WEEKLY WEALTH REPORT
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Money rules are no longer written in stone; Financial Landscape is Dynamic.
Money Rules evolve with Time, Technology, Changing Economic Times, Evolving Life style and Human Behaviour.
Today, wealth creation is less about just saving money and more about how smartly you deploy it, adapt to change, and manage risk. Understanding how money rules have changed is essential for navigating modern finances and building sustainable wealth in this new age.
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Old Assumption – Retirement calculations are always factored with 6% as standard Inflation.
New Reality – Today Inflation is far more severe, especially Urban Inflation. You need to factor atleast 9% with essentials rising faster and changing lifestyles.
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Old Assumption – Equity Investments should be 100 Minus your Age
New Reality – Young Investors needs higher allocation in Equity, Even the investors beyond age 50, can consider higher equity allocation if they have 7 years and above Time Frame.
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Old Assumption – Allocation of Gold should be around 10% to Portfolio.
New Reality – With Changing Geo Political Dimensions, Gold is new hedging asset. Many economies are actively involved with De Dollarization, the demand for gold can go up. You can consider allocating 20%.
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Old Assumption – Children, Rental Income and Fixed Deposits will take care of Retirement
New Reality – Retirement plan is most complex because of higher urban Inflation, Longevity, Medical advancements and rising costs. You have to have a substantial Corpus for Retirement …………………………………………………………………………………..
Old Assumption – Do it yourself or the direct investing was popular due to lower charges and convenience
New Reality – When the evolving Financial Landscape is dynamic and complex hence the investors are shifting the mindset for expert advisory. Having an expert with your side, guides to the right path and Alpha Creation.
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As the financial landscape continues to evolve, old money rules are being rewritten. To stay ahead, we must adapt to dynamic financial concepts and changing market realities. Flexibility, awareness, and continuous learning are now the true pillars of smart wealth creation.
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WEEKLY MARKET PULSE
After early weakness mid-week, the Sensex and Nifty snapped a four-session losing streak and rebounded sharply on 19 Dec.
Nifty 50 traded between roughly 25,700 and 26,200 during the week, finally closing near 26,047, showing a recovery from mid-week profit booking.
Midcap & Small cap indices outperformed, each rising ~1% on Friday, indicating a broader rally beyond large caps.
Early in the week, markets felt pressure from foreign fund outflows and U.S.– India trade deal uncertainty, which weighed on sentiment and caused benchmarks to soften mid-week
FIIs were net sellers on 15–16 Dec (approx ₹-1,468 cr and ₹-2,382 cr respectively), then turned net buyers on 17th to 19th Dec with positive flows.
Renewed buying by Foreign Institutional Investors (FIIs) in later sessions provided support.
Despite month-to-date FII net outflows of nearly ₹20,000 cr, robust DII inflows of ~₹52,000 cr have kept benchmarks resilient near lifetime highs.
The Indian rupee hit record lows against the U.S. dollar, adding to cautious positioning by offshore investors.
Softer-than-expected U.S. inflation data boosted global markets and lifted Indian equities, reigniting hopes of further Fed rate cuts.
PRODUCT OF THE WEEK
ICICI PRU FLEXI CAP FUND
Why to Invest in ICICI Flexi Cap Fund?
ICICI Flexi Fund is intended to invest in high-conviction ideas across market cap. This fund is primarily exposed to consumer-oriented companies especially in Autos, Hospitals, Realty, Retail lending, and
other Consumer discretionary.
The fund also has a good blend of B2B-oriented sectors like Auto Ancillaries and mid cap IT, although we have trimmed our significant overweight to the IT sector
While from a valuation perspective, ICICI Flexi cap may favour large cap over mid/small cap currently, given the bottom-up approach to stock selection, the fund will look for opportunities irrespective of the
market cap segment
THIS WEEK MY TOP SOCIAL MEDIA CONTENTS
STORY OF THE WEEK
AFTER 40: WHERE WEALTH MEETS HEALTH
After 40, life shifts from growth to preservation. Mistakes now are costlier. Smart choices compound faster.
Wealth: What Really Matters
Stop Chasing Returns
Consistency beats risky bets. Protect capital first.
Retirement Is Non-Negotiable
Time is limited. Plan, invest, review — without excuses.
Control Lifestyle Inflation
Rising income should not kill rising savings
Health: Your Biggest Asset
Don’t Ignore Warning Signs
Fatigue, poor sleep, weight gain are early alerts.
Move Consistently
Strength, mobility & cardio matter more than extreme workouts.
Prioritise Sleep & Recovery Recovery
keeps you productive and disease-free.
bottom Line
Before 40 → Build wealth. After 40 → Protect wealth & health
Your money should support your body.
Your body should protect your money.
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DISCLAIMER
Mutual Funds and Stock Market Investments are subject to market risks, pls read all scheme related documents carefully. Past performance of the mutual fund is not necessarily indicative for future performances. Mutual fund does not guarantee any returns or dividends.
This report is for informational purpose only and contains information, opinion, material obtained from reliable sources and every effort has been made to avoid errors and omissions and is not to be construed as an advice or an offer to act on views expressed therein or an offer to buy and/or sell any securities or related financial instruments, we shall not be responsible and/or liable to anyone for any direct or consequential use of the contents thereof. Reproduction of the contents of this report in any form or by any means are prohibited.