Nilesh Todarmal

  In 2024, India saw 91 IPOs — a remarkable number. But here’s what’s even more remarkable (and worrying): as per SEBI, 54% of retail investors sold their IPO allotment within a week , and 43% exited on the listing day itself . What does this tell us? That the Indian primary market has become the new secondary market . That investors are no longer investing — they’re chasing . And most caught in this chase? Our youth — energetic, ambitious, digitally empowered , but financially disoriented. 🟠 From Wealth Creation to Quick Gains Traditionally, IPOs were seen as a way to participate in a company’s long-term growth — where patient capital met promising business models . The goal was clear: wealth creation. But today? IPOs are being treated like lottery tickets . Buy on allotment. Sell on listing. Profit? Great. No profit? Next shiny object. This isn’t investing. This is speculation. 🔴 Influencers Over Financial Literacy Our youth is drowning in financial content — ...

  Navigating the Stress Test Concerns in Small Cap Funds: Let’s Chat About What This Means for You I wanted to touch base with you about something that's been making the rounds in the news lately—those stress tests on small-cap funds in India. I know it might sound a bit technical, but think of it as a routine check-up for your investments. If you’re feeling a bit uneasy or confused, don’t worry—I’m here to walk you through it. So, What’s a Stress Test? Picture going to the doctor for a check-up, where they assess how your body would handle stress, like running a marathon or lifting heavy weights. A stress test for mutual funds works in a similar way. It’s meant to see how well a fund, like a small-cap fund, would perform if the market hit some rough patches—think sudden drops or financial turmoil. Why Are Small Cap Funds in the Spotlight? Small-cap funds invest in smaller, often younger companies. These companies have a lot of room to grow, but with that growth potential comes m...