C.S. Krishnamurthy

Seasoned market professionals who have watched cycles unfold over decades tend to agree on one enduring lesson: markets reward discipline far more reliably than they reward prediction. Whenever volatility dominates headlines, investors ask the same question in different accents: should I pause my SIP until things settle down? Across cycles, the professional response has remained consistent. Do not pause your SIP because of adverse market news. A Systematic Investment Plan (SIP) was never...

Compounding is usually explained with money. Invest early, stay patient, and time does the rest. What is less discussed, but equally powerful, is how digital adoption compounds. Each new user, each new platform, each small behavioural shift quietly adds momentum. Over time, this momentum reshapes economies, lifestyles and investment landscapes. India today stands at the centre of this digital compounding story.  India today stands at the centre of this digital compounding story, fuelled by a...

Easy access to markets has encouraged confidence, but sustained investing success still depends on discipline, process and emotional control. Every market cycle revives a familiar question: should individuals manage their own investments, or should they entrust the task to professionals? The debate appears straightforward. Markets are open, information is widely available, and technology has put trading platforms into every pocket. If professional fund managers work with largely public data,...