CAGRfunds – Blog

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

Chart Ki Baat

Gyaan Ki Baat 

When Speed Becomes the Game

What happens when you pack your portfolio with the fastest-rising stocks?

In 2023, it meant celebration—momentum funds returned 42%, flexi-caps trailed at 29%. Momentum became the darling of the bull market. Portfolios soared. Investors cheered. And fund assets tripled in four years.

But trends, by nature, don’t last forever.

Fast forward to now: the same funds that topped charts are sitting at the bottom decile. One sharp correction, and the thrill turned into whiplash. Momentum didn’t just dip—it dove. Why? Because when sentiment breaks, momentum doesn’t stroll out. It bolts. No loyalists, no long-term believers—just silence and selling.

A quick look at the Nifty 200 Momentum 30 shows a beta of 1.20 and downside capture of 1.43. In simple terms: when the market falls, it falls harder.

So where does that leave investors?

Some are now looking at the 11% overlap between momentum and flexi-cap portfolios and seeing opportunity. Different stocks. Different cycles. A possible edge. Others are noticing how most flexi-cap funds held up better in the correction.

Momentum isn’t just a strategy—it’s a mood. One that rises fast but also tests your nerves when things turn. The game isn’t just about catching trends. It’s about knowing when you’re riding one—and when the trend is riding you.

Some are not discarding momentum—but domesticating it. Keeping it to 10–30% of the portfolio and pairing it with flexi-cap or multi-cap funds that can adapt.

Because sometimes, it’s not about choosing sides—it’s about building balance.

Personal Finance

• Will 77% Indian families retire poorer than they should? In 2023–24, household wealth in India surged by over 19 per cent. But here’s the catch: a big chunk of that growth didn’t come from saving more — it came from being invested in the right places. So, want to know where Indian households are saving their money, as per the latest RBI report? Read here

• EPF, NPS, PPF: How much should you invest in these schemes monthly to build a Rs 5 crore retirement corpus? Planning to build a Rs 5 crore retirement fund by age 60? Here’s a detailed comparison of EPF, NPS, and PPF to help you choose the best scheme in 2025. Learn about returns, tax benefits, risks, and expert-backed strategies. Read here

• Changed jobs recently? Here’s how to file ITR without any errors: Switching jobs mid-year can complicate tax filing, but with a little attention to detail, you can avoid common mistakes. As experts say, ‘A few extra steps today can save you headaches tomorrow. Read here

• How to Make More Without Working More: Making more without working more. It’s the holy grail of personal finance. But is it as difficult to achieve as it seems? Or are there actual ways to increase your earnings without needing to increase your effort? Read here

Investing

• Assumptions Can Be Costly in the Markets: Imagine you’re the Thanksgiving turkey—fed daily, life feels secure. But then, the unexpected happens. Like markets, the past doesn’t guarantee the future. Want to invest smarter? Build a rule-based system that ignores emotion and survives any market. Ready to rethink? Read here

• The performance of safe haven assets during geopolitical conflicts: Geopolitical conflicts have historically influenced financial markets, prompting investors to seek refuge in safe haven assets. But how do these assets perform when crises erupt, and which ones offer the most reliable protection?Read here

Economy & Sector

• India’s Export Boost for Economic Growth: To boost exports and become the world’s 3rd-largest economy, India must invest in its shipping sector, says Minister Shantanu Thakur. What’s key? Faster transport, AI-driven logistics, better connectivity, and adding more value to Indian products. Thoughts? Read here

• How India’s hospitality boom is reshaping talent, tech, and tier 2 growth: In this new era, hospitality is no longer just about transactions; it’s about transformation. Success will belong to those who reimagine the sector as a platform for meaningful engagement, driven by innovation and powered by a young, dynamic workforce.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

****
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 

Want High Returns Fast? Here’s the Reality Check

We all dream of quick riches — like Sameer, hoping for 20% returns in just three years, with zero risk. Sounds amazing, right? But here’s the truth: chasing high returns without respecting risk is like expecting a Ferrari to run on just water.

Small- and mid-cap funds can deliver big gains, but they’re also rollercoasters — sometimes dropping your money by 30-40% in just a few years. If your cash is needed soon, riding that wave is a gamble you might lose.

So, what’s the smart move? When the clock’s ticking, think boring but steady: short-duration debt funds. They won’t make you rich overnight, but they protect your money and grow it reliably.

Remember, investing is a marathon, not a sprint. Patience is your best friend — and respecting risk is the secret sauce. Fast money sounds sweet, but steady wins the race every time!

