Priya Nair
Priya is a long-term investing nerd who loves a good spreadsheet. She writes the kind of guides she wishes she’d had when she started saving in her twenties.
Writes about SIP, retirement, returns. Educational content only — see our editorial policy.
Guides by Priya
- How to Start Investing With Little Money
The secret to investing isn't a big balance — it's starting small, staying consistent, and giving compounding enough time to do the heavy lifting.
- SIP vs Lumpsum: Which Builds More Wealth?
SIP averages your buying price and lumpsum maximizes time in the market — which one builds more wealth depends on what you're actually choosing between.
- How Much Do I Need to Retire?
Your retirement number isn't a mystery — it starts from one figure (your annual spending) and the 25x rule turns it into a target you can actually plan toward.
- What Is a Good Rate of Return on Investments?
A "good" return depends on how you measure it and what you subtract — and the only number that truly matters is what's left after inflation.
- Fixed Deposit vs Recurring Deposit: Which to Choose?
A fixed deposit and a recurring deposit pay similar rates — but because of *when* your money is invested, the same total earns very different interest.
- What Is the FIRE Movement? Financial Independence, Retire Early Explained
FIRE isn't about hating your job — it's about buying yourself choices. Here's the math behind Financial Independence, Retire Early.
- How to Calculate Your Net Worth (and Why It's the Best Financial Health Check)
Your salary tells you what you earn. Your net worth tells you what you've kept. Here's how to calculate it and why it matters far more.
- Dollar-Cost Averaging: The Lazy Investor's Secret Weapon
Nobody can time the market consistently. Dollar-cost averaging turns that limitation into a strategy — and it works remarkably well.
- APY vs APR: Why One Number Flatters You and the Other Warns You
Banks quote APY to make savings look better and APR to make loans look cheaper. Here's how to see through the numbers.
- What Is an Annuity? A Plain-English Guide to Steady Income Streams
Annuities sound complicated but the concept is simple: a series of equal payments over time. Here's how to think about and price them.