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    CAGR looks impressive on paper.
    But it can also hide the real story.

    Two mutual funds can show the same CAGR over 5 or 10 years —
    yet the investor experience can feel completely different.

    That’s where rolling returns matter.

    Rolling returns show you:
    • how consistent a fund really is
    • how it behaves across market cycles
    • whether returns depend on one lucky period or steady performance

    If CAGR is the headline,
    rolling returns are the fine print you must read.

    Before selecting a mutual fund, don’t just ask
    “how much did it return?”
    Ask
    “how often did it deliver?”

    💡 Smart investing is less about chasing highs and more about understanding consistency.

    👉 Save this for your next fund review
    💬 Comment if you want a simple way to analyse rolling returns yourself

    Check the full video on YOUTUBE https://www.youtube.com/watch?v=1P0-BW7J_mo&t=1s

    @invescoindia @moneycontrolcom

    #MutualFundsIndia
    #InvestingBasics
    #InvestorEducation
    #SmartInvesting
    #personalfinanceindia

    6 0
    Open post by moneypuzzle.in with ID 17906247138357067
    CAGR looks impressive on paper.
But it can also hide the real story.

Two mutual funds can show the same CAGR over 5 or 10 years —
yet the investor experience can feel completely different.

That’s where rolling returns matter.

Rolling returns show you:
• how consistent a fund really is
• how it behaves across market cycles
• whether returns depend on one lucky period or steady performance

If CAGR is the headline,
rolling returns are the fine print you must read.

Before selecting a mutual fund, don’t just ask
“how much did it return?”
Ask
“how often did it deliver?”

💡 Smart investing is less about chasing highs and more about understanding consistency.

👉 Save this for your next fund review
💬 Comment if you want a simple way to analyse rolling returns yourself

Check the full video on YOUTUBE https://www.youtube.com/watch?v=1P0-BW7J_mo&t=1s

@invescoindia @moneycontrolcom 

#MutualFundsIndia
#InvestingBasics
#InvestorEducation
#SmartInvesting
#personalfinanceindia

    A lot has changed on India’s economic and trade front in just one week 🇮🇳📊

    Markets reacted to sentiment rather than news, but they reacted super fast!

    Asset prices turned turtle, practically overnight !!

    But personal finances?
    They don’t update in real time.

    Your income, EMIs, business cash flows, and long-term goals take time to reflect macro changes.

    That’s exactly why asset allocation matters more than market predictions.
    When asset price trends turn, allocation—not reaction—does the heavy lifting.

    👉 Save this for the next volatile market phase
    👉 Share with someone panicking over headlines
    👉 DM me if you need help with your money behaviour
    👉 Comment “ALLOCATE” if you want a simple framework to review your portfolio

    #AssetAllocation #IndianEconomy #PersonalFinanceIndia #FinancialPlanning #MarketVolatility

    11 0
    Open post by moneypuzzle.in with ID 18079449764594598
    A lot has changed on India’s economic and trade front in just one week 🇮🇳📊

Markets reacted to sentiment rather than news, but they reacted super fast! 

Asset prices turned turtle, practically overnight !!

But personal finances?
They don’t update in real time.

Your income, EMIs, business cash flows, and long-term goals take time to reflect macro changes.

That’s exactly why asset allocation matters more than market predictions.
When asset price trends turn, allocation—not reaction—does the heavy lifting.

👉 Save this for the next volatile market phase
👉 Share with someone panicking over headlines
👉 DM me if you need help with your money behaviour
👉 Comment “ALLOCATE” if you want a simple framework to review your portfolio

#AssetAllocation #IndianEconomy #PersonalFinanceIndia #FinancialPlanning #MarketVolatility

    Markets test patience.
    Psychology decides outcomes.

    Your biggest enemy in equity investing isn’t the market.
    It’s your mind 🧠

    In this video, I break down 6 behavioural biases equity investors must avoid to protect long-term returns.

    - Herd Mentality
    - Recency Boas
    - Loss Aversion
    - Confirmation Bias
    - Sunk Cost Fallacy
    - Overconfidence Bias

    Most equity investors don’t lose money because of poor security selection —
    they lose it because of bad behaviour.

    Knowledge compounds just like money.