Personal Finance

• EPF, NPS can build Rs 12 crore retirement fund. Tax expert breaks it down: A ₹12 crore retirement corpus is possible for salaried individuals earning up to ₹14.65 lakh by smartly using EPF and NPS. This strategy offers tax-free salary today and long-term wealth, combining stability, growth, and tax efficiency over 30 years. Read here
  
  
• Non-Resident Indians can pay zero tax on capital gains; here’s how: NRIs can pay zero tax on long-term capital gains from foreign exchange assets by reinvesting proceeds in specified Indian assets under Section 115F. With smart planning, they can legally reduce tax, preserve wealth, and reinvest efficiently across borders. Read here

• Why hitting pause on your loan might cost you more: Loan moratoriums offer temporary EMI relief but can lead to long-term costs due to accrued interest and potential compounding, making it a costly option for borrowers in financial stress. Read here

Investing

• Why Financial Independence is Overrated: Financial independence is often overhyped. True financial well-being lies in financial freedom—having choices and security, not just quitting work. Instead of rushing toward early retirement, aim for Coast FIRE: a balanced life where meaningful work and financial peace coexist.Read here
  
  
• How do changing interest rates affect the stock market? Despite high but stable interest rates, equity markets have rebounded in 2025, with the S&P 500 reaching record highs. Range-bound Treasury yields and steady Fed policy support investor confidence, while sector performance shifts reflect evolving economic and inflation dynamics. Read here
  
  
• The Power of Longevity Investing: When Retirement Goes Off-Card: Retirement is evolving as longer lifespans, rising costs, and shifting goals reshape expectations. Many now work past 65, emphasizing purpose over just savings. Longevity trends are also opening new investment opportunities in healthcare, tech, real estate, and lifestyle sectors. Read here

Economy & Sector

• Govt approves ₹1-trillion RDI scheme to boost private-sector innovation: The Union Cabinet approved a ₹1-trillion RDI Scheme to boost private investment in high-growth sectors like AI and green tech. Managed by ANRF, it offers long-term, low-interest funding to bridge research funding gaps and strengthen strategic innovation. Read here
  
  
• Power Sector: How Financial Sustainability Can Make Discom Landscape Resilient: India’s discoms face mounting financial challenges amid rising energy demand. Ensuring sustainability requires smart metering, tariff reforms, debt restructuring, and infrastructure upgrades. Government schemes like RDSS, along with private investment and policy support, are key to long-term viability.Read here
  
  
• India needs a nationwide strategy, not patchwork SEZs: India must move beyond Special Economic Zones (SEZs) to achieve true industrial competitiveness. Instead of relying on isolated enclaves, systemic reforms in governance, infrastructure, and regulatory consistency nationwide are needed to position India as a credible global manufacturing power. 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

****
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 

Rohan stared at his phone.

42 months. Rs 5,000 every single month.

His reward? A decent Rs 46,000 gain.

22% up — and yet, he felt let down.

Social media was full of SIPs turning into crores. His friend’s fixed deposit was outperforming. The hype didn’t match the reality.

He almost hit “Pause SIP.”

But then, he called his uncle — the man who had convinced him to start.

“Funny,” his uncle said. “I began mine in 1995. Same Rs 5,000/month. After 3.5 years, I was down 6.5%.”

Losing money. But he didn’t stop.

“Today,” he said, “that SIP is worth Rs 1.79 crore. I invested Rs 18.3 lakh. The rest? Pure compounding.”

And just like that, Rohan saw it.

The real wealth wasn’t in chasing big returns. It was in not quitting when things looked small.

Compounding starts like a rusted cycle — slow, boring, thankless.

But if you just keep pedalling, one day, it takes off like a rocket.

Don’t stop your SIP when it feels ordinary.

That’s exactly when extraordinary is quietly being built.

Personal Finance

• FDs Vs PPF: Does this still make sense to invest in fixed deposits? After RBI’s 100 bps repo rate cut in 2025, banks slashed FD rates. Top banks now offer 6.45–6.85% interest, while PPF remains steady at 7.1% tax-free. FDs lag in returns and tax benefits—choose wisely! Read here
  
  
• Creating an inheritance pot for the family: Turning ₹25L into a multi-generational legacy? This dad’s bold inheritance experiment skips strict goals and rebalancing rules—focusing instead on long-term compounding, smart fund choices, and financial wisdom for his kids. Curious how? Click to explore this inspiring plan! Read here
  
  
• DIY investing is rising — but you still need help with your money: Even the steadiest hands can shake when emotions are involved — just like Dr. Pavri in Munna Bhai MBBS. Managing money is no different. DIY finance is empowering, but expert advice can help avoid costly mistakes and steady your path. Read here

Investing

• Why asset allocation matters: From inflation to market swings, today’s investors face nonstop challenges. Enter multi-asset allocation—a smart mix of equity, debt, and gold that cushions risk and captures growth. Discover why this strategy wins the long game.Read here
  
  
• What’s Better Than U.S. Bonds for Downside Protection? Is U.S. bonds still your go-to for safety? Think again. From gold to global bonds, managed futures to tail risk funds—new tools offer smarter downside protection. But at what cost? Discover what really shields your portfolio when markets crash. Read here

