Value Research Online

The crash is the course

Mon, 30 Mar 2026 11:27:12 +0530

Investors who survived 1992, 2000, 2008 and 2020 share what they learned. The difference between the anxious and the calm is not intelligence or information. It is experience.

Don't borrow the market's panic

Tue, 10 Mar 2026 10:26:03 +0530

Readers respond to the latest Editor’s Note, Not your emergency. Why leveraged traders amplify volatility and why long-term investors need discipline.

The real risks of taxing unrealised gains

Tue, 24 Feb 2026 16:00:00 +0530

Reader responses examine liquidity risk, tax fairness, capital flight and global trends in the heated debate over the Dutch tax on unrealised investment gains.

Hype, déjà vu and smashed keyboards

Tue, 17 Feb 2026 12:00:00 +0530

Readers respond to Dhirendra Kumar on chatbot frustration and AI hype, warning against breathless narratives and portfolio churn, and arguing for nuance over panic.

When the system works against you

Wed, 04 Feb 2026 13:43:03 +0530

Reader responses reveal how mis-selling, complexity and poor incentives shape investing outcomes, and why simplicity feels like self-defence for many investors

When rules exist, but fear doesn't

Tue, 20 Jan 2026 15:05:00 +0530

Readers respond to Words without teeth, sharing real stories of misselling, weak regulators and powerless complaints that show why laws without enforcement fail us.

Letters to the Editor's Note

Tue, 20 Jan 2026

Value Research has upgraded debt fund ratings to factor in credit and concentration risks, explaining why judging funds only by past returns can mislead investors.

When safety turns out to be an illusion

Mon, 05 Jan 2026 13:09:42 +0530

From DHFL to Franklin, readers share hard-earned lessons on hidden debt fund risks—and why Value Research’s upgraded ratings strike a chord.

Why luck feels like talent in a bull run

Mon, 01 Dec 2025 17:29:41 +0530

Warren Buffett’s reflection on luck triggered candid reader responses on overconfidence, market cycles, risky trading and the thin line between fortune and skill.

Two businesses, one valuation. Readers weren't surprised

Mon, 24 Nov 2025 17:35:17 +0530

Reader responses to Dhirendra Kumar’s note reveal how investors view incentives, ethics and behaviour behind AMCs and brokerages—and why alignment matters more than activity.

When fewer readers write, the message gets sharper

Mon, 17 Nov 2025 12:09:29 +0530

SEBI’s proposed expense-ratio changes didn’t trigger loud debate, but readers saw the message: cost clarity matters, and investors must do their part too.

When insurance tries to be everything, it fails

Tue, 11 Nov 2025 13:35:53 +0530

Dhirendra Kumar’s column sparked a lively debate on why insurance must protect, not promise returns. Readers share sharp views on ULIPs, endowment plans and term cover.

Learning the hard way, but early

Mon, 03 Nov 2025 12:13:52 +0530

Readers reflect on Dhirendra Kumar’s idea of learning through small, early mistakes in investing—and why those 'tuition fees' often teach more than advice ever could.

The glitter and the glare

Tue, 28 Oct 2025 10:38:52 +0530

Readers react to our take on silver’s rally—some cautious, some hopeful, all insightful. What their views reveal about hype, hindsight and smart investing choices.

What critics miss about the NPS

Thu, 23 Oct 2025 13:35:40 +0530

From praise to criticism, investors weigh in on the National Pension System. Here’s what they shared about annuities, tech flaws, equity caps and tax benefits.

23 years, 275 editions

Mon, 20 Oct 2025

Readers share how Mutual Fund Insight shaped their investing journey—stay calm, SIP, keep it simple and let compounding quietly build wealth.

What AI can't replace in smart investing

Mon, 06 Oct 2025 15:30:01 +0530

From students to professionals, readers reflect on why human judgment, not machine summaries, remains the real advantage in investing—even in the age of AI.

How panic selling rewards the calm and steady

Mon, 29 Sep 2025 17:36:43 +0530

From retired brigadiers to new investors, readers found comfort in staying calm amid chaos. Here’s how they reacted to our Editor’s Note on H-1B changes.

Why every family needs a will today

Mon, 22 Sep 2025 11:21:10 +0530

From bitter disputes to heartfelt legacies, readers share why will-making is urgent, emotional and often delayed with painful consequences. Don’t wait.

Letters to the Editor's Note

Sat, 20 Sep 2025

Dhirendra Kumar’s latest note explores how liquidity anxiety and poor timing hurt long-term returns. Readers reflect on their own investing behaviour and lessons.