Capitalmind with Deepak & Shray
Capitalmind is a podcast about investing in Indian financial markets. It covers stocks, bonds, funds, and macroeconomic trends. The hosts aim to simplify investing concepts for their listeners. The show also directs listeners to capitalmind.in and capitalmindwealth.com for more resources and investment services.
Episodes
Peak Pessimism in India: What Does The Data Say?
Is India really becoming uninvestable, or are investors missing the bigger picture? In this episode of the Capitalmind Podcast, Shray Chandra, Co-founder at Capitalmind Financial Services, speaks with Deepak Shenoy, Founder and CEO, Capitalmind Mutual Fund, about the current pessimism around Indian markets and whether we may be approaching a point of peak pessimism. The discussion covers: • Why
AI Can Optimize Your Investments. But Is That Your Biggest Financial Risk?
What's the deal with AI? Can it manage your money? Can it make you rich? Artificial Intelligence is changing much more than how we invest. It could fundamentally reshape careers, incomes, financial advice and the way we build wealth. In this episode of the Capitalmind Podcast, Shray Chandra, Co-founder at Capitalmind Financial Services, speaks with Deepak Shenoy, Founder & CEO of Capitalmind Mut
Why Picking the "Best" Mutual Fund Is the Wrong Goal
Most investors obsess over finding the best mutual fund to invest in. But what if avoiding the worst fund matters far more than picking the absolute best? In this episode, host Shrey Chandra sits down with Deepak Shenoy (Founder & CEO, Capitalmind Mutual Fund) and Anoop Vijaykumar (Head of Equity & Fund Manager, Capitalmind Mutual Fund) to tackle one of the most searched questions in personal fin
NRI Investing in India: What Nobody Tells You
Shray sits down with Deepak Shenoy from Capitalmind to unpack the real playbook for NRIs thinking about investing in India — the taxes, the paperwork, the returns, and the traps nobody warns you about. What we uncover: The 3 types of NRIs who should invest in India — and the ones who absolutely shouldn't. Why patriotism and FOMO are the worst investment strategies. The real return math: 12% in r
Low Inflation. Weak Rupee. Falling Stocks. What's REALLY Going On?
India is reporting 8%+ GDP growth and cooling inflation, yet stock market returns are muted, the rupee continues to weaken, and everyday expenses feel anything but stable. So which reality should we trust? In this episode, Deepak and Shray unpack the contradictions shaping India's economy today. From headline vs core inflation to GDP data quality, rupee depreciation, and why markets aren't rewar
Who Is Really Controlling Your Money? (Not Who You Think)
Shray sits down with Deepak Shenoy from Capitalmind to expose how proxy advisors, index manufacturers, credit rating agencies, and one costly habit are secretly making decisions about your investments. What we uncover: Proxy Advisors: How Glass Lewis and ISS voted against Elon Musk's $1 trillion Tesla package—and why their word has become gospel for fund managers managing your money Index Manufact
Will the U.S. Market Crash in 2026?
For 17 years, Deepak Shenoy has made annual Diwali predictions about markets, crashes, interest rates, and more. But how many were actually right? Shray sits down with Deepak Shenoy from Capitalmind to examine his prediction history from 2007 to 2024. He correctly called the 2008 crash and Trump's 2024 victory. But real estate and gold? Wrong almost every year. We break down why most predictions
Gold, Silver, Equities: Which One Deserves a Place in Your Portfolio?
When Indian Equity Markets Go Sideways: Are Alternative Assets Worth It? Indian equities have been flat for over a year. So where should you actually put your money? Shray sits down with Deepak Shenoy from Capital Mind to break it all down. Silver just hit $50 for the first time in 45 years. Deepak explains the Hunt Brothers saga, the Thailand import drama, and why silver might only deserve 2% o
Gold, Silver, Equities: Which One Deserves a Place in Your Portfolio?
When Indian Equity Markets Go Sideways: Are Alternative Assets Worth It? Indian equities have been flat for over a year. So where should you actually put your money? Shray sits down with Deepak Shenoy from Capital Mind to break it all down. Silver just hit $50 for the first time in 45 years. Deepak explains the Hunt Brothers saga, the Thailand import drama, and why silver might only deserve 2% o
From H1B to Dream11 - When risks hit you hard
What do DreamFolks, Dream11, JSW Steel, and Donald Trump's H-1B visa policy all have in common? Each shows how unexpected risks can reshape markets and investments overnight. Deepak Shenoy and Shray Chandra break down 5 types of risk you never saw coming from business model collapse and legal shocks to regulation, policy changes, and passive investing illusions. Chapters: 00:00 - Intro 01:53 - D
ESOPs Demystified: Taxes, Dilution & the Path to Wealth in India!
