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Chart Ki Baat
Gyaan Ki Baat
What narrative do you tell yourself about money?
Ravi grew up hearing, “Money doesn’t grow on trees.” His parents worked hard, saved every penny, and avoided risks. Now in his 30s, he earns well but hesitates to invest—fearful that one wrong move will wipe out his savings. His financial story? “Investing is risky. It’s safer to keep money in the bank.”
On the other hand, Priya was raised in a family where money was spent freely. Her parents believed, “You only live once, so enjoy your earnings.” Now, despite a six-figure salary, she struggles with savings, constantly feeling guilty for not being financially secure.
Sound familiar? Whether we realize it or not, the stories we inherit shape how we earn, spend, and invest. But the good news? These stories aren’t set in stone.
How to Change Your Financial Narrative
- Step 1: Identify the Patterns
Ravi realized his fear of investing wasn’t based on facts but on his upbringing. Priya noticed that her guilt about spending came from never being taught financial balance.
- Step 2: Challenge the Old Beliefs
Ravi started researching investments and understood that smart investing reduces risk. Priya created a budgeting plan that allowed for both savings and spending—without guilt.
- Step 3: Rewrite the Story
Instead of “Investing is too risky,” Ravi reframed his belief to “Investing wisely grows my wealth.” Priya replaced “I’m bad with money” with “I can enjoy life while securing my future.”
- Step 4: Get External Perspectives
Both sought advice—Ravi from a financial advisor, Priya from a money-savvy friend. Having an outside view helped them make confident, informed decisions.
The Social Comparison Trap: A Real-Life Lesson
Last year, Aakash scrolled through Instagram, seeing friends vacationing in Europe and buying new cars. Feeling behind, he took out a personal loan to book an international trip—only to return stressed about repayments.
Later, he met his college friend Sameer, who had skipped fancy vacations to invest in real estate. Now, Sameer had a second income stream, while Aakash was struggling with debt. That moment changed Aakash’s mindset.
He unfollowed accounts that triggered comparison, focused on his long-term goals, and celebrated small financial wins. Within a year, he had cleared his debt and started investing.
Your Story, Your Rules
Financial success isn’t about following someone else’s script—it’s about creating one that works for you. So, what’s the next chapter in your money story?
Personal Finance
- Tax harvesting to rescue equity investors: How loss from equities could help you save more tax: Want to legally avoid paying capital gains tax on equities? Tax harvesting can help you save big! Learn how to offset losses, maximize exemptions, and carry forward gains for 8 years. Don’t miss out on this smart tax-saving strategy! Read here
- Social media isn’t your financial advisor: The rise of ‘Finfluencers’ sharing stock tips on social media may seem exciting, but many lack SEBI registration, posing risks to investors. Here are 5 key points to consider and keep in mind when evaluating investment advice on social media. Read here
- I am 57 years old and have property worth Rs 5.35 crore. Should I shift investment to MFs for easier access to funds? At 57, with significant real estate holdings but limited liquidity, is it time to shift to mutual funds for easier access to funds? With ₹5.35 crore in property and ₹1.99 crore in financial assets, what’s the smarter move? Read here
Investing
- Bura na mano, volatility hai! This Holi don’t just dodge colours—learn from them! Markets, like Holi, surprise you when you least expect it. The first dip shocks but staying invested brings rewards. SIPs act like lasting gulal, compounding wealth over time. Don’t wait for perfection-play the game. Read here
- Never Root for a Recession: Think a market crash is your golden ticket?Think again! Lower stock prices come with job losses, shrinking savings, and economic turmoil. Instead of hoping for a crash, get ahead—diversify, build connections, cut unnecessary spending, and seize hidden opportunities. To learn more Read here
- India’s amateur retail investors risking it all amid mounting risks: India’s stock market faces turbulence as FIIs exit, while retail investors, driven by SIPs, keep buying. But is their faith justified? With few alternatives for savings, policymakers must offer safer options—before small investors lose trust and confidence in the system. Read here
Economy & Sector
- India’s best days are unfolding now: India’s 2025 Budget emphasizes infrastructure, industrial expansion, and clean energy, reinforcing its global economic ambitions. With a focus on steel, copper, and data centres, alongside nuclear energy plans, the Budget signals long-term growth while attracting investment and strengthening domestic industries. Read here
- The Future of Decentralized Autonomous Organizations (DAOs) In the Indian Economy: DAOs are redefining business, finance, and governance in India by enabling transparency, financial inclusion, and decentralized decision-making. From crowdfunding to supply chains, they promise efficiency and innovation—but regulatory clarity and adoption challenges must be addressed for their full potential to unfold. Read here
- Summer is early – and India’s economy is not ready for it: India’s rising temperatures are disrupting businesses and agriculture, forcing shifts in traditional models. From declining winter clothing sales to reduced wheat and mango yields, climate change threatens economic stability. Urgent action is needed to mitigate risks and safeguard livelihoods. Read here
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That’s it from our side. Have a great weekend ahead!
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The content of this newsletter is not an offer to sell or the solicitation of an offer to buy any security in any jurisdiction. The content is distributed for informational purposes only and should not be construed as investment advice or a recommendation to sell or buy any security or other investment or undertake any investment strategy. There are no warranties, expressed or implied, as to the accuracy, completeness, or results obtained from any information outlined in this newsletter unless mentioned explicitly. The writer may have positions in and may, from time to time, make purchases or sales of the securities or other investments discussed or evaluated in this newsletter.