (“Accumulate X amount by date Y to be able to do Z”) has become quite prevalent in recent times. However, its implementation for long-term goals requires a careful step that few people do—reduce equity allocation as …

Like death and taxes, stock market crashes are a matter of when, not if. While crashes invariably cause pain, they also provide an opportunity to save on taxes by enabling tax loss harvesting. But first, what is tax loss harvesting? The essential …

Browsing LinkedIn, especially being a product manager, can be depressing and intimidating. You will notice that everyone is a leader, a visionary or a futurist, working on the coolest AI features, and responsible for entire lines of products. They …

Google’s publicly-available AI offering has come a long way from the days of Bard. While the Gemini Flash model, available for free at gemini.google.com, is quite capable, it often falls short of the capabilities of the most advanced models …