ESOPs (Employee Stock Options) are one of the least understood parts of compensation in India. Are they wealth creators or just glorified lottery tickets? We break down everything you need to know, the trade-off between salary and ESOPs, the risks of taxation and dilution, and how exits, IPOs, and secondary markets really work. From early employee bets to Flipkart's game-changing Walmart deal, we
Wealth as a Tool, Joy as the Goal
What if money wasn't the goal… but the tool? Deepak Shenoy and Shray Chandra dive deep into how money can enable experiences, freedom, and meaning, instead of becoming an end in itself. 00:00 Intro 02:33 GDP, Good Life, and Getting Real About Returns 15:14 The Real Cost of Wealth (and the Price of a Good Life) 31:20 Planning for Joy, Not Just Returns 43:34 Compartmentalize to Live Ful
The Saga of the Jane Street Trading Scandal
In this episode, Deepak and Shray unpack the SEBI allegations against global trading giant Jane Street and explore whether this is a case of shrewd arbitrage or market manipulation in India's underregulated options landscape. In doing so, they reveal deeper structural issues. An outsized derivatives market, regulatory blind spots, tax inequities, and unchecked index power that favour global giants
Make your own pension
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 reti
Is War Good for the Economy?
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 frac
Are Mutual Funds only Sahi for the Middle Class?
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 mu
No Passport Needed: Your Guide to Global Investing
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 ou
Changing the World Order: Tariff Edition
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
Exchange Traded Funda: How ETFs Work
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'
The Unexpected Impact of investing in Mutual Funds and Pooled Vehicles
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 complex
Profit Shares & Performance Fees: Are They Really Worth It?
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 water
Budget 2025: More Money in Your Hands
Deepak and Shray analyze the implications of this budget on consumption, manufacturing, investments, and its impact on your wallet. ---- More about us: https://cm.social/pms Connect with us : https://cm.social/pms-connect Deepak's Twitter: @deepakshenoy Shray's Twitter: @shraychandra Capitalmind Twitter: @capitalmind_in
The fight between the Dollar and the Rupee
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
Are Foreign Investors (FIIs) Less Important Now?
Ever wondered if the Indian stock market still needs Foreign Institutional Investors (FIIs) now that domestic investors are stepping up? Shray and Deepak chew over this hot topic in our latest episode. They examine questions like whether foreign investors are responsible for recent market declines, who the primary owners of Indian companies are, and why foreign ownership is decreasing. They discus
The F&O Game is fair even if 93% of people lose money
In this episode of the Capitalmind podcast, Deepak and Shray dive into SEBI's recent report analyzing the profits and losses of F&O traders. The report reveals a staggering statistic, showing that over 90% of individual traders have lost money in F&O trading in the past few years. They explore the reasons behind these losses, the demographic impacts, and whether F&O trading is more akin to gamblin
A Structured Approach to Cash Calls: Deepak Shenoy's Framework
In this episode, recorded in early October 2024, we're diving into a topic that's on everyone's mind: Is holding cash a smart move in these unpredictable markets? We're in what some are calling one of the most "unloved" bull markets—stocks keep rising, but investors (ourselves included) are uneasy, waiting for the other shoe to drop. To help us unpack whether cash can actually give your portfolio
Mutual Funds, PMS, or AIF: Choosing the Right Investment Vehicle for Your Needs
In this episode, Deepak and Shray dive into the intricacies of mutual funds, Portfolio Management Services (PMS), and Alternative Investment Funds (AIF). We analyze the tax benefits of mutual funds, highlight the liquidity advantages, and compare them with PMS and AIF in terms of fees, transparency, and investment flexibility. We also discusses why different products cater to different investors
Investing in Unlisted Companies: What's the deal?
In this episode of the Capitalmind Podcast, we take a deep dive into the world of unlisted and private securities. We'll cover key topics such as: What exactly are unlisted and private securities? How do you value them, and what complexities should you watch for, like liquidation preferences and ratchets? Who can you sell these securities to, and what about corporate governance risks? Are these
Why so many new Mutual Fund NFOs?