    👉 Follow me for investor education that actually matters

    Watch the original video here

    https://youtu.be/qiO0Tu1wmN8?si=C8QCJwpRQHO_ljqO
    #money #wealth #personalfinance #behaviour #bias

    7 0
    Open post by moneypuzzle.in with ID 18069999449399253
    Markets test patience.
Psychology decides outcomes.

Your biggest enemy in equity investing isn’t the market.
It’s your mind 🧠

In this video, I break down 6 behavioural biases equity investors must avoid to protect long-term returns.

- Herd Mentality
- Recency Boas
- Loss Aversion
- Confirmation Bias
- Sunk Cost Fallacy
- Overconfidence Bias

Most equity investors don’t lose money because of poor security selection —
they lose it because of bad behaviour.

Knowledge compounds just like money.

👉 Follow me for investor education that actually matters

Watch the original video here 

https://youtu.be/qiO0Tu1wmN8?si=C8QCJwpRQHO_ljqO
#money #wealth #personalfinance #behaviour #bias

    Calling out to the good folks of Hyderabad!!
    Personal finance stories that go beyond the numbers…

    First Litfest outing for Money & her … thrilled that this conversation is going wide!!

    Kudos to 1 Finance for spreading awareness around these critical personal finances issues

    - Qualified advice
    - Emotions and Money
    - Retirement

    They touch all our lives - now we just need to talk and keep taking these conversations forward.

    Get clear and confident about your money! Own your choices!

    @1financehq

    #Hyderabadliteraryfest #HLF2026 #money #Hyderabadbooklovers #personalfinance

    5 1
    Open post by moneypuzzle.in with ID 18322830331216271
    Calling out to the good folks of Hyderabad!! 
Personal finance stories that go beyond the numbers…

First Litfest outing for Money & her … thrilled that this conversation is going wide!!

Kudos to 1 Finance for spreading awareness around these critical personal finances issues 

- Qualified advice 
- Emotions and Money
- Retirement 

They touch all our lives - now we just need to talk and keep taking these conversations forward.

Get clear and confident about your money! Own your choices!

@1financehq 

#Hyderabadliteraryfest #HLF2026 #money #Hyderabadbooklovers #personalfinance

    Market correction ≠ market failure 📉➡️📈
    Equity markets move in cycles. Ups and downs are part of the journey.

    When corrections happen, panic doesn’t help—patience does.

    Market correction ≠ market failure 📉➡️📈

    Equity markets move in cycles. Ups and downs are part of the journey.

    When corrections happen, panic doesn’t help—patience does.

    ✅Don’t obsessively check your portfolio ✅Remember: equity values fluctuate in the short term
    ✅Markets have always bounced back over time
    ✅Stay disciplined with your regular investments
    ✅Diversify to manage risk better

    Long-term wealth is built by staying invested, not by reacting emotionally.

    Stay calm. Stay consistent. Stay diversified.

    #MarketCorrection #EquityInvesting #StayInvested #LongTermInvesting #WealthCreation

    8 0
    Open post by moneypuzzle.in with ID 18097414516933280
    Market correction ≠ market failure 📉➡️📈
Equity markets move in cycles. Ups and downs are part of the journey.

When corrections happen, panic doesn’t help—patience does.

Market correction ≠ market failure 📉➡️📈

Equity markets move in cycles. Ups and downs are part of the journey.

When corrections happen, panic doesn’t help—patience does.

✅Don’t obsessively check your portfolio ✅Remember: equity values fluctuate in the short term
✅Markets have always bounced back over time
✅Stay disciplined with your regular investments
✅Diversify to manage risk better

Long-term wealth is built by staying invested, not by reacting emotionally.

Stay calm. Stay consistent. Stay diversified.

#MarketCorrection #EquityInvesting #StayInvested #LongTermInvesting #WealthCreation

    Markets will always make noise 📢

    Your goals shouldn’t.

    As we step into 2026, it’s a good time to pause, tune out the daily headlines, and check in with what actually matters — your goals and your risk tolerance.

    Portfolio rebalancing isn’t about predicting markets.
    It’s about staying aligned with your time horizon, cash-flow needs, and comfort with volatility.

    If your life has changed, your portfolio probably should too.

    And if nothing has changed, reacting to noise may do more harm than good.

    Stay focused. Stay disciplined. Rebalance with intent.

    DM if you need help with your money in 2026. Don’t be afraid to take control.

