Wednesday, February 11, 2026

Why Skipping Valentine’s Day Can Feel Liberating

Valentine’s Day often feels less like a celebration of love and more like a stage play where everyone’s expected to perform. Cue the roses, chocolates, and Instagram posts. But here’s the twist: choosing not to play along can be surprisingly freeing.

1. Freedom from the performance

Valentine’s Day sometimes turns love into a checklist - flowers, dinner, selfies. Opting out means your relationships are built on real connection, not on whether you remembered to book a table at a crowded restaurant.



Good to remind ourselves that  -  Love doesn’t bloom on command; it grows in its own season.

2. Saying no to peer pressure

The idea that “everyone must have a Valentine” is more about fitting in than about love. Choosing not to conform is like saying, I’m not auditioning for society’s rom-com.



Think of it as skipping the group project where everyone’s stressed, but you still get an A.

3. Space for yourself

Not having a Valentine gives you room to breathe  - whether that’s self-care, reflection, or celebrating other forms of love like friendship, family, or even solitude.



Sometimes the sweetest company is your own silence!!

4. Breaking the consumer cycle

Let’s be honest  - Valentine’s Day is basically Black Friday in red packaging. Opting out means you’re not pressured to spend money just to “prove” affection.



Your wallet will thank you, and so will the florist who doesn’t have to deal with your last-minute panic order.

5. Authenticity over obligation

When you’re not scrambling to “find someone” just for the day, any relationship you do pursue is more authentic. Love becomes a choice, not a box to tick.



Time to realise - True love isn’t a deadline . . . .  it’s a discovery.


The Real Liberation

Not having a Valentine isn’t about rejecting love  - it’s about rejecting the idea that love has to look a certain way, at a certain time, with certain rituals. That freedom lets you define love on your own terms . . . .  whether through friendships, family bonds, or simply enjoying your own company.

And hey, no Valentine means no awkward dinner where you both pretend the heart-shaped dessert isn’t overpriced.



Liberation is sweeter than chocolate🍫, and it doesn’t melt away on February 15th.

Solution-Oriented Mutual Funds do

 



 

Ever wished you had a fund that takes care of your long-term goals without having to stress over asset allocation or rebalancing? That’s exactly what Solution-Oriented Mutual Funds do - they’re designed to solve specific life goals like your retirement or your child’s education/marriage.

Think of them as the “set-and-grow” funds - perfect for investors who want to build wealth purposefully but don’t want to micromanage every decision.

πŸ–️ Retirement Fund

Aimed at helping you build a comfy post-retirement corpus. It comes with a 5-year lock-in (or till you retire, whichever comes first). So once you invest, your money gets time to truly work for you.

πŸŽ“ Children’s Fund

For goals close to every parent’s heart - your child’s education, wedding, or future dreams. It also has a 5-year lock-in or until your child turns 18.

These goals are emotional - which is why these funds help you stay disciplined. The lock-in ensures you don’t withdraw impulsively when markets dip. It’s like a safety belt against panic selling.

πŸ’‘ Why They’re Worth Considering

  • No need to worry about equity vs debt mix - they handle that for you.

  • Professionally managed portfolios keep your money aligned with your goals.

  • Long-term horizon = potential for better returns.

  • Great for investors who prefer goal-based investing rather than chasing returns.

⚠️ But Keep This in Mind

  • Limited flexibility: There’s a 5-year lock-in, so no quick exit if performance dips.

  • Missed opportunities: You might skip midcaps/smallcaps that could grow faster.

  • Market sensitivity: Returns still depend on how markets perform.

🎯 The Bottom Line

Solution-oriented funds are a smart way to invest with purpose. Whether it’s retirement or your child’s future, they bring structure, discipline, and emotional comfort to your investment journey.

After all, smart investing isn’t just about returns - it’s about peace of mind.






Friday, October 17, 2025

πŸ”️ Langtang Valley: Where Friendship Climbs Higher Than Altitude

A Trekkiyer’s tale told by yours truly, Vaidhyanathan (aka Vaidy, aka Malli, aka “Did you pack the pulikachal?”)

