Panch Tattva Wisdom

About Nifty100 stocks & sound portfolio buildup

Thoughts and Reports

  • Deprivation and Reality

    Why does deprivation feel sharper even as prosperity rises?In the early 1990s, India’s per capita income was around ₹20,000 a year. Today, it is over ₹1.7 lakh—an increase of more than 7–8 times.Access has expanded just as dramatically:Mobile phones: from near zero to almost universalBanking: from limited reach to widespread financial inclusionConsumer goods: from luxury… Continue reading

  • What MPs Should Get

    Raising the salaries of MPs and MLAs is often criticized, but the issue needs a more mature lens.Public representatives carry enormous responsibility. If their compensation is inadequate, it can create subtle pressures that may lead to compromises. Ensuring they are well-paid is not a luxury—it is a safeguard for cleaner governance.At the same time, accountability… Continue reading

  • India’ Path

    India does not need to imitate the path of the United States to become a world power.The US built its dominance by shaping global events—but that came at a cost:Over 700 overseas military basesDefence spending of nearly $900 billion annuallyRepeated long wars from Vietnam War to War in AfghanistanInfluence, when overstretched, becomes expensive to sustain.India’s… Continue reading

  • Action, Outcome, and the Devine Order

    Human beings are endowed with the freedom to act. Guided by their intellect, values, and circumstances, they make choices and perform actions. This freedom shapes the direction of their lives. Yet, it is equally true that they do not have complete control over the outcomes of their actions. Results unfold within a larger framework—what may… Continue reading

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  • India’s Two Phases

    India: Two 40-Year Phases, One Clear ShiftBy 2029, India would have completed 40 years since 1989.This allows a natural comparison between:The 40 years before 1989, largely under Indian National CongressThe 40 years after 1989, where Bharatiya Janata Party / NDA would have governed for 20+ yearsThis is not about judging intent—but observing outcomes and public… Continue reading

  • Reality of Inflation

    We often hear: “Everything has become expensive—just look at Maggi.”Let’s stay in rupees and examine the full picture.In 1983: – A Maggi packet cost about ₹2.50– A lower-level worker earned roughly ₹400–₹500 per monthToday: – A Maggi packet costs about ₹25– The same level of worker earns ₹10,000–₹15,000 per monthSo:  Maggi price has increased… Continue reading

  • Look for a Satisfying Job

    A job should be more than a source of income—it should be a source of satisfaction.Too often, we measure our work only in terms of monetary rewards. While financial security is important, it alone cannot sustain a sense of purpose or fulfillment over the long run.True satisfaction comes when our work aligns with our values,… Continue reading

  • Housing and Incomes

    There is a quiet but powerful story unfolding in India’s urban real estate market — and it lies in the relationship between income growth and housing choices.Over the last 15–20 years:• Urban incomes in India have grown roughly 4 times• Residential real estate transaction values have also expanded by about 4–6 timesAt a broad level,… Continue reading

  • Rupee Parity… Misplaced concern

    Is a falling Rupee really a sign of a weak India?We often judge economic strength by looking at the Indian Rupee and conclude that its gradual decline reflects weakness. But a deeper comparison with the Chinese Yuan and South Korean Won tells a very different story.Currencies don’t just move—they narrate the journey of nations.China’s yuan… Continue reading

  • Gold and Silver… Buy or don’t

    War headlines often push investors toward gold. But experience shows:Gold does not move because of war—it moves because of interest rates.Today, global interest rates (led by the Federal Reserve) appear near their peak, though not decisively declining yet. Inflation persists, and uncertainty remains, but real interest rates are still positive.This creates a balanced but not… Continue reading