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The Power of “Enough”
In our relentless pursuit of financial security and abundance, it’s easy to get caught on a hamster wheel of more. More income, more investments, more possessions… But have we ever paused to ask ourselves a fundamental question: “How much is enough?”
This isn’t some philosophical riddle; it’s a crucial element of sound personal finance. Understanding your “enough” isn’t about settling for less or stifling ambition. It’s about:
- Defining True Wealth: True wealth isn’t just about the digits in your bank account. It’s about aligning your spending with your values and using your resources to create a life you genuinely enjoy. What experiences, relationships, and contributions truly matter to you?
- Avoiding Lifestyle Inflation: As our income grows, so often does our spending. Recognizing your “enough” helps you resist the urge to constantly upgrade your lifestyle to match your earnings, freeing up more resources for saving, investing, and pursuing your passions.
- Reducing Financial Stress: Constantly chasing “more” can lead to chronic stress and anxiety. Knowing your “enough” provides a sense of contentment and security, allowing you to focus on what truly matters.
- Making Intentional Choices: When you know what “enough” looks like for you, you can make more deliberate choices about your career, spending, and investments. You’re less likely to be swayed by societal pressures or marketing tactics that push you to consume more than you need.
So, how do you find your “enough”?
- Reflect on Your Values: What truly brings you joy and fulfillment?
- Track Your Spending: Where does your money actually go?
- Define Your Goals: What do you want to achieve with your money?
- Imagine Your Ideal Life: What does a fulfilling day, week, or year look like?
Finding your “enough” is a journey, not a destination. It’s about continuous self-reflection and aligning your financial decisions with your values. When you know what’s truly enough, you can live a richer, more meaningful life, regardless of your net worth.
Personal Finance
- Budget changes: Will capitals gains make you ineligible for tax rebate? For many taxpayers, the Section 87A rebate under the Income Tax Act has been a valuable relief, reducing the overall tax liability, especially for those with an income of Rs 7 lakh or less. However, the Union Budget 2025 has introduced significant changes that could affect how you claim this rebate. Read here
- What’s the smarter choice — to buy a flat or rent one? Should you rent or buy a home? It’s a classic dilemma! Buying builds stability and wealth but renting offers flexibility and financial freedom. The right choice depends on your career, liquidity, and market conditions—so crunch the numbers and plan wisely! Read here
- LIC rolls out Smart Pension Plan. Key questions answered on retirement scheme: Life Insurance Corporation of India (LIC) has rolled out LIC New Smart Pension Plan. It is a non-participating, non-linked, individual, savings, immediate annuity plan. Read here
Investing
- NSDL, CDSL launch unified app to streamline financial data: NSDL (National Securities Depository Limited) and CDSL (Central Depository Services Limited), in collaboration with capital markets regulator Securities and Exchange Board of India (SEBI), have launched a mobile app Unified Investor Platform for investors to manage their portfolios. How will it benefit investors to manage portfolios? Read here
- Is it a good time to invest in non-convertible debentures (NCDs) amid market correction? As stock markets face continued selloffs, some investors are considering non-convertible debentures (NCDs) for stable returns. NCDs offer fixed interest rates and come in secured and unsecured types. To learn more about them Read here
- IFSCA eases compliance for fund managers in GIFT City to boost investment: IFSCA has eased regulations for fund managers in GIFT City, slashing corpus requirements, simplifying compliance, and allowing greater investment flexibility. Key reforms include relaxed listing norms, overseas expansion freedom, and streamlined hiring—boosting GIFT-IFSC’s appeal as a global investment hub. Read here
Economy & Sectors
- India set to become high-income country by 2047 buoyed by services sector: India is projected to become a high-income country by 2047 with a GDP of $23-35 trillion, driven by the services (60%) and manufacturing (32%) sectors. With 200 million joining the workforce, high-value job creation will unlock economic potential. Read here
- Is India’s economy set for a strong recovery? Here’s what RBI says: The government’s push on capital spending, MSMEs, agriculture, and exports is expected to help the economy in the long run while keeping the fiscal deficit in check. A recent repo rate cut might also support domestic demand. Read here
- India Aims For 70% Female Workforce Participation By 2047: Addressing the first G20 Employment Working Group Meeting 2025 under South African Presidency, Union Labour Secretary Sumita Dawra also stated that India’s increasing participation of women in high-growth sectors like IT, R&D, and engineering was noted as a critical driver of economic growth. 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.