Investing

How to think like an owner, not a renter. You will learn to read the three financial statements, judge a company by its numbers, estimate what a share is genuinely worth, and combine your picks into a portfolio that survives bad years. Funds, ETFs, bonds and dividends all fit here.

• The Investor MindsetBefore any analysis, the temperament that separates investors from gamblers.6 lessons
• Understanding a BusinessWhat a company does, how it makes money, and whether it can keep doing it.6 lessons
• The Income StatementThe scoreboard of profit: revenue at the top, what is left for you at the bottom.6 lessons
• The Balance SheetA snapshot of what a company owns, what it owes, and what is truly left for owners.6 lessons
• The Cash Flow StatementProfit is an opinion; cash is a fact. Where the money really came from and went.6 lessons
• Profitability & Efficiency RatiosHow well a company turns sales and capital into profit — the quality scorecard.5 lessons
• Leverage & Liquidity RatiosCan the company pay its bills, and is its debt a tool or a time bomb?4 lessons
• What Is a Stock Worth? (Intrinsic Value)Estimating a business’s true value so you know whether the price is a bargain.6 lessons
• Relative Valuation (Multiples)Valuing a company by comparing it to similar ones — fast, useful, easy to misuse.6 lessons
• Mutual FundsPooled, professionally managed investing — the default vehicle for most Indians.8 lessons
• Index Funds & ETFsOwning the whole market cheaply — the strategy that beats most active funds.5 lessons
• Building a PortfolioTurning individual picks into a resilient whole that fits your goals and nerves.5 lessons
• Asset Allocation & RebalancingThe mix of equity, debt and gold that drives most of your long-run result.5 lessons
• Dividends, Bonds & IncomeInvesting for cash flow, not just growth — and the instruments that pay you to wait.6 lessons
• Monitoring & Knowing When to SellThe hardest part of investing — deciding when to hold, add, or let go.4 lessons
• Sector PlaybooksEvery sector has its own dashboard — the five numbers that matter for banks, IT, pharma, autos and FMCG.6 lessons
• Government Securities, Hands-OnLend to the government directly — T-bills, dated G-Secs and RBI Retail Direct, the sovereign alternative to FDs.3 lessons