Posts by CAGRfunds Team

Do health insurance plans cover maternity expenses?

Do health insurance plans cover maternity expenses?


November 30, 2018
“Maternity Plans” are not really separate plans. It is a feature which may be covered under normal health plans. However, only a few health plans offer maternity cover as part of their normal health plans. Key features of maternity cover are as follows: There is usually a separate waiting period for maternity coverage – This […]
Cancer Health Plans may be useful to consider!

Cancer Health Plans may be useful to consider!


November 30, 2018
A slew of niche healthcare plans have been launched recently. These plans cater to specific diseases only. Cancer Plans are one such category. Key features which are common across various Cancer Plans are as follows: Objective is to cover the expenses that arise out of diagnosis of any type of Cancer Benefits are generally payable […]

How does CAGRfunds charge zero to its customers?


September 7, 2018
At CAGRfunds, we help you to invest in “Regular Plans” of Mutual Funds. As such, we earn commissions from the AMCs (Asset Management Companies) based on the value of investments that we facilitate.  The commissions that we get are just one of the many components of the “Expense Ratios” of the funds. Since we get […]
I don’t like negative returns on my investment. What should I do?

I don’t like negative returns on my investment. What should I do?


September 3, 2018
Investors are just humans and every human is a different personality. And hence, our appetite to be able to see our money go up and down might vary as well. And what we want to do with our money is a very personal decision. So it is perfectly okay if you are an investor who […]
Will Debt Funds help you create wealth?

Will Debt Funds help you create wealth?


September 3, 2018
Debt funds are good investment vehicles to protect your capital and still earn more than your bank interest, but they may not sufficient to help you generate enough wealth to achieve financial independence. Let us understand this by an example. Assumptions: A 30-year-old salaried employee has a current monthly income of INR 1.5 Lacs Annual […]
Should I invest in Debt Funds or Equity Funds?

Should I invest in Debt Funds or Equity Funds?


September 3, 2018
Both Debt and Equity Mutual Funds are thriving in the Indian Financial Market. But which one should you as an investor choose between the two? When are Debt Funds suitable? When you want to park some surplus cash for using it within 3 years For creating your Emergency Fund From an asset allocation perspective (when […]
Company health insurance or Separate health insurance?

Company health insurance or Separate health insurance?


August 28, 2018
“At CAGRfunds, we do a weekly session of knowledge sharing within the team. Last week, we had a rather long discussion on whether a separate health cover is required if the employee is covered by his or her company health insurance (Mediclaim) policy. So we started digging into the various critical reasons as to why […]
This Independence Day, check if you are financially independent

This Independence Day, check if you are financially independent


August 14, 2018
A few months ago, I was out taking an evening walk when I happened to run across my old school friend, Gaurav. We both were elated to see each other after more than a decade and decided to grab some coffee and dinner. We walked into a nearby café and started marvelling over how the […]
Is SIP in tax saving funds useful?

Is SIP in tax saving funds useful?


August 1, 2018
At CAGRfunds, January to March quarter is perhaps the busiest for us. No special reason why it should be so, but it is. Why? Because, many of our investors wake up to the need for tax saving investments just then. And then they end up investing a lumpsum amount in tax saving funds (ELSS). What […]
Should you go for the NPS (National Pension Scheme)?

Should you go for the NPS (National Pension Scheme)?


August 1, 2018
If a genie popped in front of me today and granted me three wishes, the child inside me would probably want to get an endless supply of money, a surreal supply of cake and to live forever to enjoy all of those things. But everything in life has an expiry date, including our wealth and us. […]