Economy & Sector

• Why S&P Global thinks Indian economy will withstand West Asia turmoil: Despite ongoing West Asian tensions, S&P Global predicts no major impact on India’s currency or inflation. Lower oil prices and stable energy costs are providing a cushion. GDP growth is revised upward to 6.5%, with inflation expected near 4%. Read here
  
  
  • India imposes anti-dumping duty on plastic machines from China, Taiwan: India has imposed anti-dumping duties of 27–63% on plastic processing machines from China and Taiwan to protect local manufacturers, following DGTR findings of unfair pricing and industry harm. Key global firms face steep penalties starting June 26, 2025. Read here
    
    
• India, US trade talks face roadblocks ahead of tariff deadline: Despite the impasse, Indian officials stress long-term commitment to the U.S. as a trusted economic partner, while maintaining policy independence. 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

****
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 

Want to Be a Better Investor? Study Failures, Not Just Successes

We’re all drawn to success stories—the investor who bought Amazon early, the fund that doubled in a year, the stock that turned rags into riches. But here’s a simple truth: success can be misleading. What often gets ignored are the countless failures that didn’t make the headlines.

Mohnish Pabrai, a well-known value investor, credits much of his investment approach to “cloning” the greats—Warren Buffett, Charlie Munger—not just by following their successes, but by deeply understanding their mistakes. Why? Because mistakes teach far more than wins ever will.

Success often carries the risk of survivorship bias—we see only what worked, not the thousands of similar bets that failed. On the other hand, mistakes follow patterns. Panic selling, chasing hot stocks, falling for “this time it’s different”—these behaviours have repeatedly destroyed wealth across generations and geographies.

Studying failures develops what psychologists call defensive pessimism—not negativity, but a realistic mindset that anticipates risks and builds resilience. The most successful investors aren’t flawless—they’re just better at avoiding big blunders. They don’t try to predict the future; they protect against predictable errors.

So, before you jump on the next big trend, pause and ask: What went wrong for others in similar situations? You’ll gain an edge—not by finding the perfect investment, but by avoiding the obvious traps.

💡 As Buffett says: Rule No. 1 — Don’t lose money. Rule No. 2 — Don’t forget Rule No. 1. Studying mistakes is the best way to follow both.

Personal Finance

• NRI wins capital gains tax case in Delhi High Court regarding sale of Rs 2 crore property despite Rs 46 lakh tax demand notice: An NRI faced tax issues after a property sale in Pune for Rs 2 crore. The buyer used the wrong TDS form (26QB), causing problems. The Income Tax Department issued a tax demand notice of Rs 46 lakh. The Delhi High Court intervened, directing the department to correct the TDS records. The court ordered a tax refund computation for the NRI. To know more Read here
  
  
• How to switch health insurance without losing benefits: Insurance regulator allows you to switch health insurers without losing benefits like waiting period credits and bonuses. Here’s how to port your health policy for better features and fewer claim rejections. Read here
  
  
• How to plan for regular holidays abroad: Want to travel every two years without guilt or financial stress? Discover the smart system that helps you fund 20 epic holidays—without compromising your big goals. The secrets in the step-up strategy—click to see how it works! Read here
  
  
• The Separate + Joint Method: How My Spouse and I Manage Our Money: Pooling everything? Keeping it separate? We found a smarter third way. It’s simple, fair, and gives us both freedom and shared purpose. Six months in—and we’re closer than ever. Curious how it works? Click to read our full story. Read here

Investing

• For Diversification from Stocks, Cash Has Made a Good Case for Itself: New data from Morningstar shows cash—not bonds—was the real hero during recent market shocks. With correlations shifting and traditional diversification tools faltering, it’s time to rethink your safety net. Click to discover which assets protect your portfolio—and which ones are secretly riding the same roller coaster as stocks. Read here
  
  
• 5 reasons long-term investing beats day trading: Dreaming of quitting your job to day trade? Here’s why that’s a fast track to stress and losses. Long-term investing builds real wealth—with less risk, more sleep, and beach days instead of burnout. Want to know why traders rarely win? Read here

Economy & Sector

• How formal staffing can drive India’s job quality and economic growth: India’s job crisis isn’t about quantity—it’s about quality. As informal work dominates, the formal staffing industry emerges as a game-changer. By bridging skill gaps, formalising employment, and supporting MSMEs, it can drive productivity, stability, and inclusive growth. Can staffing firms reshape India’s workforce future? Read here
  
  
• India’s share in global exports touch 3% on booming services: India’s share in global exports rose to 3% in 2023 from 2.2% in 2010, growing at 6.3% annually—the fastest among major economies, says UNCTAD. Driven by booming services, resilient trade policies, and strong manufacturing, India’s exports reached $825 billion in 2024-25. Read here
  
  
• How Geopolitical Headwinds Are Casting a Shadow Over India’s Economy: India’s economy faces rising external risks—from crude oil shocks to rare earth shortages and trade tensions. Experts warn of policy limitations, even as India eyes global manufacturing shifts in its favour. 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

****
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.