Finology By Pranjal Kamra
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About Finology By Pranjal Kamra
Note - Any WhatsApp or telegram group, asking for money, asking for account number etc on my or my company’s name is fake. We don’t do stock tips, we don’t do cold calling.
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*Major NSE Index Performance Today*💪 * *IT* : -4.26% * *Auto* : -3.96% * *Defence* : -2.49% * *Oil & Gas:* -2.18% * *Pharma:* -1.87% * *Realty:* -1.53% * *Bank:* -0.81% *Nifty 50:* -1.86% *Midcap:* -2.51% *Smallcap:* -3.02% 📉 Over the past 6 months, Nifty has declined by 10.8%. We've published a blog on how to pick stocks in a bear market. Read it now for free: https://tinyurl.com/ticker-bear-market
#12 Concept of the Day: Is Gold a good investment option?☝️
*Finology 30: Our latest stock pick is a bet on India's Value Migration theme!* This time, we have picked a leading company that's poised to benefit from growing income levels. As income levels increase, people uplift their lifestyle with designer clothes, luxury cars and advanced technology. _For example, spending on high-end products has surged, now making up over 9% of Indian household expenditure, compared to just 1% in 1992._ We, at Finology Research Desk, believe that this trend of value upgradation is just beginning in India. Our latest pick is expected to benefit from this theme: 🔥Dominance across its product range 🏆Excellent brand equity & recognition 💪Robust & sustained double-digit growth 📈Superior profitability vs. industry This market dip is your chance to grab this growth stock at about a 17% discount! Reveal Stock (https://bit.ly/3ZZxcfe)
#8 Concept of the Day: What is Skimpflation?
*#11 Concept of the Day*: Regular vs Direct Mutual Fund👆
#9 Concept of the Day: What is Stagflation?
_*Should You Stop Your Mid-cap & Small-cap Fund SIP?*_ Every year, between Nov and Dec, we bring you India's most trusted mutual fund recommendation series at Finology. In our Best Small-Cap Mutual Fund for 2024 video, released on 1 Dec 2023, we made a bold decision. *We did not recommend any new investments in small-cap funds.* Why? Because valuations were too high, and the risk-to-return ratio wasn't favourable. Yet, between December 2023 and November 2024, the Nifty Small cap 250 index surged ~26%. At that point, it felt like valuations were being pushed to the moon, far beyond what fundamentals could justify. Many questioned our decision, but my research team and I spent 500+ hours analysing economic factors and held countless discussions to assess market conditions. By November 2024, the valuation bubble was clear: ✅ 36+ mid-cap companies (out of 150) were trading at a PE above 70 ✅ 14+ companies had a PE exceeding 100 Despite the rally, we stood firm in our belief that an economic slowdown could trigger a deep correction. On 23 November 2024, in our 2025 Mutual Fund Recommendation video, we again skipped small-cap and mid-cap fund recommendations, sticking to research, not momentum. But this time, the reaction was intense ❌ 100+ comments criticising our decision ❌ People felt their time was wasted ❌ We lost subscribers Today, the market reality is drastically different, something many never saw coming. Q3 results showed only ~7% (single-digit) earnings growth, which does not justify the high valuations. •Nifty Small cap 250 index has dropped 20% in 2025, with 10% of that in just the past week. •Nifty Midcap 150 index is down 15% this year, slipping 7% in just one week. *Result:* Small-cap SIP investors have been sitting on unrealised losses (a negative XIRR of up to - 46%) in all 29 schemes since their peak in September 2024. At Finology, we walk with the mindset of Capital Safety No Hype No FOMO No chasing short-term trends. Markets can be irrational for a while, but in the end, fundamentals always catch up. First, ask yourself: •Should I stop my SIPs to avoid further losses? •Will small caps recover soon, or is this the start of a prolonged downturn? •Should I arrange more money for a lump sum investment in small caps? If these questions are taking your headspace, then you should probably never consider small-cap or mid-cap funds in your asset allocation. But if that's NOT you, here are my key takeaways: 📌 Redefining small cap long-term investing horizon – If you're not ready for a 15+ year horizon, small caps aren't for you. 📌 Small caps are highly volatile – They can swing sharply within the same year, sometimes wiping out 50% of gains in deep corrections. 📌 Sharp declines are common – Even in positive years, small caps have seen significant drawdowns. 📌 Review your asset allocation – If small caps exceed 25% of your portfolio, rebalance. An optimal allocation is 15-20% to manage risk. 📌 SIPs thrive in volatility – Staying invested lets you buy at lower prices, improving long-term cost averaging. If you value our capital safety mindset, long-term, research-backed stock picks, and sector-agnostic approach, explore *Finology 30—your curated path to building wealth the right way.*👇 Link: [https://recipe.finology.in/stocks]
#10 Concept of the Day: What is Hyperinflation?👇