Category: Personal Finance

CAGR Insights is a weekly newsletter full of insights from around the world of the web.

Chart Ki Baat

Gyaan Ki Baat 

Patience is the Key to Investing Success

Investing is much like growing a Chinese bamboo tree. For years, the tree shows no visible growth above the ground. But during this time, it is quietly building a strong root system underground. Then, almost miraculously, it shoots up to towering heights in just weeks. The lesson? True success in investing requires patience and a solid foundation.

When you invest for the long term, your money works silently behind the scenes—compounding, weathering market fluctuations, and building financial stability. Just like the bamboo tree, your portfolio needs time to establish its “roots” before delivering visible results. Impulsive decisions and chasing quick returns can uproot your progress.

Remember, patience allows you to harness the power of compounding, ride out market volatility, and achieve sustainable growth. Stay focused on your long-term goals because, just like the bamboo tree, your investments will eventually grow tall and strong if nurtured with time and discipline.

Personal Finance

• PFRDA notifies assured pension scheme for govt employees: 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
  
  
• I have a group term life insurance plan. Will this be adequate to meet my family’s financial needs? A general guideline is having a life cover of at least 10 to 11 times your annual salary, but this can vary based on unique factors. To learn more Read here
  
  
• How may a travel fund SIP change the way people save for vacations? Saving for a vacation often feels like an afterthought — many people either use their credit cards or dip into their savings at the last minute. But what if there was a structured way to save for travel while locking in the best deals?Read here

Investing

• How Not to Invest: Investment success often comes from avoiding mistakes rather than seeking big wins. How Not to Invest highlights common errors, like overconfidence in private investments, timing markets based on tax policy, and laziness in managing money, offering valuable lessons for all investors. Read here
  
  
• I have Rs 20 lakh. Here’s how I plan to reach Rs 1 crore: Abhay, a casual investor, accumulated Rs 20 lakh by 32 through unplanned investments. Realizing the need for strategy after marriage, he decided to change his approach. To learn from Abhay’s story.Read here
  
  
• How should I start investing? If you’re a young graduate eager to start investing, prioritize building an emergency fund first, then aim to invest 15% of your income in a diversified portfolio, focusing on equities and high-growth sectors. Plus, discover how mediation can save you time and money in legal disputes— to learn more! Read here

Economy & Sector

• India’s economic indicators and consumption trends shows sustained growth momentum: India’s economy shows resilience, with projected 6.5% growth in 2024-25, fuelled by strong private consumption, government spending, and sectoral performance. Key industries like construction, financial services, and trade thrive, positioning India as a stable growth leader globally. 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
  
  
• India to dethrone Germany as world’s third-biggest economy by 2028: India is poised to surpass Germany and become the world’s third-largest economy by 2028, driven by robust economic growth, strong policy frameworks, and improving infrastructure, according to a recent Morgan Stanley report. Read here

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Check out CAGRwealth smallcase portfolios

Our smallcase portfolios are ranking well in the smallcase universe in terms of 1-year returns.

• CFF (launched in June 2022) – Ranked 1^st amongst smallcase with medium volatility.

• CVM (launched in May 2022) – Ranked among Top 20 across the Momentum 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.

CAGR Insights is a weekly newsletter full of insights from around the world of the web.

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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Check out CAGRwealth smallcase portfolios

Our smallcase portfolios are ranking well in the smallcase universe in terms of 1-year returns.

• CFF (launched in June 2022) – Ranked 1^st amongst smallcase with medium volatility.

• CVM (launched in May 2022) – Ranked among Top 20 across the Momentum 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.

CAGR Insights is a weekly newsletter full of insights from around the world of the web.

Chart Ki Baat

Gyaan Ki Baat 

From Saving to Investing – A Financial Evolution for Women

For generations, women in India have been celebrated as excellent savers, skilfully managing household budgets and planning for future needs. However, saving alone is no longer sufficient to secure financial independence in today’s world. The transition from saving to investing is not just a financial necessity but a step toward empowerment and wealth creation.

• Why Investing Matters

The difference between saving and investing lies in their outcomes. While savings provide security, investments offer growth. With inflation eroding the value of money over time, merely saving in traditional forms like fixed deposits or cash cannot ensure long-term financial well-being. Investments, on the other hand, allow money to grow and compound, building wealth over time.

