Make your own pension
Capitalmind Podcast
Indian retirement planning for long has been centered on your children being successful and them supporting you in your golden years. But, times are changing, with the rise of nuclear single child households, new pension options and easier access to capital markets, retirement planning also has to change. In this conversation, Deepak and Shray discuss the various options you have to set up a retirement corpus. Be it investing in a pension scheme or managing your own investments, they provide the pros and cons as well as the steps you need to take to do so. They also suggest policies that...
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Is War Good for the Economy?
Capitalmind Podcast
In this wide-ranging chat, Shray plays devil’s advocate while Deepak unpacks why conflict often jump-starts economies, how India’s defence binge could spill over into everything from lithium mining to 10-minute groceries, and why a 70-hour work-week isn’t the villain Twitter thinks it is. Returns—not patriotism—ultimately determine whether CapEx endures, a reality visible in the economics of fracking, rare-earth extraction, and the three types of “crazy” investors who fund long-shot bets: governments, bondholders, and VCs. India’s manufacturing ambitions have long been stifled...
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Are Mutual Funds only Sahi for the Middle Class?
Capitalmind Podcast
Mutual Funds are often seen as the McDonalds of the investment world. They are ubiquitous and convenient, and yet, they are seen to lack the prestige of a fine dining experience aka Private Equity et al. In this episode, we take on the big question: Are mutual funds only for the salaried middle class, or is there a bigger story here? Deepak and Shray dive deep into the history and perception of mutual funds, from their once-exclusive status to becoming the go-to vehicle for SIPs and forced savings. But why don’t you hear family offices or the ultra-wealthy proudly boasting about their...
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No Passport Needed: Your Guide to Global Investing
Capitalmind Podcast
In this episode, Deepak and Shray unpack the ins and outs of international investing—why it matters, when it makes sense, and who it’s really for. From rupee depreciation to political and geographical risks, they explore the key reasons to diversify your portfolio beyond India’s borders. They also discuss a crucial question: At what level of capital does it become meaningful to place your money outside? The conversation weaves in perspectives from investing greats—Peter Lynch, who believed in the power of consumer insight, and Devina Mehra, whose latest book "Money Myths and Mantras"...
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Changing the World Order: Tariff Edition
Capitalmind Podcast
At this point, you’ve probably read enough about tariffs to last a lifetime. But what if we told you the real story isn’t just about import duties or Donald Trump’s next announcement; it’s about a slow unraveling of the world order we’ve all taken for granted In this episode, Deepak and Shray dig into how the US once helped shape a global economic contract — one where it bought the goods, paid in dollars, protected the rest of the world, and in return, the world kept buying US debt. It worked until it didn’t. Countries like China started playing a smarter game. They stitched...
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Exchange Traded Funda: How ETFs Work
Capitalmind Podcast
ETFs have taken over the world, or at least that’s what you’d believe if you spent any time reading financial media in the US. Passive investing! Low costs! No fund manager egos! And of course, that looming prediction: “ETFs will destroy price discovery!” But in India? Crickets. While ETFs have become mainstream in the US, with trillions of dollars flowing into passive investing strategies, India's ETF story is still unfolding. Why haven’t ETFs exploded in India despite our obsession with stocks? And more importantly, should you be investing in ETFs or mutual funds? In this episode,...
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The Unexpected Impact of investing in Mutual Funds and Pooled Vehicles
Capitalmind Podcast
Deepak and Shray discuss the unexpected quirks and consequences of investing in mutual funds and pooled vehicles in general. The discussion covers how your returns and experiences can be impacted by other investors' actions, including issues with inflows, outflows, cutoff timings, and NAV calculations. Specific cases like DHFL, Yes Bank, and Zee promoter bonds are examined to highlight how complexities in pooled vehicles can affect investment decisions. Additionally, the episode provides insights on how to navigate these challenges and the importance of understanding the nature of pooled...
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Profit Shares & Performance Fees: Are They Really Worth It?
Capitalmind Podcast
In today’s episode, we break down profit shares and performance fees, one of the most debated topics in the asset management industry. Are they a fair way to align incentives, or just another way for fund managers to charge more? We get into the nitty-gritty of who can charge performance fees in India and how it works, the meaning of terms like management fee, hurdle rate, catch-up, and high watermark, and whether performance fees actually create skin in the game for fund managers. We also discuss why losses and performance fees don’t go well together, whether investors should care about...
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Budget 2025: More Money in Your Hands
Capitalmind Podcast
Deepak and Shray analyze the implications of this budget on consumption, manufacturing, investments, and its impact on your wallet. ---- More about us: Connect with us : Deepak's Twitter: @deepakshenoy Shray’s Twitter: @shraychandra Capitalmind Twitter: @capitalmind_in
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The fight between the Dollar and the Rupee
Capitalmind Podcast
In this episode, Deepak and Shray dive deep into the dynamics of the Dollar-Rupee equation. With the rupee at 85 to the dollar, what does this mean for us as investors and consumers? Are we losing 3-4% in dollar terms every year without realizing it? And if so, does investing in global assets provide a better hedge? Join us as we break down historical trends in the exchange rate, the RBI's role as the on the same and why inflation differentials drive the long-term trajectory of currencies (or why they may not in this case). Along the way, we explore everything from dosa economics to the...
info_outlineYou've tuned in to another episode of The Capitalmind Podcast, where we tackle a question that's been on your mind: "There's a lumpsum in hand, what's your next move?"
In a world where SIPs are all the rage, we're steering the ship towards understanding how to strategically deploy a substantial lumpsum amount.
Deepak & Shray walk you through these aspects of managing, deploying and even spending that lumpsum gain. They discuss:
- Deciphering tax implications: The financial realm is fraught with complexities, especially when it comes to taxes. We delve into the intricacies, figuring out how you can harness the power of tax efficiency to maximise returns.
- Debt management strategies: From housing loans to high-interest obligations, every debt carries a unique weight. We share insights that empower you to navigate this terrain with finesse and help you to make informed choices
- Securing education and retirement: As the custodian of your financial future, you'll need strategies to earmark funds for your children's education and seamlessly transition into a well-funded retirement. Planning is key, and Deepak has you covered.
- The art of consumption and experience: Beyond investments, the episode delves into the delicate balance between material consumption and meaningful experiences. The discussion prompts you to curate a life that blends financial prudence with personal fulfilment.
Lastly, for those who've experienced an ESOP exit or find themselves grappling with a lump sum, our website capitalmindwealth.com offers tailored services designed to cater to portfolios exceeding 50 lakhs. For feedback and podcast ideas, write to us at [email protected].
References
00:00 Introduction
01:30 ESOPs taxation and Whats the right way to allocate large lumpsum amount?
18:43 Which option is more preferable: Paying off housing loans sooner or investing in the market.
29:50 How to plan for your kids education?
34:57 Whats the simple rule of thumb for retirement planning?
40:21 If you have a large sum to invest should invest it via SIP or Lumpsum?
49:45 Don't fall for the products that assures you low risk and high returns.
59:36 Say no to angel investing
01:04:04 Consumption - all the things you wanted to do, make that list and do these
01:12:24 Types of windfalls: End year bonus vs exit from some ESOPs or synthetic ESOPs
01:20:43 Charity and Philanthropy
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