Why I am writing this post Last week one of my long-time readers, a retired gentleman, sent me a message. His wealth manager had pitched him a new product, and he wanted my views on it. The product was Dezerv’s Constellation Fund. It is a Category III AIF that does not buy stocks itself. Instead,…
The doubt Recently, I was looking at the Mirae Asset Nifty 500 Value 50 ETF. As a value investor, the idea of this ETF appeals to me. It holds 50 value stocks from the Nifty 500 universe. It has a low cost with no fund manager bias. But one doubt came to my mind. The…
PB Fintech is down almost 40% in one month. Many people are calling it panic selling, but I don’t think so. I think the market has finally understood something that was always true. Policybazaar’s best years of easy money may be behind it. Let me explain this in very simple words. First, understand how Policybazaar…
Why I am writing this Recently, a political party tweeted about the stock market. It said the market has been falling for a month and investors have already lost about ₹17 lakh crore. We see such headlines every time the market falls. “₹X lakh crore wiped out.” But does a fall in the index really…
Most people would do SIPs in 7 different mutual fund categories and treat all 7 the same way. They would invest the same amount in every category, no matter what’s happening in the market. That’s where we often go wrong with our mutual fund investment, I think. Here’s the rule I actually follow Every fund…
Nifty 50 has fallen about 11% from its peak. Many of my readers have been asking me the same question. “If I put a lump sum in a Nifty 50 ETF today and hold it for 15 years, what return will I get?” Most people will quickly say 12% (past performance). Some will say 15%,…
A few weeks back, one of my subscribers asked me a simple question. He wanted his money to be safe. He wanted 8% returns. And he wanted to withdraw it in two days if an emergency came up. Sounds reasonable, right? That’s what I thought too, until I actually sat down and tested it. Turns…
The government has increased the EPFO wage ceiling from ₹15,000 to ₹25,000 per month. Since this news broke, I have been getting a lot of messages from readers who are confused and a bit worried. The question is simple: Does this hike make my PF contribution go up now? And if it does, will my…
What Every First-Time Investor Should Verify If you’re moving your retirement corpus into mutual funds for the first time, especially through an online distributor platform you’ve never used before (like Groww, Zerodha Coin, ET Money, etc.), how to ensure that your invested money is safe? We also have bank-led platforms like HDFC Bank, ICICI Direct,…
The stock isn’t falling because of one specific reason. I think there are three things causing this steep fall. First, the base was already weak. Q1 FY27 net profit (PAT) fell 28% YoY to ₹136 crore. EBITDA margin slipped to 17% from 24% a year ago. Kotak has held a Sell rating for months with…
India’s GDP growth is 7.8%, but Subhash Garg says it’s really 2.6%. Here’s a step-by-step explanation of the base-year revision and the real math behind both numbers. Which one you should actually trust? I’ve explained my take on it. You can also watch this video to understand this matter.
I filtered 1,000 stocks down to 206 using just three conditions — ROCE, debt, and growth. Here’s the exact filter combination, step by step.
