Independent Financial Research

The Rubicon:
understand before
you commit

Independent research on financial costs, market structures, and investment decisions. We do the analysis so you understand what you are committing to before you commit.

Explore Research
Series 02
Latest Research
April 2026
Where Should Indian Investors Put Their Money?
232 rolling windows tested
8.81%
Worst 7Y floor
35 / 35 / 30
Gold · S&P · Nifty
100%
Windows positive
Gold
S&P
Nifty
Read the report →
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Independent
Research conclusions are driven by data, not commercial relationships. Our analytical independence is non-negotiable.
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Quantitative
Every finding is numbers-first. Methodology, data sources, and calculations are documented within each report.
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Actionable
Research is organised in series, each building toward a clear, usable conclusion for your own decisions.
Coverage

What Rubicon Insights covers

Research is organised by topic area. Each area builds a library of interconnected series over time.

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Equities & Index Funds
Cost analysis, benchmark tracking, passive vs active structures, and fund selection.
Active research
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Commodities
Gold investment structures, true cost analysis across ETFs and Fund of Funds, and sovereign bond alternatives.
Active research
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More topics in progress
Coverage is expanding. Upcoming areas include fixed income, portfolio construction, and global markets.
Research Library

Latest Research

Newest series first

Each series is a complete body of work on a single topic. Articles within a series build on each other.

Series 02 Multi-Asset

Where Should Indian Investors Put Their Money?

We tested every possible 7-year investment window from 2000 to 2026 across Gold, S&P 500, and Nifty 50. The data points to one allocation that has never had a bad stretch, and reveals hidden cost traps in the funds that deliver it.

Key finding A 35/35/30 blend of Gold, S&P 500, and Nifty 50 has not returned less than 8.81% in any 7-year window across 232 rolling periods. No single asset comes close to that floor.
  • Report Where Should Indian Investors Put Their Money? April 2026 Read →
Series 01 Commodities

Gold ETF and Fund of Funds: True Cost Analysis

A complete ranking of Gold ETF and Fund of Funds structures on Kuvera, including the hidden two-layer cost that most platforms do not disclose. Covers Sovereign Gold Bond structures and the impact of recent tax changes.

Key finding Fund of Funds structures investing in Gold ETFs carry two layers of fees: the ETF expense ratio plus the FoF wrapper cost. The total all-in cost can be materially higher than the headline TER shown on most platforms.
  • Report Gold ETF and FoF Cost Rankings: Complete Analysis April 2026 Read →
About

Research for investors who read before they act

Rubicon Insights publishes independent financial research. We look closely at what things cost, how markets behave, and what the numbers actually say, so that readers can make more informed decisions.

The name comes from Julius Caesar's crossing of the Rubicon river: a decisive, one-way commitment. Good financial decisions start with understanding exactly what you are stepping into, before you step.

Rubicon Insights is a publication of Rubicon Advisory Pty Ltd, an Australian research and advisory firm.

What this is
Independent financial research. Original analysis, clearly sourced and methodology-driven.
What this is not
Financial advice. We are not licensed advisers. Nothing here should be read as a recommendation to buy, sell, or hold any investment.
Published by
Rubicon Advisory Pty Ltd, Australia. Contact via rubicon-advisory.com.au
Data sources
Primary sources including fund scheme documents, exchange filings, regulatory data, and public market data providers.