Every year, as the Himalayas whisper our names and our knees whisper “Are you sure?”, the Trekkiyers assemble. What began in 2018 as a modest mountain mission with me, Ramesh (my brother-in-law and chai philosopher), Sridhar (my school buddy and trekking purist), and Dr. Narayanaswamy (Swamy, our in-house medic and spiritual anchor), has grown into a full-blown annual tradition. (The link to our first trek when the idea of Trekkiyers was mooted - https://itsmevaidy.blogspot.com/2018/03/annapurna-circuit-dream-trek.html ) 

Over time, we welcomed Srinivasan (my actual brother, not just in altitude), Sumathi (Swamy’s wife and our culinary savior), and Vishagan (my cousin and 2024’s recruit). Each year, someone new joins. Each year, someone’s knees regret it. But the spirit? Unshakable.

This year, Langtang Valley was our chosen playground. And what a playground it turned out to be  - complete with yaks, landslides, and SIM cards that worked only when you didn’t need them.

After having half a dozen VDO calls and numerous thoughts and rethoughts on the decision for the trek , first we had the regime change at Nepal which lead to a lot of sleepless nights as to the fate of the trip and then closer to the dates was the Natural calamity with scary visuals of houses being washed away in the floods. All this happened between August and October 2025.

🎬 Saturday, 4 October 2025  - – The Flight That Did a U-Turn

We were airborne. We were excited. We were... rerouted. Thanks to Kathmandu’s moody weather, our flight was canceled midair. After a refueling pitstop in Lucknow (where we waved at the samosas), we returned to Mumbai. It was like a teaser trailer for the real trek—frustrating, dramatic, and oddly energizing. The nine hour journey from Mumbai to Mumbai in retrospect was funny. 


πŸ›¬ Monday, 6 October – Kathmandu, Finally

Take two! This time, we made it. Srinivasan, Ramesh, and I landed in Kathmandu after a scenic detour via Delhi. Ramesh, ever the smart one, had taken a direct flight and was already sipping coffee like a local.

We met Sameer Tawde (my neighbor and surprise trekker), and headed to Backpackers Lodge. Swamy and Sumathi had arrived earlier and were already acclimatized  - and possibly scouting SIM cards. We bought two each, because in the Himalayas, one network drops faster than your trekking stamina.

Evening brought us to Pashupatinath Temple, where Rudram chanting echoed through the air. Spirituality met signal strength. Both were patchy but powerful.



πŸš™ Tuesday, 7 October – Jeeps, Jams, and Jam Sandwiches

Decked in our matching “Trekkiyers” T-shirts (because nothing says ‘serious mountaineers’ like coordinated cotton), we posed, chanted “Ganpati Bappa Morya,” and boarded our Scorpio for a 7-hour drive that felt like a rollercoaster designed by Mother Nature. ( The roads beyond the City limits have to be experienced !!) 

Lunch was a gourmet affair of banana chips, curd, and biryani  - because why not confuse your stomach before a trek? We reached Country Villa Hotel by 3 PM, where a full moon ( Sharad Poornima) and full tummies made for a magical night walk. My pedometer said 10 km. My legs said, “Liar.”


🌊 Wednesday, 8 October – Waterfalls and Wobbly Bridges

After a hot bath and tomato soup (yes, in that order), we set off on a 7-hour trek that featured waterfalls, suspension bridges, and enough wet socks to start a laundry business. Porters turned engineers, building stone steps over landslides like it was just another Wednesday.

Sea buckthorn juice became our unofficial sponsor  - tangy, refreshing, and possibly magical. Dinner was a fusion of dal baath and South Indian spice, proving that even at 10,000 feet, you can’t escape puliyodarai.


πŸ‚ Thursday, 9 October – Yaks, Yarns, and a Yak Attack

Fueled by coffee and a maida roti thick enough to double as a frisbee, we marched on. The trail was kinder, the views grander, and the socks  - still damp. A yak decided to spice things up by charging a fellow trekker (expectedly clad in a bright red Tee) . We took it as a sign of affection from Nandi's Nepali cousin.