In this episode of the Capitalmind Podcast, Deepak and Shray dissect the surge in New Fund Offerings (NFOs) by mutual funds, dissecting why fund houses are launching new schemes and who truly benefits from them—whether it's the AMC, the customer, or intermediaries like distributors. We also discuss the economics of fund distribution, the role of intermediaries, and how to identify the best opt
What is front running, really?
Picture this: You're at your favourite bakery, and you overhear that a celebrity is about to place a massive order for your favourite pastries. You rush to buy them all up before the celeb can, hoping to sell them back at a premium. That, in essence, is front running in the financial world. We discuss how people pull off this trick and, more importantly, how they get caught. (Spoiler alert: it's
The Hulla Over Inheritance Tax
Recently, the mere hint of an inheritance tax proposal sparked a mini-political crisis? Thanks to a quick government rebuttal, it's off the table—at least for now. But that's not where the story ends. As always, Deepak and Shray go head-to-head, weighing the merits and pitfalls of this hot-button issue. We're not just looking at the problem from 30,000 feet; we're getting into the weeds, examinin
Momentum Investing in India with Anoop Vijaykumar
In this comprehensive discussion, Fund Manager and Head of Research Anoop Vijaykumar and Shray Chandra distil the key lessons from over five years of managing the Capitalmind Adaptive Momentum portfolio. Get a concise overview of the principles of momentum investing driving the portfolio's success. Learn from our real-world lessons on why momentum investing works for long-term wealth creation 00
All is forgiven in the financial markets
Have you ever wondered why finance seems to have a forgiving nature? From the sins of the past being easily forgotten to the belief in second chances, we'll explore the nuances of forgiveness in the financial realm. We'll dissect the tactics some "for education purposes only" players use to enrich themselves at the expense of their students. It's a sobering reminder to always question the motives
Super-money: Why everyone wants to be everything in Finance
The idea that finance companies want to do everything from payments to lending to broking to investments is strange - why not just be good at one thing? It's a simple explanation, it turns out. Find out more about the business of money in a language you can easily understand, through the words of Deepak Shenoy and Shray Chandra. Capitalmind manages Rs. 1700+ cr. as a SEBI-registered PMS, and h
Why do financial markets have circuit limits?
Ever wondered why circuits are in place? It all started on Black Monday in 1987, where a 25% market correction prompted the introduction of market-wide circuit breakers in the US. These limits aimed to ensure market maker solvency and prevent panic-induced trading. Fast forward to 2001, and India also introduced circuits to handle intraday market volatility. From the Nifty's inception to the impo
RBI hits NBFCs hard with two new regulations
In today's episode, we delve deep into the recent actions taken by the Reserve Bank of India (RBI) towards the end of 2023 and the ensuing ripple effects they've set off. The RBI, often the silent architect of our financial landscape, has made strategic manoeuvres that reshape the terrain for banks, non-banking financial companies (NBFCs), and borrowers. Discover how these regulatory shifts could
A Deeper Look into Asset Management in India
Join us on Capitalmind Podcast, where we demystify the world of finance without the jargon. In today's episode, talk about the asset management industry in India and what's in store for the future. Now get this - Mutual Funds own only 8% of Indian companies, while retail investors own 9%. Let's rewind. In 2005, despite impressive returns, MFs didn't gain much attention due to high fees and the lac
How money gets created in India
Ever wondered about the whole money thing – how it's made, where it comes from? Well, in this podcast episode, we're breaking it all down, and without using any jargons. We also promise that this podcast will not remind you about an economics class. Because, it's not a lecture on economic theories. Nope. It's more like your friend explaining things in a way that just clicks. You'll walk away with
Going gaga over options in India
If you are even a little active on social media, especially Twitter, you would have witnessed the exponential increase in tweets related to options trading. Today, we are are going to talk about that - Indian's going gaga over options trading. Deepak & Shray, take a detailed look at this fascinating phenomenon and tell you all that you need to know - except telling you about an options strategy
Should you invest in a PMS?
Welcome back to the Capitalmind Podcast – a place where we dissect the nuances of finance and investing, in a world that never stops changing. Your hosts, Deepak & Shray, are here to de-clutter yet another topic in their lucid and candid style. In today's episode, we're zooming in on Portfolio Management Services (PMSes), a vehicle for your long-term wealth management. Here's a glimpse of what's o
How to invest a lumpsum amount?
You'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 t
Stock market returns are lumpy. Get used to it!
