What exactly is thematic investing and how do you choose a theme?

You can listen to this show and other awesome shows on the IVM Podcast App on Android: https://goo.gl/tGYdU1 or iOS: https://goo.gl/sZSTU5

You can check out our website at http://www.ivmpodcasts.com/

What exactly is thematic investing and how do you choose a theme? You can listen to this show and other awesome shows on the IVM Podcast App on Android: <a href="https://goo.gl/tGYdU1" target="_blank" rel="nofollow noopener noreferrer">https://goo.gl/tGYdU1</a> or iOS: <a href="https://goo.gl/sZSTU5" target="_blank" rel="nofollow noopener noreferrer">https://goo.gl/sZSTU5</a> You can check out our website at <a href="http://www.ivmpodcasts.com/" target="_blank" rel="nofollow noopener noreferrer">http://www.ivmpodcasts.com/</a>

Paisa Vaisa is India's premier podcast on personal finance, boasting over 4 million downloads, featuring over 200 hours of insightful content and discussions, hosting more than 250 guests, and presenting a wealth of knowledge through over 450 episodes. Since 2017, Paisa Vaisa hosts experts from mutual funds, stocks, real estate, loans, education financing, insurance, and much more. It has recently introduced a sub-series offering valuable insights in businesses and entrepreneurship.

You can catch this podcast on YouTube 'Paisa Vaisa with Anupam Gupta' or find it on top audio streaming platforms like Apple Podcasts, Spotify, Amazon Music, Google Podcasts, JioSaavn, Gaana, and others.

Paisa Vaisa is India's premier podcast on personal finance, boasting over 4 million downloads, featuring over 200 hours of insightful content and discussions, hosting more than 250 guests, and presenting a wealth of knowledge through over 450 episodes. Since 2017, Paisa Vaisa hosts experts from mutual funds, stocks, real estate, loans, education financing, insurance, and much more. It has recently introduced a sub-series offering valuable insights in businesses and entrepreneurship. You can catch this podcast on YouTube 'Paisa Vaisa with Anupam Gupta' or find it on top audio streaming platforms like Apple Podcasts, Spotify, Amazon Music, Google Podcasts, JioSaavn, Gaana, and others.

The Paisa Vaisa podcast helps you understand all things money so that you can make well-informed financial decisions. Understand the basics every week as host, Anupam Gupta, talks with experts across a wide spectrum of the banking and financial services

Paisa Vaisa with Anupam Gupta

What exactly is thematic investing and how do you choose a theme? You can listen to this show and other awesome shows on the IVM Podcast App on Android:  or iOS:  You can check out our website at

Ep. 92: What is Thematic Investing?

In this episode of Paisa Vaisa, Anupam Gupta sits down with Deepak Shenoy, CEO of Capitalmind, to discuss a major shift in the investment landscape: The transition from Portfolio Management Services (PMS) to Mutual Funds. If you are an investor confused about where to park your money for long-term growth with tax efficiency, this conversation is a goldmine.

Deepak breaks down exactly why Capitalmind launched a Multi-Asset Fund and the massive tax disadvantages that come with traditional PMS structures. We deep dive into how asset allocation across equity, debt, and commodities can protect your downside volatility while ensuring steady wealth creation. Whether you are a beginner looking to invest in mutual funds or an HNI considering PMS, this episode reveals the math behind smarter investing.

Key Takeaways (Crisp & Clear)


Tax Efficiency: Mutual funds offer superior tax benefits over PMS by avoiding capital gains tax on internal portfolio churning.


Volatility Management: Multi-asset allocation dynamically smoothes returns, significantly reducing drawdowns compared to pure equity portfolios.


Global Diversification: Adding international equities provides a necessary hedge against domestic market risks and currency fluctuations.


Portfolio Accessibility: Mutual funds lower the entry barrier compared to the high ticket size (₹50L+) required for PMS investments.


Behavioral Edge: The strategy focuses on "sleep well" investing, prioritizing peace of mind over chasing the highest risky returns.


Economic Outlook: Strong credit growth and GST data signal robust underlying health in the Indian economy despite short-term noise.

From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more 
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta: 
Twitter: @b50
Instagram: @b_50 
LinkedIn: Anupam Gupta 