We met a Nepali guide who spoke Tamil and Malayalam, thanks to his stint in Qatar. Proof that South Indians are everywhere  - even in the Himalayas. Dinner was a delightful mix of local fare and our trusty pulikachal. The homestay was cozy, and the fruit was fresher than our jokes.


🩺 Friday, 10 October – High Altitude, Higher Drama

Ramesh gave us a scare with a fever and low oxygen levels. Swamy, ever the calm doctor, sprang into action with his medical kit and reassuring smile. Ramesh stayed back to recover while the rest of us trekked to Kyanjin Gumba.

Electric blankets ( not working though) , sunshine, and khakra choora awaited us. Plans to climb Kyanjin Ri were shelved due to cloudy weather  ( Explanation - The climb was for the view and with the weather playing spoilsport there was no point in testing our knees further)   - clearly, even the mountains wanted a day off. Dinner was a carb-lover’s dream: French fries, momos, and sandwiches that looked like they’d been arranged by a Michelin chef.


🏁 Saturday, 11 October – The Great Descent

We reunited with a rejuvenated Ramesh and posed for a group photo with the Indian flag  - because patriotism hits different at 12,000 feet. The descent was swift, the puliyodarai was spicy, and the milk coffee at Hotel Woodland was divine.

As darkness fell, porters met us with torches, guiding us like Himalayan fireflies. We reached the hotel, tired but triumphant.



🌸 Kadmom Mein Padam - A Reflection from the Trail

As we descended from the heights of Langtang,

legs weary, hearts full,

I found myself walking not just through valleys,

but through verses of remembrance.

Each step - a Kadam.

Each moment - a Padam.

Not just a lotus blooming beneath,

but a trillionfold blessing unfolding above.

For when the soul walks in divine memory,

the trail transforms.

The rocks soften, the winds whisper,

and the journey multiplies -

not in kilometers, but in Padams of grace.

We didn’t just trek.

We offered each stride as a prayer,

each laugh as a hymn,

each silence as a sanctuary.


πŸ›€️ Sunday, 12 October – Slippery Slopes and Sweet Goodbyes

Our final trek featured landslide zones, rescue crews, and a restaurant that believed in slow food  - very slow. Thankfully, the dreaded log crossing was avoided, and we returned to the hotel for hot baths and heartfelt thanks to our porters and guide Ram Sharan, who had become more like family , though it still took some time to understand his quaint lingo.


πŸš™ Monday, 13 October – Back to Kathmandu

We bid farewell to Syabru Besi and bounced our way back to Kathmandu, stopping for fruit, border checks, and a visit to Ram’s ancestral village. Thamel welcomed us with shopping, temples, and ice cream  - because nothing says “spiritual fulfillment” like a double scoop of chocolate chip.


πŸ™ Tuesday, 14 October – Pashupati, Parathas, and Parting Shots

Our last day began with coffee, aloo parathas, and a soulful visit to Pashupati Nath Temple. Rudram chants echoed once more, sealing our bond with Nepal.

After some last-minute shopping and a tea with Rajan Simkhada, we headed to the airport  - legs sore, hearts full, and memories packed tighter than our rucksacks.

Langtang Valley wasn’t just a trek. It was a test of knees, nerves, and network coverage. But above all, it was a celebration of friendship, resilience, and the joy of walking uphill just to come back down.

And yes, the pulikachal survived. Just like we did.

PS : I look forward to reading your comments 



























Tuesday, June 10, 2025

The Ultimate Father's Day Gift: Financial Freedom For Him

 


The Ultimate Father's Day Gift: Financial Freedom For Him

This Father's Day, as you scour for the perfect gift - another wallet, a gadget he'll use, or a "World's Best Dad" mug - stop and consider what truly resonates. What if, this year, your gift transcended the material and offered something profoundly impactful, something that lasts a lifetime and beyond?

We're talking about financial freedom.

For many fathers, the relentless pursuit of providing, protecting, and planning often comes at the cost of their own financial well-being. They're the silent anchors, the unwavering pillars, often putting everyone else's needs before their own long-term financial security.

This Father's Day, let's redefine the gift of appreciation. Instead of temporary trinkets, let's empower the fathers in our lives with the tools, knowledge, and impetus to achieve true financial liberation.