Our latest podcast episode is here, and it's all about exploring the different ways investors make money in the market. From thrilling arbitrage strategies to the art of short-term trading, we'll cover it all in a language that even your neighbour's fish could understand (well, almost!). But that's not all—our experts will take you on a journey through long-term fundamental investing and quantitat
What Lies Behind Mutual Fund Expense Ratios: SEBI's Call for Transparency in TERs
Welcome back to another episode of our podcast, where we dive deep into the world of finance and investment. In today's episode, we will be exploring the fascinating realm of mutual fund costs and SEBI's recent proposals to bring them down. As the saying goes, "The devil is in the details," and when it comes to investing, understanding the various expenses involved is crucial for making informed d
How arbitrage funds might have systemic risk on a tax-rule change
"If it looks like a duck, swims like a duck, and quacks like a duck, then it probably is a duck", goes the saying. Arbitrage mutual funds are actually taxed as equity funds but they actually behave as debt funds. And this tax arbitrage of arbitrage funds is what the regulators may be looking to fix. In light of this, we have our latest episode of the Capitalmind Podcast, where we dive into the int
[Podcast] Here's why taxes impact your investing decisions
"Taxation is the price we pay for civilisation," as the saying goes. But what happens when the price tag keeps going up? You may have thought you understood the friendly taxation system, until a new rule comes up that leaves you feeling like you've been sucker-punched. That's what recently happened when the government took away the tax efficiency of debt mutual funds and increased taxation. Sudden
How does short selling work?
"A market without bears would be like a nation without a free press. There would be no one to criticize and restrain the false optimism that always leads to disaster" - Bernard Baruch Short selling is mostly misunderstood and often demonized. Quite understandable, it's difficult to put your head around a concept that involves selling something that you don't already own. But, it's not as sinister
What led to the crisis at Silicon Valley Bank (SVB)?
Things escalate and hit the fan very quickly in banking. It's fascinating to see how banks go belly-up for the same fundamental reasons but in an entirely unique way each time. It's like being served the same romantic comedy story again and again with different actors, locations, and songs. But, these banking crisis stories are not as enjoyable and they hurt real people financially and emotionally
The problem with "adjusted" financial accounts
Anyone who thinks financial accounting is boring hasn't seen the creativity in some of the financial statements. Not just in India but across the world. In this podcast, Deepak and Shray discuss the shenanigans of financial accounting while referencing various case studies from the business world. This discussion is important because "new age" businesses in India have started reporting "adjusted"
SEBI takes a big chunk of income away from stock brokers
Stockbroking is a unique business enabling millions of people to trade billions of dollars of stocks with unknown counterparties. All trades, in this highly regulated ecosystem, are executed seamlessly, settled correctly, and recorded meticulously. It's fascinating to see how far India has come in making this ecosystem world-class and in some cases, the best in the world. In this podcast, Deepak
Where to invest in 2023?
Forecasting is a very difficult business, like selecting lottery tickets. No one could have predicted 2022 as a year in which there was geopolitical war, worldwide inflation, a massive hike in interest rates worldwide, and the US S&P 500 down about 20%, and yet, the Indian markets ended up 4%. If anyone got this spot on, they could still be terribly wrong for 2023. That's why we don't predict, we
Imagining MERA: My Empowered Retirement Account
In this conversation with Shray, Deepak shares why he feels now is the time for India's concept of a Retirement Account - he calls it the MERA account. This account should help improve investment opportunities for retail customers, create a longer-term investment horizon and push people to save for their retirements. Listen in as we discuss: The concept of a retirement account Impact on the econo
LIC's Uncommon Profit and The HDFC Twins
Of late, we have been discussing macro trends that affect the stock markets, the economy, and as an extension, the world. We have been zooming out to capture the big picture painted by investors, regulators, and the invisible hand of Mr. Market. In this episode, Deepak & Shray break from the trend and do something different. Rather than zooming out, we zoom in. We discuss two companies that are go
Podcast: Investing in a world with high interest rates
As we slowly settle into the post-pandemic era, one of the hallmarks of this period has been higher inflation than we have seen in the recent past. In response to rising inflation, central banks across the world have responded with a fierce interest rate hiking excursion. As a consequence, neither of the asset classes–stocks, or bonds, have performed well recently. It raises an essential question:
Podcast: UPI is most valuable when free
RBI released a discussion paper that said: We've let you good people live all this time with "free" payment systems, so should we allow banks to start charging now? Specifically for UPI, which has reached volumes of 10 lakh crore rupees per month? And should we charge merchants? Deepak's answer is a big NO. He firmly believes that the payments ecosystem (and the economy as a whole) will gain much
Why SEBI should implement India's EDGAR and more
Recently, as of 7th September 2022, total Demat accounts in India touched the 10 crore mark. This is a staggering increase from 4 crore Demat accounts in Mach 2020. This alone is a testimony of increased participation and inclusion of individuals in Indian markets. More and more Indians, especially youngsters, are taking to investing in equities enabled by their smartphones - digital broking, incr
Turbulent times - RBI thrives, Fed fumbles
Markets are slaves of earnings and liquidity. Liquidity has taken prominence after the coronavirus outbreak. At first, central banks across the world increased liquidity by cutting rates and helping their populace to live through the pandemic. Then the after effects of increasing liquidity hit – increased inflation. Now, the same banks are sucking out liquidity by increasing interest rates to coun
Why the crypto crash impacts you?