• Breaking Stereotypes

Historically, women have been discouraged from investing due to outdated notions like “finance is too complex” or “investing is risky.” However, these myths are being shattered as women increasingly take charge of their financial futures. Recent data highlights this shift:

– Women’s share in mutual fund investments has grown significantly, with their Assets Under Management (AuM) rising from ₹98,000 crore in 2017 to ₹7.5 trillion by 2024—a 33% share of total individual investors’ AuM.

– Approximately 79 lakh women now hold mutual fund folios, marking a 25% increase in the women investor base over the past year.

– SIPs (Systematic Investment Plans) are particularly popular among women, with 26% of all live SIPs attributed to them in 2023.

• Lessons from the Past

In the 1980s, women relied on creative strategies to save and invest within their means. Some hoarded spare change that grew into significant savings over decades, while others invested in real estate—then the most accessible form of wealth creation. These stories remind us that women have always been resourceful with finances; they simply lacked access to modern investment tools.

• The Path Forward

Today’s women have more opportunities than ever to grow their wealth:

1. Start Small: SIPs allow investments with as little as ₹500 per month.

2. Diversify: Spread investments across equities, mutual funds, gold, and real estate for balanced growth.

3. Leverage Technology: Use digital platforms for easy access to financial products and real-time portfolio management.

4. Educate Yourself: Financial literacy is key to making informed decisions.

• Conclusion

The growing participation of women in India’s investment landscape is a testament to their evolving financial independence and empowerment. By embracing investing alongside saving, women can ensure not just stability but also prosperity—for themselves and future generations. This Women’s Day let’s encourage every woman to take that first step toward becoming a smart investor!

Personal Finance

• Income-tax bill 2025: When can tax officials check your email, social media, trading and bank accounts? As per the Income-tax Bill 2025, if tax officials have reasons to believe that you are deliberately hiding details of an undisclosed income then they may ask you provide access to your virtual digital spaces. If you fail to provide access or assist them in their investigation, then they may break into them to find out. Read here

• Women’s share in mutual funds doubles in five years, now at 33% of total assets: Women now hold 33% of mutual fund AUM, doubling investments to ₹11.25 lakh crore in five years. SIP adoption, financial independence, and rising single women numbers drive growth, with more women in both urban and smaller towns actively managing their wealth. Read here

Investing

• Scams, Damn Scams, and Investors: The financial world is full of clever scams—misleading charts, cherry-picked stock picks, and false promises of outperformance. Think you can spot them? Think again. Before you invest, ask yourself: are you being played? Read on to uncover the truth! Read here

• Tired of buying the dip? 3 survival strategies for investors trapped in bear market: The buy-the-dip mantra, which fuelled retail investors after the Covid crash, is now under fire as stock market bulls struggle to regain footing after five months of relentless declines. With the Nifty PE slipping below 20 for the first time in 32 months and valuations normalizing, the big question is: what next? Read here

• The wisdom of inattention: Sensex tumbles, experts panic, and investors ask—“Is this time different?” Spoiler: It’s not. Markets have survived crashes, scams, and crises. SIPs win because they cut out emotions. Read here

Economy & Sector

• The retirement savings gap in India will rise to $96 trillion by 2050: India’s pension market, just 3% of GDP, has huge growth potential as NPS adoption rises. With tax benefits, AI-driven fund management, and innovative schemes like NPS Vatsalya, retirement savings are set to grow. As India’s aging population increases, a stronger pension system is crucial to bridging the retirement savings gap. Read here

• Battle for growth: On India’s economic trajectory: India’s Q3FY25 GDP grew 6.2%, driven by the primary sector, but manufacturing and services lagged amid global trade risks. While consumption and government spending rose, concerns over data revisions and inflation persist. Can India sustain growth? Read here

• U.S. eyes zero tariff on cars in India trade deal as Tesla entry nears: India is unlikely to relent to U.S. demands to reduce tariffs on auto imports to zero immediately, it has been priming the industry to prepare for a lower tariff regime and be open to competition. Read here

Check out CAGRwealth smallcase portfolios

Our smallcase portfolios are ranking well in the smallcase universe in terms of 1-year returns.

• CFF (launched in June 2022) – Ranked 1^st amongst smallcase with medium volatility.

• CVM (launched in May 2022) – Ranked among Top 20 across the Momentum 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.