AssetAllocation

The “Latte Factor” is a Lie: Why Your ₹200 Coffee Isn’t Killing Your Wealth

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The “Latte Factor” is a Lie: Why Your ₹200 Coffee Isn’t Killing Your Wealth We’ve all heard the lecture: “If you just stopped buying that daily coffee and invested that ₹300 into an SIP instead, you’d have ₹1 Crore by retirement!” It’s the classic “Latte Factor” made famous by David Bach. It sounds logical, right? … Read more

Stop Saving, Start Allocating: Why Your Savings Account is a Wealth Trap

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Since we were kids, we’ve been told: “Beta, save your money.” We were given piggy banks, then savings accounts, and eventually FDs. We were taught that “saving” is the ultimate financial virtue. “But here is a hard truth for 2026: Saving is a stagnant mindset. In an era of 6-7% inflation and rapidly shifting markets, … Read more