Indian Equities gave 0% returns recently while Gold soared 40%. Should you switch? In this episode, Sandeep Bagla (CEO, Trust MF) reveals the $26 Trillion Global Mistake central banks made and why Inflation is the only indicator you need to watch. We also expose the "FD Lie"—why your fixed deposits might be losing value—and reveal the future AI-enabled strategy that could disrupt the market. Topics: Gold vs Equity, Debt Fund Secrets, The Small Cap Bubble.

Takeaways

• The "Inflation + 2%" Rule: Bond yields simply track Expected Inflation + 1.5-2%. Master this single variable, and you understand 80% of the debt market.

• The "Duration" Cheat Code: Beat FDs by buying Long Duration (Gilt) Funds before rates fall. It’s about capturing capital appreciation, not just locking in rates.

• The "Granular" Safety Net: Why no crash despite FII selling? The ₹28,000 Cr/month SIP flow. These are sticky ₹3,000 micro-investments that don't panic-sell like institutions do.

• The "Small Cap" Illusion: A ₹35,000 Cr giant is still labeled "Small Cap" in India! Don't be fooled—the explosive growth is often in the actual small companies that big funds are too large to buy.

• The DIY Trap: Investing is a specialized job. Don't gamble your family's future on DIY stock picks. Follow Buffett’s advice: Trust professional managers with 90% of your wealth.

• The "Gold Signal": Gold beating Equity by 40% signals inflation fear, not a broken market. Do NOT sell your stocks—simply extend your time horizon to 5 years.

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In this episode of Paisa Vaisa, host Anupam Gupta sits down with V. Srivatsa, Executive Vice President and Fund Manager at UTI AMC. He shares profound lessons from his 20-year career , discussing the psychological traps of feeling like a "hero" in a bull market and a "zero" in a bear market.

Discover the single biggest mistake retail investors make with their SIPs , why avoiding mistakes is more important than finding a multi-bagger , and the two modern buckets of value investing. He also explains the "behavioral gap," referencing a UTI mid-cap fund that grew 30x, yet 80% of the original investors missed out.

This is a masterclass on investor psychology, market cycles, and building long-term wealth.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.
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In this episode of Paisa Vaisa, Dr. Karthik drops a truth bomb about the Indian financial ecosystem: most traditional wealth managers are just product distributors (pharmacists), not true advisors (doctors).

This episode is an investigation into the $30 Million investor mindset. We explore the Wild West of the booming wealth management industry and why SEBI regulations are crucial.

• The Big Mistake: Why complexity is the biggest issue for millionaires.

• The Correction Myth: Why those predicting a correction for 5 years have been wrong (and what assets are currently overvalued).

• The Red Flag: If you don't understand it, don't invest in it (specifically targeting unlisted/unregulated platforms).

Don't let recency bias or a friend's startup pitch ruin your long-term plan. Watch, learn, and apply the principles of the Entrust Family Office process to your own savings.

• Advisor Role: Your banker is a "Pharmacist" (sells products); look for a "Doctor" (fee-based advisor) who provides a holistic financial blueprint.

• Invest Smart: 80% of long-term returns come from Strategic Asset Allocation (SAA). Focus on your canvas (SAA) first, not the paint (stock picks).

• Bucket Your Wealth: Structure your money into clear goals: Protection (for certainty), Growth (for compounding), and Philanthropy.

• Simplify: Avoid over-diversification. Complexity and excessive product overlap are major mistakes even for the Ultra HNI.

• Check Expectations: Don't let a great year create unrealistic expectations. Tune down equity return forecasts to realistic long-term averages.

• Cardinal Rule: Never invest in what you don't understand, especially high-risk, unlisted, or unregulated products.

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