Why is Financial Freedom the Ultimate Gift?

Peace of Mind:

Imagine a life where financial worries no longer dictate decisions. This isn't just about wealth; it's about the security and peace of mind that comes from knowing you're prepared for anything.

Empowerment of Choice:

Financial freedom unlocks a world of choices. The choice to pursue passions, to retire on his terms, to travel, to spend more time with loved ones, or to simply enjoy life without the constant pressure of the next paycheck.

A Legacy Beyond Money:

Teaching and enabling financial freedom isn't just about managing assets; it's about instilling a mindset of security, growth, and responsibility that can be passed down through generations. It's a legacy far more valuable than any inheritance.

Reduced Stress, Improved Health:

Financial stress is a silent killer. Alleviating this burden can lead to significant improvements in physical and mental health, allowing him to truly enjoy his golden years.

How You Can "Gift" Financial Freedom:

This isn't about simply handing over money. It's about strategic investment and education.

Start a SIP - A Gift That Grows Over Time


Initiating a SIP in a mutual fund is a powerful way to leverage compounding over time. Think of SIP as a monthly reminder of your love and care. It's more than an investment; it's a commitment to his long-term financial wellness. You can even choose to top up the SIP each year as your income increases - making it an evolving gift that grows with your ability to give. Mutual funds offer a diversified portfolio managed by experts, ensuring a balanced approach that can significantly grow his wealth and secure his future.

Gift Him Health Insurance - A Shield That Grows with Age


As our parents age, health-related expenses start to chip away at their savings. Medical issues can become both emotionally and financially draining, especially without adequate coverage.

This Father's Day, a comprehensive health insurance policy could be one of the most meaningful gifts you give. A good policy not only safeguards his health but also protects his hard-earned savings. You're ensuring that should the need arise, your dad can receive the best medical care without worrying about draining his retirement corpus or other investments. When buying a policy, choose a plan tailored to his age and health needs. Ensure it covers the vital components like hospitalization, day care procedures, and critical illness cover, with fewer conditional claims. Remember - medical insurance isn't just a cost, it's an investment in his future.

Set Up an Emergency Fund - A Cushion for Unseen Storms


Life throws curveballs, and an emergency fund ensures your dad never has to dip into his savings or investments unexpectedly. Whether it's a medical crisis, a home repair, or sudden travel, an emergency fund provides instant liquidity and peace of mind.

  • Secretly setting up a separate emergency fund in his name is a beautiful surprise
  • Add to it during birthdays, anniversaries, or as a yearly tradition
  • Link it to a liquid fund for easy access

SWP for His Retirement - Monthly Income with Market Growth


If your father is nearing or in retirement, or if you're building a corpus for his future, consider initiating a Systematic Withdrawal Plan (SWP). This allows your father to receive a fixed amount regularly from his mutual fund investments - just like a pension.

Here's why SWP is a powerful retirement gift:

  • Ensures steady, tax-efficient income without liquidating the entire corpus
  • The remaining amount stays invested and continues to grow
  • Offers flexibility in terms of amount and frequency of withdrawals


It's a thoughtful way to ensure his retirement is truly comfortable and financially independent.

The Unsung Hero: A Trusted Mutual Fund Distributor


Let's face it - not all dads are comfortable with money talk or market jargon. That's where a mutual fund distributor becomes your strongest ally in giving financial freedom.

Here's how they help:

  • Education about mutual fund products and simplify complex financial jargon and concepts
  • Assistance in selecting the right mutual funds based on your father's age, lifestyle, and financial needs
  • Provide ongoing support for portfolio assessment and rebalancing
  • Handle documentation, monitoring, and strategy revisions over time
  • Provide unbiased guidance that aligns with your intent - his comfort and security


Introducing your father to a mutual fund distributor is like giving him a lifelong coach - someone who helps manage not just money, but dreams and dignity.

Why Skipping Valentine’s Day Can Feel Liberating

Valentine’s Day often feels less like a celebration of love and more like a stage play where everyone’s expected to perform. Cue the roses, ...