    #InvestingWisdom #MarketNoise #PortfolioRebalancing #RiskTolerance #FinancialGoals

    10 1
    Open post by moneypuzzle.in with ID 17871331011510726
    Markets will always make noise 📢

Your goals shouldn’t.

As we step into 2026, it’s a good time to pause, tune out the daily headlines, and check in with what actually matters — your goals and your risk tolerance.

Portfolio rebalancing isn’t about predicting markets.
It’s about staying aligned with your time horizon, cash-flow needs, and comfort with volatility.

If your life has changed, your portfolio probably should too.

And if nothing has changed, reacting to noise may do more harm than good.

Stay focused. Stay disciplined. Rebalance with intent.

DM if you need help with your money in 2026. Don’t be afraid to take control.

#InvestingWisdom #MarketNoise #PortfolioRebalancing #RiskTolerance #FinancialGoals

    Doing a SIP already? Great.
    
Now here’s how to make it even better 👇

    As your income grows, your investments should grow too.
That’s where SIP Top-Ups come in — a simple way to increase your SIP amount periodically without feeling the pinch.

    No timing the market.
    
No drastic changes.
    
Just small, planned increases that can make a big difference over the long term thanks to compounding.

    Start small. Stay consistent. Upgrade your SIP as you grow. 📈

    Link in bio - head to YouTube

    https://youtu.be/-EA1iMN-uXU?si=gnelNmzm3zZv42j3

    @moneycontrolcom
    
#InvestorEducation #SIP #SIPTopUp #MutualFundsIndia #WealthBuilding

    6 0
    Open post by moneypuzzle.in with ID 18073965587523525
    Doing a SIP already? Great.

Now here’s how to make it even better 👇

As your income grows, your investments should grow too.
That’s where SIP Top-Ups come in — a simple way to increase your SIP amount periodically without feeling the pinch.

No timing the market.

No drastic changes.

Just small, planned increases that can make a big difference over the long term thanks to compounding.

Start small. Stay consistent. Upgrade your SIP as you grow. 📈

Link in bio - head to YouTube

https://youtu.be/-EA1iMN-uXU?si=gnelNmzm3zZv42j3

@moneycontrolcom 

#InvestorEducation #SIP #SIPTopUp #MutualFundsIndia #WealthBuilding

    Are some of us naturally gifted when it comes to managing personal finances or can it be taught to perfection?

    When it comes to the human side of investing, one debate that comes up every few years is - nature vs nurture.

    My thoughts expressed in the Parenting & Money column 👆👆

    @iciciprumf

    #money, #investing, #saving, #mfsahihai, #personalfinance

    7 0
    Open post by moneypuzzle.in with ID 17845416948642278
    Are some of us naturally gifted when it comes to managing personal finances or can it be taught to perfection?

When it comes to the human side of investing, one debate that comes up every few years is - nature vs nurture.

My thoughts expressed in the Parenting & Money column 👆👆

@iciciprumf 

#money, #investing, #saving, #mfsahihai, #personalfinance

    📉 Rupee weakening ≠ only bad news! 🇮🇳💡

    While the INR has been sliding against the USD, this trend brings smart opportunities for investors — especially in gold & global equities. 🔥

    ✨ Why it matters:
    • A weaker rupee pushes gold prices higher in ₹ terms, making it a stronger hedge against inflation and currency risk.
    📈💰

    • Overseas investments can boost your returns — when you convert back to INR, gains from US/global equities get an extra lift if the dollar stays strong. 🌍📊

    💼 Smart investing isn’t just about returns — it’s about strategy.

    Diversifying into gold & global stocks/ETFs can be a win-win combo in times of INR volatility. 🔄✨

    📌 Save this post for your investing game plan & tag a friend who needs to see this!

    👇
    #INR #Rupee #Gold #Investing #GlobalMarkets #Equities #WealthBuilding #FinanceTips #SmartInvesting #IndianInvestors #Diversify #InvestmentStrategy

    32 0
    Open post by moneypuzzle.in with ID 18052025240421598
    📉 Rupee weakening ≠ only bad news! 🇮🇳💡

While the INR has been sliding against the USD, this trend brings smart opportunities for investors — especially in gold & global equities. 🔥

✨ Why it matters:
• A weaker rupee pushes gold prices higher in ₹ terms, making it a stronger hedge against inflation and currency risk.
 📈💰 

• Overseas investments can boost your returns — when you convert back to INR, gains from US/global equities get an extra lift if the dollar stays strong. 🌍📊 

💼 Smart investing isn’t just about returns — it’s about strategy.

