Thank you for joining us at the very beginning of Arthaay.

Most financial platforms in India offer an abundance of opinions, market commentary, and stock ideas. Yet very few maintain a publicly verifiable, timestamped record of their actual investment decisions.

Arthaay was created to change that.

Rather than asking readers to trust our opinions, we believe credibility should be earned through transparent execution. Every investment decision, portfolio allocation, and even every mistake is documented and made publicly verifiable.

Our objective is simple: build and publish a fully auditable record of one investor's long-term asset allocation journey.

The portfolio follows a disciplined Core & Satellite allocation strategy.

Core Allocation consists of broad-market index funds and ETFs designed to capture long-term market returns through systematic investing with minimal intervention. At present, this allocation is represented by the MON100 ETF.

Satellite Allocation consists of carefully selected individual businesses and real estate investment trusts backed by long-term conviction and detailed fundamental research.

By separating these two allocations, we can clearly distinguish passive market exposure from active investment decisions while tracking both with complete transparency.

Inception Date: February 12, 2026
Reporting Date: June 30, 2026

XIRR represents the annualized return after considering the timing of every investment. As this portfolio is still in its early stages with a relatively small capital base, returns are expected to moderate as additional capital is deployed over time. Past performance is not indicative of future results.

Immediately below is our Live Portfolio Dashboard, providing a complete snapshot of the portfolio as of the reporting date, including current holdings, allocation, performance, and overall portfolio composition.

We designed this dashboard to make it easy to understand exactly where capital is invested without having to navigate spreadsheets or lengthy reports.

For readers who wish to verify every figure independently, the dashboard also includes a button that provides direct access to our Live Public Portfolio Ledger. The ledger contains every transaction ever made—including purchase dates, quantities, brokerage, taxes, regulatory charges, cash flows, and portfolio rationale.

Nothing is edited after the fact. Every investment decision remains permanently timestamped and publicly verifiable.

📊 Explore the Live Portfolio Dashboard

Transparency means documenting mistakes—not just successes.

On February 17, 2026, we deviated from our long-term investment framework by executing a short-term intraday trade in MON100 ETF. The trade resulted in a net loss of ₹135 after charges.

Although financially small, it reinforced an important lesson: disciplined investing—not short-term trading—is the foundation of this portfolio.

That transaction remains permanently recorded in the public ledger alongside every successful investment and every future mistake.

Arthaay is published twice each month.

1st of every month

15th of every month

Our goal is not to predict markets.

Our goal is to build a long-term public record of disciplined investing—one that anyone can verify, learn from, and hold us accountable to.

Thank you for being part of the journey from the very beginning.

If you have questions, feedback, or suggestions, simply reply to this email—we read every response.

— The Arthaay Team

Arthaay is a free educational newsletter that documents a personal investment portfolio for informational and educational purposes only. The publisher is not registered with the Securities and Exchange Board of India (SEBI) as a Research Analyst or Investment Adviser. Nothing contained in this newsletter constitutes investment advice, a recommendation to buy or sell any security, or a solicitation to invest. All investments involve risk, including the possible loss of capital. Readers should conduct their own research and consult qualified financial professionals before making any investment decisions.