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

In this episode of Paisa Vaisa, Anupam Gupta sits down with Deepak Shenoy, CEO of Capitalmind, to discuss a major shift in the investment landscape: The transition from Portfolio Management Services (PMS) to Mutual Funds. If you are an investor confused about where to park your money for long-term growth with tax efficiency, this conversation is a goldmine.
Deepak breaks down exactly why Capitalmind launched a Multi-Asset Fund and the massive tax disadvantages that come with traditional PMS structures. We deep dive into how asset allocation across equity, debt, and commodities can protect your downside volatility while ensuring steady wealth creation. Whether you are a beginner looking to invest in mutual funds or an HNI considering PMS, this episode reveals the math behind smarter investing.
Key Takeaways (Crisp &amp; Clear)
<ol data-indent-level="1">
<li>
Tax Efficiency: Mutual funds offer superior tax benefits over PMS by avoiding capital gains tax on internal portfolio churning.
</li>
<li>
Volatility Management: Multi-asset allocation dynamically smoothes returns, significantly reducing drawdowns compared to pure equity portfolios.
</li>
<li>
Global Diversification: Adding international equities provides a necessary hedge against domestic market risks and currency fluctuations.
</li>
<li>
Portfolio Accessibility: Mutual funds lower the entry barrier compared to the high ticket size (₹50L+) required for PMS investments.
</li>
<li>
Behavioral Edge: The strategy focuses on "sleep well" investing, prioritizing peace of mind over chasing the highest risky returns.
</li>
<li>
Economic Outlook: Strong credit growth and GST data signal robust underlying health in the Indian economy despite short-term noise. From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations. Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana &amp; more Watch full episodes right here on YouTube Explore more at ivmpodcasts.com Connect with Anupam Gupta: Twitter: @b50 Instagram: @b_50 LinkedIn: Anupam Gupta Follow IVM Podcasts We&rsquo;re @ivmpodcasts on Facebook, Twitter &amp; Instagram
</li>
</ol>

PMS vs Mutual Funds: The Hidden Tax Truth | Deepak Shenoy | Paisa Vaisa | Anupam Gupta

Are you blindly trusting your SIPs to fund your life 20 years from now? In this deep-dive episode of Paisa Vaisa, Anupam Gupta (@b50) welcomes Sameep Singh, Business Unit Head at Policybazaar , to solve the "Final Boss" of personal finance: Retirement. We tackle a question every Indian professional is asking: "How do I generate a ₹1 Lakh post-tax monthly pension?" Using a 40-year-old in Mumbai as a case study, we break down the brutal reality of 7% inflation and why a simple savings account won't cut it.

We explore the "Young India" bias why our demographic is obsessed with picking the next multibagger stock but completely ignores the 30-year period after their last salary. Sameep explains the critical "Humbling Years" of the stock market and why your withdrawal strategy is more important than your investment returns. We also introduce the 3% Withdrawal Rule and how it ensures you never outlive your money. From understanding medical inflation (which is growing at 14%!) to why your parents’ FD interest is shrinking due to "Reinvestment Risk," this episode is a masterclass in long-term survival. If you want to stop guessing your future and start building a bulletproof retirement pot, this conversation is for you. Don't forget to stick around for the "Don't Touch the Pot" rule the single habit that separates wealthy retirees from the rest.

Key Takeaways -


Early Start: Compounding works best over 30 years, transforming even small amounts into massive wealth.


Tax Efficiency: Low-cost ULIPs under ₹2.5L premium offer tax-free returns, avoiding the 12.5% LTCG tax on Mutual Funds.


Health Priority: Buy health insurance young to fight medical inflation and ensure premiums don't skyrocket later.


Safety Net: A safe withdrawal rate is ideally 3%, supplemented by guaranteed income in bad market years.


Adequate Cover: A ₹1 Crore term plan is often insufficient for long-term family goals like education and retirement.


Lock-in Gains: Annuity plans protect seniors from "Reinvestment Risk" when bank FD rates drop over time.


From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more 
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta: 
Twitter: @b50
Instagram: @b_50 
LinkedIn: Anupam Gupta 

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

Are you blindly trusting your SIPs to fund your life 20 years from now? In this deep-dive episode of Paisa Vaisa, Anupam Gupta (@b50) welcomes Sameep Singh, Business Unit Head at Policybazaar , to solve the "Final Boss" of personal finance: Retirement. We tackle a question every Indian professional is asking: "How do I generate a ₹1 Lakh post-tax monthly pension?" Using a 40-year-old in Mumbai as a case study, we break down the brutal reality of 7% inflation and why a simple savings account won't cut it.
We explore the "Young India" bias why our demographic is obsessed with picking the next multibagger stock but completely ignores the 30-year period after their last salary. Sameep explains the critical "Humbling Years" of the stock market and why your withdrawal strategy is more important than your investment returns. We also introduce the 3% Withdrawal Rule and how it ensures you never outlive your money. From understanding medical inflation (which is growing at 14%!) to why your parents&rsquo; FD interest is shrinking due to "Reinvestment Risk," this episode is a masterclass in long-term survival. If you want to stop guessing your future and start building a bulletproof retirement pot, this conversation is for you. Don't forget to stick around for the "Don't Touch the Pot" rule the single habit that separates wealthy retirees from the rest.
Key Takeaways -
<ul data-prosemirror-content-type="node" data-prosemirror-node-name="bulletList" data-prosemirror-node-block="true">
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Early Start: Compounding works best over 30 years, transforming even small amounts into massive wealth.
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Tax Efficiency: Low-cost ULIPs under ₹2.5L premium offer tax-free returns, avoiding the 12.5% LTCG tax on Mutual Funds.
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Health Priority: Buy health insurance young to fight medical inflation and ensure premiums don't skyrocket later.
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Safety Net: A safe withdrawal rate is ideally 3%, supplemented by guaranteed income in bad market years.
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Adequate Cover: A ₹1 Crore term plan is often insufficient for long-term family goals like education and retirement.
</li>
<li data-prosemirror-content-type="node" data-prosemirror-node-name="listItem" data-prosemirror-node-block="true">
Lock-in Gains: Annuity plans protect seniors from "Reinvestment Risk" when bank FD rates drop over time.
</li>
</ul>
 From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations. Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana &amp; more Watch full episodes right here on YouTube Explore more at ivmpodcasts.com Connect with Anupam Gupta: Twitter: @b50 Instagram: @b_50 LinkedIn: Anupam Gupta Follow IVM Podcasts We&rsquo;re @ivmpodcasts on Facebook, Twitter &amp; Instagram

