CAGR Insights – 03 Mar 2023

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

Index13-Jan-2306-Jan-23Change (%)
Nifty 5017,59417,465-0.15
Nifty 50014,77414,630-0.41
Nifty Midcap 508,6238,4760.10
Nifty Smallcap 1009,3379,221-1.00

Bazaar Ki Baat

Markets in Feb, Q3 Earnings and Should you opt for Higher Pension or EPF? And a lot more in this month’s edition of “Bazaar ki baat”. Watch here

Gyaan Ki Baat

Importance of Health Insurance – Health Insurance is an important component of financial Planning, and it can be a lifesaver in case of unexpected medical emergencies. Health Insurance plans provide individuals with financial protection and help to manage the rising cost of healthcare.

Health insurance plans provide coverage for preventive care, such as annual check-ups and screenings which can help individuals maintain their health and prevent serious medical conditions.

Some of health insurance plans have deductibles and co-payments, which are the amounts individuals pay out-of- pockets before the insurance coverage kicks in. However, these costs are generally much lower than the actual cost of medical care, which can be expensive without insurance.

Here’s the list of curated readings for you this week:

Personal Finance

  • PMS vs MF –  We have a SPIVA report for mutual funds, but what about PMS? Using data from PMS Bazaar, Mint has done a similar study. In most categories, less than 50% of PMS strategies beat their corresponding mutual fund category. To that, add the unfavorable taxation(tax on booked profits). Read here.
  • The Jadugar Trade at Axis MF – The Securities and Exchange Board of India (Sebi) took time to come out with is first set of actions in the Axis Mutual Fund front running matter that saw the fund house sack two of its employees last year in May and the capital market regulator, on Tuesday, barring as many as 21 entities from the stock markets with nearly Rs 30.56 crore of unlawful gains to be impounded. Read here.
  • Saving something is better than saving nothing – Initial increases in your wealth savings rate lead to the biggest declines in the amount of time it takes to double your money. Read here.
  • Arshad Warsi Banned from Stock Market – SEBI said that promoters of Sadhna Broadcast and Arshad Warsi, along with Youtuber Manish Mishra, recommended investors to buy the company shares, inflating its price, and later dumped it, thus undertaking stock manipulation. Read here.


  • How does Paytm make money? – Just to summarise, payment services acts as a low-cost acquisition channel and the high frequency use case drives engagement, high retention rates and leads to powerful consumer stickiness. This builds Paytm’s powerful user base. Read here
  • Airtel would be a complex saviour for Paytm – Indian tycoon Sunil Mittal, founder of telecoms company Bharti Airtel, is seeking a stake in Paytm by merging his financial services unit into the fintech giant’s payments bank, Bloomberg reported. Read here
  • What’s wrong with Anil Agarwal’s Vedanta Group?– The mining giant Vedanta Group is grabbing the attention for all the wrong reasons, especially after the Adani Group fiasco has come to the fore. Read here


  • India December quarter GDP growth stronger than data suggests – The apparent slowdown in India’s GDP growth in the October-December quarter has been driven to a large extent by revisions to past data. Read here
  • Inflation vs. the economy: Recent reports defy expectations for both – Invesco MF – I don’t expect actual tightening to be dramatically higher than what was expected back in January. Ultimately, I expect inflation to moderate and the Fed to end its tightening cycle, creating an improved backdrop for risk assets. Read here

CAGR Speak

  • There has been so much talk about the option of higher pension scheme of EPFO. Should you opt-in?. Read here.


Check out CAGRwealth smallcase portfolios here.

That’s it from our side. Have a great weekend ahead!

If you have any feedback that you’d 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.

Leave a Reply

Your email address will not be published.