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	<description>Desultory Thoughts of a Know-Nothing Investor</description>
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		<title>How Retained Profits Beat High Dividend Yields in Wealth Creation?</title>
		<link>https://rajn.co/how-retained-profits-beat-high-dividend-yields-wealth-creation/</link>
					<comments>https://rajn.co/how-retained-profits-beat-high-dividend-yields-wealth-creation/#respond</comments>
		
		<dc:creator><![CDATA[Raj]]></dc:creator>
		<pubDate>Fri, 13 Feb 2026 11:51:55 +0000</pubDate>
				<category><![CDATA[Dividends]]></category>
		<category><![CDATA[balance sheet]]></category>
		<category><![CDATA[compound annual growth rate (CAGR)]]></category>
		<category><![CDATA[corporate tax]]></category>
		<category><![CDATA[cost of capital]]></category>
		<category><![CDATA[dividends]]></category>
		<category><![CDATA[income tax]]></category>
		<category><![CDATA[long-term capital gains]]></category>
		<category><![CDATA[long-term capital gains (LTCG) tax]]></category>
		<category><![CDATA[return on capital employed (ROCE)]]></category>
		<category><![CDATA[return on equity (ROE)]]></category>
		<guid isPermaLink="false">https://rajn.co/?p=3533</guid>

					<description><![CDATA[<p>Introduction: The Hidden Leak in Your Investment Returns Many investors love receiving regular dividend payouts from their favorite stocks. These cash payments often feel like a steady reward or a gift for being a loyal shareholder. However, a closer look at the math reveals a significant hidden leak in your returns. To be honest, this ... <a title="How Retained Profits Beat High Dividend Yields in Wealth Creation?" class="read-more" href="https://rajn.co/how-retained-profits-beat-high-dividend-yields-wealth-creation/" aria-label="Read more about How Retained Profits Beat High Dividend Yields in Wealth Creation?">Read more</a></p>
<p>Read the full article <a href="https://rajn.co/how-retained-profits-beat-high-dividend-yields-wealth-creation/">How Retained Profits Beat High Dividend Yields in Wealth Creation?</a> on the blog <a href="https://rajn.co">Raj &amp; Co</a>. Copyright © <a href="https://rajn.co">Raj &amp; Co</a>. All Rights Reserved.</p>
]]></description>
		
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		<title>Silent Giving: Why Private Charity and Paying It Forward Work Best</title>
		<link>https://rajn.co/silent-giving-why-private-charity-and-paying-it-forward-work-best/</link>
					<comments>https://rajn.co/silent-giving-why-private-charity-and-paying-it-forward-work-best/#respond</comments>
		
		<dc:creator><![CDATA[Raj]]></dc:creator>
		<pubDate>Tue, 20 Jan 2026 13:50:51 +0000</pubDate>
				<category><![CDATA[Philanthropy]]></category>
		<category><![CDATA[altruism]]></category>
		<category><![CDATA[charity]]></category>
		<category><![CDATA[donation]]></category>
		<category><![CDATA[generosity]]></category>
		<guid isPermaLink="false">https://rajn.co/?p=3528</guid>

					<description><![CDATA[<p>Understanding the True Spirit of Anonymous Charity The Definition of Pure Altruism Pure altruism involves helping others without expecting any public praise. Therefore, true kindness functions best when it remains completely hidden from the world. You should focus entirely on the specific needs of the recipient. Furthermore, a quiet act reflects a sincere and humble ... <a title="Silent Giving: Why Private Charity and Paying It Forward Work Best" class="read-more" href="https://rajn.co/silent-giving-why-private-charity-and-paying-it-forward-work-best/" aria-label="Read more about Silent Giving: Why Private Charity and Paying It Forward Work Best">Read more</a></p>
<p>Read the full article <a href="https://rajn.co/silent-giving-why-private-charity-and-paying-it-forward-work-best/">Silent Giving: Why Private Charity and Paying It Forward Work Best</a> on the blog <a href="https://rajn.co">Raj &amp; Co</a>. Copyright © <a href="https://rajn.co">Raj &amp; Co</a>. All Rights Reserved.</p>
]]></description>
		
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		<title>Dreamfolks Services: The Great Reset and Future Growth Potential</title>
		<link>https://rajn.co/dreamfolks-services-the-great-reset-and-future-growth-potential/</link>
					<comments>https://rajn.co/dreamfolks-services-the-great-reset-and-future-growth-potential/#respond</comments>
		
		<dc:creator><![CDATA[Raj]]></dc:creator>
		<pubDate>Sun, 28 Dec 2025 15:21:08 +0000</pubDate>
				<category><![CDATA[Companies]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Stock Analysis]]></category>
		<category><![CDATA[Stocks]]></category>
		<category><![CDATA[Value Investing]]></category>
		<category><![CDATA[balance sheet]]></category>
		<category><![CDATA[book value]]></category>
		<category><![CDATA[capital expenditure (CapEx)]]></category>
		<category><![CDATA[cash flow statement]]></category>
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		<category><![CDATA[debt-to-equity ratio]]></category>
		<category><![CDATA[free cash flow]]></category>
		<category><![CDATA[market capitalization]]></category>
		<category><![CDATA[net profit]]></category>
		<category><![CDATA[operating cash flow]]></category>
		<category><![CDATA[price-to-earnings ratio (P/E)]]></category>
		<category><![CDATA[price-to-sales ratio (P/S)]]></category>
		<category><![CDATA[profit and loss]]></category>
		<category><![CDATA[return on capital employed (ROCE)]]></category>
		<category><![CDATA[return on equity (ROE)]]></category>
		<category><![CDATA[stock market]]></category>
		<guid isPermaLink="false">https://rajn.co/?p=3519</guid>

					<description><![CDATA[<p>Abstract: In 2023, Dreamfolks Services was a market darling. By late 2025, it has become a market pariah. The exit of major banking clients triggered a collapse in the stock price. However, price and value are rarely identical. This comprehensive &#8220;White Paper&#8221; explores the anatomy of the crisis. I dissect the &#8220;Great Reset&#8221; of the ... <a title="Dreamfolks Services: The Great Reset and Future Growth Potential" class="read-more" href="https://rajn.co/dreamfolks-services-the-great-reset-and-future-growth-potential/" aria-label="Read more about Dreamfolks Services: The Great Reset and Future Growth Potential">Read more</a></p>
<p>Read the full article <a href="https://rajn.co/dreamfolks-services-the-great-reset-and-future-growth-potential/">Dreamfolks Services: The Great Reset and Future Growth Potential</a> on the blog <a href="https://rajn.co">Raj &amp; Co</a>. Copyright © <a href="https://rajn.co">Raj &amp; Co</a>. All Rights Reserved.</p>
]]></description>
		
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