Subtext


 

Robo-advisors are dead, long live robo-advisors

Robo-advisory services were the hottest wealth management trend of the last decade. Most died or were acquired in fire sales. What went wrong? This is a history of robo-advisors and why they failed.

Financial analyst and researcher at Zerodha
0
23 Apr 2024
 

It’s the economy, stupid! 2 slow 2 sedate

With a strong economy and falling inflation, RBI keeps rates where they are. Automobiles don’t sell, services exports fall, but power generation stays robust. And more.

Senior writer at Zerodha
1
10 Apr 2024
 

Remembering Danny

Daniel Kahneman made finance more humane and investors more introspective. We all owe him a debt of gratitude for making us look inward.

Financial analyst and researcher at Zerodha
5
28 Mar 2024
 

Shipwrecked: Why everything may soon cost more

A new shipping crisis may ripple through global trade. Houthi militants attack ships passing through the Red Sea, while the Panama canal experiences a disruption due to severe drought.

Financial analyst and researcher at Zerodha
2
26 Mar 2024
 

China’s Unreal Estate

In the final instalment of our China series, we trace the journey of the country’s real estate industry – from its heady rise to its sudden crash – and how China is trying to emerge from the ashes.

Senior writer at Zerodha
0
19 Mar 2024
 

Women and money: What’s the real issue?

Have we moved the needle on the ‘women and money’ issue? And what is the women and money issue anyway? Perhaps we are mixing up completely disparate issues. Perhaps we need to first understand what the issues are before attempting to address them. Perhaps we are addressing symptoms when we need to get to the underlying causes.

Consulting producer, Zerodha
1
18 Mar 2024
 

A People’s Republic?

This week, we turn to the single defining characteristic of the Chinese economy in the eyes of the world – its status as the factory of the world. We’ll see why exports are no longer the engine for GDP growth they once were, and ask whether China’s own domestic markets could be its answer.

Senior writer at Zerodha
4
10 Mar 2024
 

A few good things on money and the markets

Welcome to the first edition of ‘Z-Connect this Week’, a newsletter where we wrap up everything we publish on Z-Connect, Varsity, Rainmatter, and TradingQnA. Those explainers, podcasts, updates, and every other experiment we cook up to help you understand the annoying and needlessly mysterious world of finance. On Subtext Big Trouble in Brittle China I: […]

Senior writer at Zerodha
0
05 Mar 2024
 

How the Chinese dragon burnt itself

All is not well with China’s economy. Its problems come from the very strategies that brought it 40 years of growth. In our first post on China, we examine its addiction to investment-led growth.

Senior writer at Zerodha
5
28 Feb 2024
 

Investing is a problem that has been solved

“Investing is a problem that has been solved.” Dave Nadig, a veteran of the US ETF industry, said this on a podcast, and it has been stuck in my head ever since. I remembered this quote because I saw this poll on Twitter (Umm… X. What sort of name is that?). I’ve been thinking and […]

Financial analyst and researcher at Zerodha
2
22 Feb 2024
 

The basics you need to know when buying health and life insurance

Over the years, whenever we asked people what aspect of their personal finances they struggled with the most, the common answer was insurance. So we decided to do an Ask Me Anything session with Shrehith Karkera, co-founder of Ditto Insurance. We collected the most common answers from people with Shrehith answering them in detail.

Financial analyst and researcher at Zerodha
0
19 Feb 2024
 

Financephobic: Why Zerodha messed up by hiring me

I think I’m financephobic. I abhor finance. Maybe not the field itself, just how it feels. I know financial decisions are important. I still find them revolting. The problem is that I’ve somehow gotten myself a job at Zerodha. India’s largest stockbroker. And I have no idea what I’m doing. In this series, I’ll try fixing my financial life and share what I learn with you.

Senior writer at Zerodha
3
16 Feb 2024
 

What did we learn?

2023 was an interesting year. Given the new year, it’s a good time to reflect on the year that has passed. We learn so that we can ignore the lessons and make the same old mistakes in unique ways.

Financial analyst and researcher at Zerodha
25
20 Jan 2024
 

How to make sure your term insurance application doesn’t get rejected

It’s that time of the year again. Everyone is scampering to invest in ELSS mutual fund schemes, NPS products, and insurance policies just to reduce their taxable income. And while buying investment products may be rather straightforward, insurance policies are anything but straightforward. Even if you’ve decided on a policy and made payment, it could […]

Co-founder at Finshots and Ditto insurance.
1
19 Dec 2023