How much money do you actually need to retire at 50? | Paisa Vaisa | Anupam Gupta |

On this episode of Paisa Vaisa, Sachin Gupta, the Executive Director and Chief Ratings Officer at CareEdge Ratings, sits down with Anupam Gupta on the Paisa Vaisa podcast to discuss the ticking time bomb of the $1 trillion global private credit market. While the US and Europe are grappling with opaque, unrated debt bubbles, Sachin argues that India’s strict regulatory culture might be our greatest economic superpower in 2026. We break down the "Modified Credit Ratio," a leading indicator that currently shows 2.5 upgrades for every single downgrade in the Indian economy. This episode is a deep dive into the sectors that are actually winning, from the ironclad asset quality of gold loan companies to the resilient banking sector that has moved from 12% NPAs to a state of unprecedented health. If you are an investor looking to navigate the current high-interest-rate cycle, Sachin’s macro insights on the RBI’s data-driven approach will change how you view your portfolio’s safety.

Key Takeaways


The Math of Trust: A credit rating is not a general "vibe check" on a company; it is a cold, mathematical probability of default calculated on a 20-point scale from AAA to D.


The Integrity Filter: Management risk is the most critical pillar of analysis because promoter integrity and project execution track records determine survival better than any balance sheet.


Regulatory Fortress: India’s strict AIF rules prevent the kind of "debt-on-debt" systemic risk currently threatening the $1 trillion opaque private credit markets in the US.


The Gold Standard: Gold loan companies maintain the highest asset quality in the NBFC space because physical collateral and rising gold prices provide an automatic safety buffer for lenders.


Recovery Revolution: The implementation of IBC and NCLT has fundamentally fixed India’s credit culture by instilling a genuine fear in promoters that they will lose their business if they default.


From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.

Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more 
Watch full episodes right here on YouTube
Explore more at ivmpodcasts.com

Connect with Anupam Gupta: 
Twitter: @b50
Instagram: @b_50 
LinkedIn: Anupam Gupta 

Follow IVM Podcasts
We’re @ivmpodcasts on Facebook, Twitter & Instagram

On this episode of Paisa Vaisa, Sachin Gupta, the Executive Director and Chief Ratings Officer at CareEdge Ratings, sits down with Anupam Gupta on the Paisa Vaisa podcast to discuss the ticking time bomb of the $1 trillion global private credit market. While the US and Europe are grappling with opaque, unrated debt bubbles, Sachin argues that India&rsquo;s strict regulatory culture might be our greatest economic superpower in 2026. We break down the "Modified Credit Ratio," a leading indicator that currently shows 2.5 upgrades for every single downgrade in the Indian economy. This episode is a deep dive into the sectors that are actually winning, from the ironclad asset quality of gold loan companies to the resilient banking sector that has moved from 12% NPAs to a state of unprecedented health. If you are an investor looking to navigate the current high-interest-rate cycle, Sachin&rsquo;s macro insights on the RBI&rsquo;s data-driven approach will change how you view your portfolio&rsquo;s safety.
Key Takeaways
<ul data-indent-level="1">
<li>
The Math of Trust: A credit rating is not a general "vibe check" on a company; it is a cold, mathematical probability of default calculated on a 20-point scale from AAA to D.
</li>
<li>
The Integrity Filter: Management risk is the most critical pillar of analysis because promoter integrity and project execution track records determine survival better than any balance sheet.
</li>
<li>
Regulatory Fortress: India&rsquo;s strict AIF rules prevent the kind of "debt-on-debt" systemic risk currently threatening the $1 trillion opaque private credit markets in the US.
</li>
<li>
The Gold Standard: Gold loan companies maintain the highest asset quality in the NBFC space because physical collateral and rising gold prices provide an automatic safety buffer for lenders.
</li>
<li>
Recovery Revolution: The implementation of IBC and NCLT has fundamentally fixed India&rsquo;s credit culture by instilling a genuine fear in promoters that they will lose their business if they default. From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations. Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana &amp; more Watch full episodes right here on YouTube Explore more at ivmpodcasts.com Connect with Anupam Gupta: Twitter: @b50 Instagram: @b_50 LinkedIn: Anupam Gupta Follow IVM Podcasts We&rsquo;re @ivmpodcasts on Facebook, Twitter &amp; Instagram
</li>
</ul>

Ep. 92: What is Thematic Investing?

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