CAGR Insights is a weekly newsletter full of insights from around the world of web.
| Index | 26-Apr-24 | 19-Apr-24 | Change |
| Nifty 50 | 22,453 | 22,150 | 1.37% |
| Nifty 500 | 20,859 | 20,386 | 2.32% |
| Nifty Midcap 50 | 14,083 | 13,593 | 3.60% |
| Nifty Smallcap 100 | 16,979 | 16,263 | 4.40% |
Chart Ki Baat
Gyaan Ki Baat
The Credit Deposit (CD) ratio serves as a vital metric for assessing a bank’s lending behavior in relation to its deposit base. While the Reserve Bank of India hasn’t set a specific target, the commonly acknowledged comfortable range hovers between 70-80%. This range offers flexibility for banks to balance their lending activities with liquidity management. Exceeding this range could indicate aggressive lending practices, potentially risking liquidity strain or asset quality deterioration. Conversely, falling below the range might suggest underutilization of deposits, impacting profitability. Despite its advisory nature, monitoring CD ratios is crucial for regulators and banks alike to ensure financial stability and responsible lending practices.
Here’s the list of curated readings for you this week:
Personal Finance
- Finance Professionals Embrace Strength Training for Physical and Mental Health – Explores how finance professionals are increasingly embracing strength training for its physical and mental health benefits, amid a culture shift towards prioritizing personal wellbeing in the industry. Read here.
- IRDAI Eases Health Insurance Rules: No Maximum Age Limit, Reduced Waiting Periods – IRDAI’s recent revisions to health insurance regulations in India include eliminating the maximum age limit for purchasing a policy and reducing waiting periods for ailments and pre-existing conditions, providing policyholders with improved coverage and claim settlement terms. Read here.
- Learning from Mistakes – Investing success relies on distinguishing between good decisions and good luck amidst uncertainty, emphasizing the importance of process over outcomes. Read here.
Investing
- Tax Benefits for Second Home Loans – The article explains that income tax benefits for interest and principal repayment on home loans for self-occupied properties, including second homes, are available only under the old tax regime, not the new one. Read here.
- Decades Over Years – The article advocates for a long-term investment strategy, emphasizing the importance of consistently investing over decades despite short-term market fluctuations. Read here.
- Bitcoin Halving Spurs Market Dynamics – Bitcoin’s upcoming halving event, historically followed by strong 1-year returns, is expected to impact mining dynamics, while ETF inflows and potential approval in Hong Kong signal broader cryptocurrency market sentiment. Read here.
- Leadership in Unglamorous Industries – In overlooked industries like mining, transformative leaders excel by mastering the art of sweating the small stuff, ultimately creating substantial value through meticulous attention to detail and exceptional execution. Read here.
- A Precious Metal Poised for a Bull Market – Mounting geopolitical risks and economic uncertainty contribute to the surge in gold and silver prices, with factors including Chinese investment trends, political tensions in over 60 countries, and movements like the #SilverSqueeze driving precious metals to all-time highs. Read here.
- Recognizing Shelf Life – The reality of stock investing involves recognizing that while the intention may be to hold forever, the shelf life of most winning stocks, especially microcaps, typically ranges from 1 to 5 years, with exceptions being rare. Read here.
Economy
- The Evolution of the Hotel Industry: A Shift towards Franchising and Branding Strategies – The hotel industry has witnessed a significant shift towards franchising, minimizing real estate risks for major brands like Marriott, Hilton, and Hyatt, while loyalty programs and dynamic pricing enhance customer engagement. Watch here.
- Rise of New Indian Elites – the emergence of a new elite in India, consisting of individuals from smaller cities, non-elite educational backgrounds, and historically disadvantaged castes, who are gaining access to economic opportunities through improved infrastructure and digital connectivity. Read here.
- Finance Minister Nirmala Sitharaman on India’s Economic Outlook – The article features an exclusive interview with Finance Minister Nirmala Sitharaman discussing India’s economic challenges and strategies for growth amidst global uncertainties. Read here.
- India’s 5G Revolution – India’s swift 5G adoption and rapid expansion, fueled by Reliance Jio and Bharti Airtel, showcase the nation’s commitment to innovation and progress in the global 5G revolution. Read here.
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CAGRwealth smallcase portfolios
Both our smallcase portfolios are ranking well in the smallcase universe in terms of 1 year returns.
- CFF (launched in June 2022) – Ranked among Top 20 smallcase with medium volatility.
- CVM (launched in May 2022) – Ranked among Top 40 across the smallcase universe.
Do check it out here.
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That’s it from our side. Have a great weekend ahead!
If you have any feedback that you would like to share, simply reply to this email.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.