Hi, I’m Pramod.
I’ve spent close to 20 years in IT, working with large organizations like HCLTech, DXC, and Accenture.
Why this blog exists
I’ve been investing and trading for almost 10 years now.
Over this journey, I’ve seen almost every shade of the market — excitement, fear, overconfidence, mistakes, and long periods of waiting.
This blog is where I share those experiences.
Shorter, unfinished thoughts sometimes find their way to X — @withpramod_in
Not as advice.
Not as shortcuts.
But as practical learning.
Who this is for
Most people earn a salary, invest regularly, and still feel financially stuck.
Returns look decent on paper.
But real life doesn’t change much.
The problem usually isn’t income.
It’s clarity
And patience.
This site is meant for salaried professionals who want to understand money and investing without jargon, hype, or pressure.
What you’ll find here
I focus on explaining concepts like:
- Compounding
- XIRR
- ETFs
- Inflation
- Taxes
- Macro trends
- Long-term investing behavior
—all in a simple, practical, real-life context.
No predictions.
No hot tips.
No promises of quick profits.
The philosophy
The goal here is not fast money — it’s fewer regrets.
It’s long-term wealth built through better decisions, better behavior, and clearer thinking.
All content on this site is educational, based on public information and logical reasoning.
I do not provide stock tips or personalized investment advice.
If you’re looking to think clearly about money and investing — calmly, patiently, and realistically — you’re in the right place.
— Pramod