Posts by CAGRfunds Team

The 50/30/20 Formula


February 4, 2020
The path to achieving financial wellness starts by inverting the equation of ‘income minus expenses’ into ‘ income minus savings’. Does moulding your money habits seem too overwhelming? Does thinking of how to build a road towards the future and get started makes you feel at the end of your wit? You don’t need to […]

Dodge these Investment Pitfalls in 2020


January 23, 2020
As you take stock of the triumphs and blunders made in 2019, the new year is the best time to brush up on the basics and become a better investor. Most mistakes investors make are due to their own biases which keep them from making rational decisions. These biases are psychological – they are basically […]

What is the most poorly understood area of personal finance?


October 3, 2019
Success in personal finance is based on some simple practices followed by individuals over a long period of time. Charlie Munger has summarized it well in 15 words: Spend less than you make; always saving something. Put it into a tax-deferred account. I often feel people under-appreciate the importance of tax deferral for their investments. I have created […]

Mental Shift – one small step towards making you richer


September 24, 2019
In order to properly balance living in a sometimes chaotic world, it is important for you to have beneficial attitudes. This is especially important when managing your finances. With very simple but effective steps, this too can be very easily done. Here are a few ways of how some of our clients implemented a mental shift to […]

September 9, 2019
Financial literacy among children Education of a child begins at home and in India, I have not seen many parents talking about “money” and “finances” to children from a very tender age. The conversation is limited to what we can buy for them and vice versa. Conversations around savings, rising cost of living, goals is largely missing. […]
Life lessons that stuck to me

Life lessons that stuck to me


September 5, 2019
Life and failure are the biggest teachers, as they say. Every day in life is a learning of a different kind and some of the lessons learned stick with us forever. And of course, teachers come in different forms – a friend, a colleague, a family member, a mentor or simply even a book or […]

A head for numbers and a heart for words.


August 26, 2019
Sonia Gandhi Limaye is the founder of Kalamwali and Rightwords Publications Pvt. Ltd. in Pune. Born and raised in a business family, she knew that she always wanted to be a business owner. But that said, she was also clear about establishing and running an organisation that would let her have a good work-life balance, for herself […]

All in a pot of tea.


August 20, 2019
Anamika Singh is a second generation tea sommelier who has been learning, absorbing, experiencing, creating and spreading the good word of tea for the past 30 years. She has lived her life largely in the mountains of Darjeeling & Dharamsala. Around 6 years ago, after working for a considerable amount of time with her father, Abhai Singh in […]

There’s a new Spice Girl on the block


August 14, 2019
This one is not to be confused with the famous girl band from the 90s. Singapore-based Namita Moolani Mehra is a mom of two and is the founder of Indian Spicebox. Her brand is about enabling families to eat more wholesome home-cooked meals, including healthier versions of restaurant favourites. Simple recipes are packaged with wonderful […]

Love at first sight!


August 5, 2019
Rucha Mulay, founder of R Pilates Studio in Pune is also the pioneer of equipment Pilates in the same city. Having flown for British Airways as an international cabin crew for 10 years, Rucha’s love for Pilates was a discovery during one of her trips to London that set her on a journey from where there’s […]
PPFAS – CAGRfunds conviction recommendation

PPFAS – CAGRfunds conviction recommendation


March 16, 2019
Parag Parikh Long Term Equity Fund (PPLTE) is the only equity fund that is managed by the investment team of PPFAS. As a recent entrant in the Mutual Fund Industry (fund was launched in May 2013), it is not the most popular fund in the market. At least we do not see people including them […]
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 […]