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Common Sense is Your Greatest Financial Asset
In the noisy world of finance, we often forget that the smartest investment strategy isn’t buried in jargon or complex algorithms — it’s good old common sense.
Think about it — investing isn’t rocket science. It’s about using simple principles like saving regularly, staying invested, avoiding unnecessary costs, and letting compounding do its magic. But somewhere along the way, the financial industry decided that if investing looks complicated, you’ll pay more for advice. So, they built layers of categories, ratings, schemes, and strategies — enough to make even seasoned investors feel lost.
The truth? Complexity benefits the seller, not the investor.
That’s why the most successful investors we’ve seen over the years aren’t chasing hot tips or exotic strategies. They do a few things consistently well:
- They invest regularly.
- They stick to their plan.
- They don’t panic during market falls.
- They focus on goals, not gossip.
And here’s the kicker — they apply these principles to their entire family’s finances, not just their own. Because in India, money is a family affair. Your investments are connected to your spouse’s dreams, your kids’ future, and your parents’ security.
So why use platforms that treat you like an isolated account? Financial tools should reflect how Indian families actually manage money — together.
The bottom line? You don’t need to decode finance. You just need to listen to your instincts.
If it sounds too complex, too salesy, or too urgent — pause. Ask yourself, Does this make common sense?
Because when it comes to wealth creation, common sense isn’t just enough — it’s everything.
Personal Finance
- Why Indian women and finance are not a match made in heaven: In 2016, a finance session with powerful women revealed a surprising truth—they felt lost discussing money. This sparked a mission to help women reclaim financial confidence. Still feel unsure about money. You’re not alone read this before your next paycheck.Read here
- In nominee vs legal heir who gets the precedence? Court says inheritance: What happens if there’s no Will? The Allahabad HC ruled that insurance nominees aren’t owners—just trustees. Legal heirs prevail under succession law. A must-read if you think your nominee will automatically inherit your insurance payout—you could be wrong. Read here
- Has the American Dream Become Unattainable? Is the American Dream Dead—or Just Evolved? Owning a home, doing better than your parents—it’s getting harder. But is the Dream really gone, or just different now? This deep dive challenges everything you think you know. Click to see how the dream is being redefined. Read here
Investing
- Gold is booming – but investors lured in by the hype could lose out, warn experts: Gold prices have surged to record highs due to geopolitical tensions, inflation fears, and central bank buying. While demand remains strong, experts warn of a potential bubble. Investors are urged to diversify and avoid relying solely on gold for returns. Read here
- Riding the storm: Market crashes test investor nerves, but those who stay the course often win big. Discover why panic selling costs more than you think—and how five simple strategies can protect your wealth. One read could change your investing journey. Read here
- Master smart investing with 7 timeless lessons from ‘A Random Walk Down Wall Street’ by Burton Malkiel: Explore 7 enduring investment principles from Burton Malkiel’s ‘A Random Walk Down Wall Street’, offering smart insights on market efficiency, diversification, and compounding to help modern investors build steady, long-term financial success. Read here
Economy & Sector
- Why education loans matter more than ever in India’s growing economy: As education costs soar, student loans in India surge, public sector disbursals hit Rs 28,699 crore in 2023-24. Explore key trends, rising demand, and how loans are reshaping access to higher education and economic growth. Read here
- India’s retail inflation eases to six-year low of 3.16% in April 2025 over cooling food prices: Retail inflation fell to 3.16% in April 2025—its lowest in nearly six years—driven by falling food prices. With inflation well below the RBI’s 4% target, analysts expect a 25-bps rate cut in the June policy review. Read here
- India’s economy is resilient to weather war-like crises: India’s economy remains resilient post a brief conflict with Pakistan, says CII chief Sanjiv Puri. While 6.5% growth is likely in FY26, sustained tensions may affect investment flows. Can India still aim for 8% 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.