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Insights for the Thoughtful Investor

Market analysis, supply chain intelligence, and behavioural finance perspectives — written for Indian investors navigating complex times.

From the Desk of Santosh Nikam
Macro & Markets

When the Strait Shuts, the World Doesn't Just Lose Oil. It Loses Everything.

Santosh Nikam April 2026

Supply chain fractures, proxy industry fallout, the coming inflation wave, and why investors keep making the same mistake — traced from the Strait of Hormuz to your household budget.

Behavioural Finance

The SIP Cancellation Trap: Why You Sell at the Worst Possible Time

Santosh Nikam Coming Soon

Every correction triggers the same sequence — denial, anxiety, panic, paralysis, and late re-entry. Data shows how this cycle silently destroys compounding returns.

Personal Finance

The Inflation You Don't See: How Rising Input Costs Reach Your Grocery Bill

Santosh Nikam Coming Soon

Inflation doesn't arrive all at once. It moves in waves — fuel first, then logistics, then manufacturing inputs, and finally food. Here's how to read each wave before it hits your wallet.