Diversifying into gold & global stocks/ETFs can be a win-win combo in times of INR volatility. 🔄✨

📌 Save this post for your investing game plan & tag a friend who needs to see this! 

👇
#INR #Rupee #Gold #Investing #GlobalMarkets #Equities #WealthBuilding #FinanceTips #SmartInvesting #IndianInvestors #Diversify #InvestmentStrategy
    Follow on Instagram
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    "Incentives are the silent architects of our financial destiny, shaping every choice we make with whispers of opportunity or consequence." (Warren Buffett)

    Short term hardship for the long term commitment.

    thumbnail
    by Money Puzzle   ·  August 9, 2019   ·  
    no comment

    As an equity investor you might be aware that markets have been spiralling lower on a daily basis. If you don’t know the exact numbers, let me put it in perspective...

    0 shares

    Lovaii Navlakhi—”YOUR Behaviour Matters Most”

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    by Money Puzzle   ·  August 9, 2019   ·  
    no comment

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    0 shares

    How much will your child benefit from that insurance linked plan?

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    no comment

    Have a new born? Excited about what life has in store for your family, the fun times, the milestones and the first smile. Once the baby years are through, formal education starts and that’s when budgeting takes on an entirely fresh...

    0 shares

    Vishal Dhawan, Founder and CEO, Plan Ahead Wealth Advisors, on utility of debt funds

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    no comment

    There has been too much noise around debt funds over the last 9-12 months and not without reason. However, while a handful of schemes were impacted by the bond defaults in corporate India, not all schemes suffered. On the whole...

    0 shares

    ETFs: Mirror portfolios that are fast becoming a must

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    by Money Puzzle   ·  July 26, 2019   ·  
    no comment

    There is a type of equity mutual fund you can invest in which charges you just 0.05% (annual) or 5 paise per ₹100 of investment. What you get is a portfolio of good quality, large cap stocks which can be...

    0 shares

    The finance of Marriage

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    by Money Puzzle   ·  July 22, 2019   ·  
    no comment

    There is merit in looking at the financials of how your marriage can pan out. Think about this: both of you have been independent financially and in the work force for the last five years...

    3 shares

    Stand tall; become your own Plan A

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    by Money Puzzle   ·  July 19, 2019   ·  
    no comment

    It’s not a coincidence that every other adult conversation now revolves around how the next generation is growing up with an entitled sense of privilege. A friend shared how...

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    Why should you ‘Save now and spend later’ as against ‘buy everything on EMI’?

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    by Money Puzzle   ·  July 12, 2019   ·  
    no comment

    Listen in to my discussion with Rahul Sethi on the need to save now vs buying everything on EMI in the first podcast from this two part series on Edelweiss FinTalk

    0 shares
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    About Lisa

    Money Puzzle

    A BCom graduate from the University of Notre Dame in Perth, Australia and a finance post-graduate from ICFAI, her professional experience spans 18+ years across financial services including wealth management, asset management and finally as a personal finance writer for the last decade.

    Combining her two passions, writing and personal finance came naturally and now she feels the need to share her ability to see through financial solutions with those who need it the most. The content on MoneyPuzzle.in, is directed towards young earners or any curious mind, who want to understand the ‘why’ of their daily financial decisions.

    As a financial coach, Lisa endeavours to empower individuals in their 30s and 40s, in transforming their money relationships.

    Lisa also writes extensively for digital media and personal finance outfits, has moderated finance-related panels and has been invited as a speaker not just for financial subjects but also as a writer.

    Enriching one’s financial life by giving candid insights is what she strives for through her various undertakings in the field of personal finance.

    The Three Whys

    Why Invest?

    March 28, 2019

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    March 27, 2019

    Why Save?

    March 27, 2019

    Expert Bytes

    Diamonds in the Dust – ...

    November 30, 2021

    She owned her mistakes and ...

    August 14, 2021

    Money Puzzle

    There is no dearth of information on financial products. Various broking sites, aggregators and media websites and loud and clear when it comes to telling us what is out there and how to go about buying something. What we are left wanting for is an understanding of why we need a particular financial solution or security. This is where moneypuzzle.in steps in, to resolve your money jigsaw.

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