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 […]
The debate between Term Insurance and Endowment Plans is finally over!

The debate between Term Insurance and Endowment Plans is finally over!


August 21, 2018
Yesterday, I was scrolling through Facebook and chanced upon this really funny ad starring Akshay Kumar and Sumeet Vyas. While the deceased Sumeet pleads the new age Yamraaj (aka Akshay) to give him another life in lieu of “behen ki shaadi, beti ki padhai, ghar ka kharcha, gaadi ki EMI”, he is asked a very […]
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. […]
How compound interest can make you wealthy!

How compound interest can make you wealthy!


August 1, 2018
You must have heard the phrase, “…with a cherry on top!” That would be what compound interest does for your money, and more. A relatively easy topic that we all covered in our tenth-grade mathematics. However, few of us managed to unravel the wonders that lie within its very basic formula. Compound Interest is earning […]
Everything about tax saving mutual funds

Everything about tax saving mutual funds


July 31, 2018
Tax Saving Mutual Funds or ELSS (Equity Linked Savings Scheme) funds are a type of mutual funds which give you tax benefits under section 80C and also enable growth in your investment. Like all other equity mutual funds, they too invest in the equity market. So what makes them unique and desirable? Potential of generating […]
Who will be paying for your old age?

Who will be paying for your old age?


June 14, 2018
Shrivastava uncle is 72 and his wife, Manjula aunty is 68. They are my next door neighbours. Extremely sweet and affectionate, they love to talk. They have three kids – all married and employed. Uncle himself was a tax consultant till a few years back. As he grew older, his ability to work 8 hours […]

How are the rich millennials planning for misery?


June 6, 2018
Last month I met a friend who was visiting Delhi for a mid – month break. Molly (name changed) was into sales of carbonated drinks and work brought her to Delhi on a Friday. So she stayed back and decided to spend some time off with her cousins and friends. We went to this cosy […]