Crytocurrencies were all the rage in past few years on account of rising asset prices and volatility. Now, they are going through a bear market that has witnessed some popular currencies going totally bust. This pehnomemnon of an "asset class" going from hot to untouchable is not new. We've seen this again and again in different forms and proportions. The current bear market in cryptos certainly
Is it a good time to invest in gold?
In this episode, Deepak and Shray unravel different aspects related to investing in gold. Gold has been around as a store of value for a couple of millennia, probably longer, because of how little there is and how difficult it is to get out of the earth. Now get this - all the Gold mined would fit in a crate with sides of 21 meters. That's roughly the length of three and a half standard container
Masala Money: Krish Ashok X Deepak Shenoy on Food and Finance
Two engineers get together to discuss two life essentials - food and money! Our food expert is Krish Ashok. Ashok is Global Head, Digital Workplace at TCS. He is a techie, a musician and an author. He talks about the science behind food, the history of food and offers a lot of food for thought for us to explore further. If you are interested, a good starting point is his famous book - Masala Lab.
The creator economy with Amit Varma, and lessons from Deepak's book Moneywise
Today's episode is a crossover with The Seen and the Unseen podcast, hosted by Amit Varma. Amit and Deepak discuss how their careers - as creators - have evolved with the digital age. And their journey of discovering their own authentic voices. They take a first hand look at the creator economy and how it's shaping the media today. 2:32:00 onwards, they discuss key lessons in Deepak's new book,
Why you need to stop buying bankrupt companies
What happens when a company goes bankrupt? Why do investors buy their stocks that are headed to zero? In this episode, we explore how the Insolvency and Bankruptcy Code (IBC) has changed the game. Deepak explains the many nuances of current regulations and how they've evolved. We dive into examples such as Bhushan Steel, Sintex and Ruchi Soya - which we hope will give you clarity. Listen in and de
CBDC - Can RBI make a big leap into the future with digital currencies?
There is a lot to unpack about this new digital currency RBI is talking about. Deepak and Shray built up the discussion by pondering over successive questions. Deepak takes us through how cryptocurrencies currently work. This sets up the context to the current ways of handling digital currencies and we move on to discuss the RBI-backed digital currency - Central Bank Digital Currency (CBDC). Key P
What you know about inflation might be wrong
As Indians, we discuss Inflation only during elections which makes it less of transient and more of seasonal! But, as investors, we discuss inflation a little more. The latest reason for it is the hammering of growth stocks across markets which is blamed squarely on inflation. In this podcast, we understand the practical concept of Inflation with examples, its impact on your investments, its impac
The secret to HNI IPO funding that the RBI just killed
How do High Net Worth Investors invest SO much in IPOs? Nykaa's IPO saw Rs. 1,00,000 crores invested by the well heeled Indian investors. But not much of it is their own money - they borrow it. In this episode, Deepak and Shray unravel the dynamics of an IPO application for HNIs. From the rules of allocation, the big business of IPO funding, how HNIs can borrow 100X their money, systemic risks,
Lessons from 2021, the year irrationality went viral
On today's show, Shray asks Deepak about how to make sense of the past two years in the markets, macroeconomics, and the seeming irrationality of it all. They also talk about how to look at the year ahead. Highlights 2021 bad year with all the lives lost, but it happened to be good for markets with the number of IPOs at an all-time high NIFTY returned approximately 23% and has been positive for
Why SEBI doesn't want you getting advice from unregulated algos
With technology comes great responsibility, says SEBI, as it attempts to regulate the algorithmic trading markets that have just started to evolve in India. The concept of "API" trading, through Application Programming Interfaces is the standard in the web and app-based world, but SEBI doesn't want you to manage your own money programmatically. Or, worse, to give it to someone else who is "unregul
P2P lending in India. How does it work and are the risks worth it?
