How inflation reduces savings value Inflation increases prices over time, so cash parked at low rates loses buying power; the gap between savings yields and inflation is the “inflation drag,” which compounds into large losses over years. Real return is the inflation‑adjusted gain: Real Return = (1+Nominal)÷(1+Inflation)−1(1+Nominal)÷(1+Inflation)−1; subtracting inflation is a rough shortcut, but the exact […]
Deductible basics A deductible is the initial amount paid by the policyholder on a covered claim; after this threshold, the insurer pays according to policy terms, and premiums typically fall as deductibles rise because risk‑sharing increases. Health deductibles generally reset annually, while auto and home deductibles apply per claim and are subtracted from the settlement
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Offer snapshot Business snapshot Founded in 2016, Wakefit is a D2C leader in mattresses and home furniture, scaling from online mattresses to a wider portfolio including beds, sofas, wardrobes, tables, and home decor, with a growing offline COCO store network and pan‑India logistics. The brand emphasizes in‑house manufacturing and direct distribution to keep price‑to‑value strong
Offer snapshot Business and scale Founded in 2008, Lenskart runs an omni‑channel eyewear platform with over 2,000 global stores, integrating online discovery, in‑store fittings, and vertically integrated manufacturing and lens tech. The Indian eyewear market is projected to grow at a ~13% CAGR to FY2030, outpacing global growth, with prescription eyewear the largest segment by
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Midwest Limited, incorporated in 1981, is engaged in exploration, mining, processing, marketing, distribution, and export of natural stones, and is a leading producer and exporter of Black Galaxy Granite known for its distinctive golden flakes. Midwest Ltd. IPO Mainboard book‑built issue (Fresh + Offer for Sale + Employee) UPCOMING IPO IPO Window Oct 15 –
Offer snapshot Use of proceeds (fresh issue) Business overview and scale Founded in 1981, Midwest focuses on natural stone exploration and processing (granite, marble, limestone, travertine) with diversification into mining, including overseas assets; it is among India’s sizable stone exporters with 1,600+ employees and proposed mainboard listing, per company and aggregator summaries. Industry outlook for
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The 4‑step decision Why the 6% threshold? Analysis suggests that when expected portfolio returns and tax advantages are weighed, paying off debts above roughly 6%6% tends to beat investing unmatched dollars for many savers; below that, investing may produce better long‑run outcomes, especially for those far from retirement. Adjust this threshold up or down depending on risk
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