Skip to content

Five Napkin Drawings About Money, Risk and Behaviour

A napkin drawing is a rough sketch drawn to effectively communicate an idea. It is called a napkin drawing or a back-of-the-envelope sketch because it can be done anywhere. Carl Richard's napkin drawings are famous and he is an inspiration for me to attempt the same.

A visual representation of a complex fact can be quite convincing. The ideal napkin drawing requires zero context. Unfortunately, mine is nowhere near that good. So permit to offer a sentence or two in explanation. This is my third attempt.

Market Volatility vs Time

Supporting evidence:

Understanding the Nature of Stock Market Returns

Will long-term equity investing always be successful?

Reading patterns of "DIY" Investors?

Visible Wealth vs Invisible Wealth

Visible Wealth = Real Estate, Cars, Watches, Jewels, Expensive Holidays etc.

Invisible Wealth = liquid net worth = stocks, bonds, etc.

Statistics and the Investor

“You are not entitled to your opinion. You are entitled to your informed opinion. No one is entitled to be ignorant.”
Harlan Ellison

Asan Ideas for Risk

Here are my previous two attempts

Visualising the growth of an equity portfolio as a tilted pendulum

Assorted infographics on personal finance

Would you like to share your own napkin drawings?

If you like napkin drawings and have ideas to make some, you can either share the idea or the drawing with me for publication here with due credit.

You Can Be Rich Too With Goal-Based Investing

If you are wondering if you should get my book with Subra(money.com), you can check out the book trailer

Or the book information page: A Beginner's Guide To Make Your Money Dreams Come True!

What Readers Say

Where to Buy

You can get it from:

Amazon.in  NOW 23% OFF Rs. 307 or Bookadda for Rs. 371/-. Or via Infibeam for just Rs. 307.

The book is also available on Kindle at Amazon.in (Rs. 244.30) or at Amazon.com ($3.36 or Rs. 244.30).

Also at,  Google Play Store  (Rs. 244.30)

Free Apps for your Android Phone

Install Financial Freedom App! (Google Play Store)


Install Freefincal Retirement Planner App! (Google Play Store)


Find out if you have enough to say "FU" to your employer (Google Play Store)


About Freefincal

Freefincal has open-source, comprehensive Excel spreadsheets, tools, analysis and unbiased, conflict of interest-free commentary on different aspects of personal finance and investing. If you find the content useful, please consider supporting us by (1) sharing our articles and (2) disabling ad-blockers for our site if you are using one. We do not accept sponsored posts, links or guest posts request from content writers and agencies.

Blog Comment Policy

Your thoughts are vital to the health of this blog and are the driving force behind the analysis and calculators that you see here. We welcome criticism and differing opinions. I will do my very best to respond to all comments asap. Please do not include hyperlinks or email ids in the comment body. Such comments will be moderated and I reserve the right to delete the entire comment or remove the links before approving them.

Do let us know what you think about the article