How does P2P lending work in India? How safe is P2P lending? Deepak and Shray explore how the industry works, the risks involved and whether the returns are enough to justify the risks. Summary Banks keep a considerable spread between the interest they offer on a deposit and the interest they charge a borrower. So, some people think, why is the spread so big? Why can't I deal with the borrower di
Term Insurance: Why and when do you need it?
Episode 41 - Deepak sits down with returning guest Ruchir Kanakia, the founder of the insurance distribution company OneAssure to discuss our favorite insurance product - term insurance. Summary: How term insurance works for you and the company that sells it to you Debt or Dependents – the two reasons to buy term insurance How Covid and the fact that a handful of reinsurers control everything has
How Smallcase helped create a new generation of investors
Episode 40 and we're speaking to the fintech firm that just raised 40 Million dollars last week - Smallcase! Deepak sits down with co-founders Vasanth and Anugrah to talk about creating a new way to invest in stocks, investment lessons from the pandemic and what's up next from the Smallcase team.
Why we run a PMS and how we do it differently
What is a Portfolio Management Service? How does it really work? Do they actually benefit their clients? In this episode, Vashistha and Deepak explore PMS' through their experience of running one at Capitalmind. They explain how the operations work, the pros and cons of different fee structures, quantitative strategies and how PMS' are different from AIFs, Mutual Funds and Smallcases.
Money, after you die
How do you plan for a smooth transfer of your wealth after you die? And how do you help someone whose loved one has passed on? In this episode, Shray and Deepak explore what you must do in an unfortunate circumstance of a loved one's death, and for an easy transition in case of your own. We also invite Harshavardhan Ganesan, a practicing lawyer, to give us the legal perspective. Listen in for re
Hidden risks to the financial system
Are the recent problems - GME, Greensill and Archegos - signs of a damaged financial system that is so terribly fragile that a slightly bigger disaster can easily crush it? Like what Covid has done to the world's health system, are there more hidden risks in our financial system that can trigger a repeat of 2008? In this episode, Deepak and Shray explore what's happened in the US over the past few
Foundations of health for the wealth-walas, with LiveAltLife
On today's show, Deepak invites Vivek Subramanyam of LiveAltLife to discuss the one thing without which wealth means very little - health. Vivek breaks down the foundations of health to help avoid or even reverse lifestyle diseases as Deepak draws paralells on human behavior from the world of investing.
How the Govt borrows and why you should lend to them directly
On today's show, Shray asks Deepak about government borrowing and debt, how the RBI can help bring down borrowing costs, the new rules that make your provident fund much less attractive and how we can now invest directly in Government bonds instead of Fixed Deposits.
Shrinking FD rates, expensive loans and where to invest instead
In this episode, Shray and Deepak discuss the evaporating returns from safe investments such as FDs, what it means for lending, and how should you invest in this new (to India) low interest-rate world.
Momentum investing, unintuitive yet effective
In this episode, Shray and Anoop discuss momentum investing and how we implement it as portfolios at Capitalmind.
Getting started with health insurance
In this episode, Deepak and Shray invite Ruchir, co-founder of OneAssure, to walk us through how to get started with health insurance.
How trend following can make buy and hold better
In this episode, Shray and Sandeep discuss how adding a trend following layer to a long-only portfolio can help enhance returns and lower drawdowns, in the context of Capitalmind Chase - our own such strategy.
The Big Hairy Audacious Reliance
In this episode Deepak takes on the Reliance Jio story. Is the stock in a bubble, is there any danger of it becoming a monopoly and why is there only one Reliance in India. Preview "Dhirubhai Ambani himself is responsible for a lot of the shareholder culture in India. Till the early 80s minority Shareholders were considered like second class citizens - there were institutions and promoters - that
Discussing credit scores, trust, valuing your time and habits of the wealthy with Kunal Shah
Deepak Shenoy of Capitalmind hosts Kunal Shah of CRED as they analyze the affluent - their spending patterns, usage of credit and habits that help them succeed. They talk about high trust groups, creating wealth and incentivizing good behavior. Preview Less than 1% will know what their income per hour is. Therefore, if you find somebody who is making Rs 5,000 per hour (and there are many ways to c
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