Beyond the Spread: Bridging Psychology and Rational Debt Management

Imagine you are reviewing a client’s portfolio. The client has received a substantial inheritance and currently holds an outstanding personal loan at 12% interest. Simultaneously, your internal research suggests a...

Beyond the Spread: Integrating Risk into Debt vs. Investment Decisions

Imagine you are drafting an advisory note for a client who has come into a ₹10 lakh windfall. A cursory glance at the numbers suggests a straightforward arbitrage opportunity: the client holds a personal loan at 11%...

Mastering the Cost of Capital in Personal and Corporate Finance

Imagine you are reviewing a client’s portfolio. The client has received a substantial bonus and is debating between prepaying a high-interest personal loan or investing in a diversified equity mutual fund. As an analyst,...