Insights
North Horizon perspectives
Shorter notes on how to think about money — patience, temperament, habits and the cost of reacting.
What this is — and is not
These pieces reflect how North Horizon thinks about behaviour, habits and long-term decision making.
You will not find views on where the index will be next year, which fund to buy this month, or predictions of a crash. That is deliberate.
Recurring themes
- Why the "best" investment is often the wrong question.
- Why simplicity and liquidity belong in a plan.
- Why good investing can feel boring.
- The gap between knowing what to do and actually doing it.
- Why decisions should start with goals, not products.
Library
North Horizon Perspectives
Why Investors Keep Chasing Last Year's Best Performer
Why do investors move into funds, stocks or asset classes after strong performance? Explore performance chasing, recency bias and why yesterday's winner may not be the right investment for your portfolio.
Manander Singh · Reviewed by Manander Singh · 2026-08-27
Read →Is More Diversification Always Better?
Owning more investments does not automatically mean better diversification. Learn how overlapping funds, concentrated exposure and portfolio complexity can undermine the benefits of diversification.
Manander Singh · Reviewed by Manander Singh · 2026-08-27
Read →Why a Bigger Salary Doesn't Always Create Financial Security
A higher income can improve your financial life, but it doesn't automatically create financial security. Understand lifestyle inflation, financial resilience, debt and the difference between income and wealth.
Manander Singh · Reviewed by Manander Singh · 2026-08-27
Read →The ₹1 Crore Question: Why the Number Alone Doesn't Tell You Much
₹1 crore sounds like a powerful financial goal, but the number alone tells you very little. Understand inflation, time horizon, goals, purchasing power and the income a corpus may need to provide.
Manander Singh · Reviewed by Manander Singh · 2026-08-27
Read →What Does “Enough” Actually Mean With Money?
More money can create more choices, but the definition of enough is different for every household. Explore spending, goals, financial freedom, lifestyle inflation and the idea of enough.
Manander Singh · Reviewed by Manander Singh · 2026-08-27
Read →Not sure where to begin?
Start with a conversation about your situation. No product is recommended in a first conversation.