Four ideas that change
what "safe" means.
Why headline yield misleads
The core KitnaKaafi thesis: tax bends the number, timing bends it, structure bends it. Compare post-tax cash flow, not headline rates.
Read →FD vs mutual fund, after tax
Why the "safer" FD often loses to a debt fund once slab tax is priced in.
Why keep a safe investment bucket
Sequence-of-returns risk is the silent killer of retirement portfolios.
Arbitrage funds demystified
The equity-taxed, debt-behaving instrument most retail investors miss.
What RNOR does and does not shelter
The transitional Indian residence status, both limbs that decide it, and the caveat that shrinks the headline.
Why a non-US fund is a PFIC
Long holding periods are the thing being penalised. What the default regime does, and why the two elections usually are not available.
EPF and PPF under US tax
Tax-free in India, unsettled in the United States, and with no foreign tax credit to relieve the mismatch.
Selling Indian property and moving the money
Four problems on four different clocks — the gain, the withholding, the remittance limit, and a US layer computed in dollars.