Musings

An assorted collection of thoughts on business, finance, and life. Browse by tags.

30 Dec 2021

Importance of sleep on overall health & well-being

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not nearly enough is spoken about the importance of sleep on overall health & well-being...
29 Dec 2021

Fixing the tax audit requirement anomaly for trades

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You need to get a CA to validate IT returns (ITR) or get a tax audit if profit when trading is< than 6% of turnover or if the turnover is> Rs 10 crores. This is an anomaly...
24 Dec 2021

Introducing Varsity video series

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Varsity has been 8 yrs in the making with 180+ chapters and 1 lakh+ comments answered by Karthik...
22 Dec 2021

The story behind how the name "Zerodha" came to be

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Zerodha = Zero + Rodha. Rodha in Sanskrit means barrier...
20 Dec 2021

What moves the markets?

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What really moves markets? It’s traders & investors making informed & uninformed decisions. Everything else is hocus pocus....
18 Dec 2021

Lower volatility long term growth vs maximum short term gain

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Companies when projecting growth should maybe prioritize lower volatility long term vs max short term gain...
12 Dec 2021

Building for India but incorporating outside India is a disturbing trend

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New startups building for India but incorporating outside India is a disturbing trend...
06 Dec 2021

A must watch interview of Rakesh Jhunjhunwala

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The common thing among successful traders & entrepreneurs is to always think in terms of risk to reward...
04 Dec 2021

The stress of trading 24X7 crypto markets

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I can't even begin to imagine the mental health impact of 24X7 crypto markets on those with large crypto exposure...
27 Nov 2021

Why are we valuing ourselves at just $2 Billion

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I keep getting asked why are we valuing ourselves at just $2 Billion currently when smaller players are raising money at far higher valuations...
26 Nov 2021

On "Powered by AI / ML" marketing

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Here is a detailed post by Dr K that draws parallels between AI and Rumali roti...
25 Nov 2021

AI and ML at Zerodha

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I keep getting asked how we use AI/ML/Blockchain at Zerodha...
24 Nov 2021

The moats for banks

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The moat banks have today is that it is very very tough to become a bank. Yeah, you can be a Small Finance Bank, Payments Bank, Neo Bank, but you can never compete with a full-fledged bank due to all the restrictions...
23 Nov 2021

Permissions asked by finance apps

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App permissions Zerodha apps ask for...
22 Nov 2021

Buy Now, Pay Later for stocks

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Buying stocks by borrowing at ~15% & risk of being liquidated in drawdowns, is probably the worst financial product for retail investors...
18 Nov 2021

Crypto and forex ads need to be regulated

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If financial services businesses are allowed to mis-sell greed & easy + guaranteed returns from risky financial products, it not only harms consumers but it creates a systemic risk...
16 Nov 2021

Investing in high growth, low profit businesses

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If you are investing in new-age businesses that aren't profitable yet & carry large risks, here are right questions to ask...
12 Nov 2021

Why not IPO Zerodha?

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We think an IPO is the beginning & not the end. As soon as you have lakhs of conservative retail investors on your cap table, the obligations go up...
10 Nov 2021

Introduction of T+1 settlement

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From Feb 2022, the T+1 settlement cycle will be introduced in a phased manner in the Indian markets...
08 Nov 2021

Nice guys never finish last

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Your odds of getting lucky in a connected world like ours dramatically go up when you have people genuinely wishing you well...