Built Long Before It Was Needed
A shipping route closes and the cost shows up within a fortnight. The capability that would have made the disruption survivable takes ten years to assemble.
The index · Topic
Asset Allocation
11 articles filed under this topic.
The Hinge In Every Forecast
Crude rose to USD 90 a barrel in July as a shipping lane was disrupted, then came off its peak within the same month as a deal looked possible. Same commodity, two opposite stories.
Why the Bonus Gets Spent Differently
The salary arrives on a fixed date and goes to fixed places. The bonus lands in the same account, and the mind treats it as a different substance.
The Two Halves of a Child's Money Plan
The keyboard is bought once. The lessons are billed every month, and they go on being billed for years.
When a Diversifier Stops Diversifying
A thali arrives with a spread of small bowls. If the kitchen has filled most of them with the same dal, the plate still looks like a thali from across the room.
The Forecast That Reversed in Three Months
In March the median projection pointed to one rate cut for the year. By June, half the same committee expected a hike.
The Shock That Did Not Land
In the spring of 2026 the forecast for India wrote itself. Higher oil, weaker consumption, slower growth. The vehicle registration data went the other way.
The Bike Shed Problem in Your Portfolio
A committee clears a nuclear reactor in minutes, then argues for an hour about the bicycle shed. Most portfolios are managed the same way.
The Tyranny of the One-Year Column
Silver returns 80 percent in a year and the money floods in. IT goes negative and the money floods out. Both crowds are reading the same misleading column.
Recency Bias Investor Behaviour Asset Allocation Diversification Financial Advice
Diversify Like a Thali, Not a Buffet
The buffet plate has everything and nourishes nothing. The thali has six items in the right amounts. One of these is a portfolio strategy.
Retirement Runs on Buckets
The retiree's dilemma: money needed on Tuesday cannot take risk, and money needed in 2040 must. Buckets let both be true.