Olivia
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Yieldcapitals Financial Services
@yieldcapitals
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Joined July 2015
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Today , the Godrej Group announced their entry into the wealth management space with the launch of Godrej Wealth
I sat down with Pirojsha Godrej and Manish Shah, MD & CEO of Godrej Capital to understand the reason behind this foray
The Godrej group is very bullish on the financial services sector in India and within the space, they are particularly optimistic on wealth management and lending.
within financial services, they expect the wealth management company Godrej Wealth to hit an AUM of 1 lakh crore by 2031
the target for both lending + wealth management is 2 lakh crore in AUM by 2031
The group sees financial services as the fastest growing piece of the Godrej Group pie
Pirojsha spoke about financial services forming 10% of the overall group business by 2031
when asked on listing the business he said, before march 2031, they will list the financial services business
They will launch Godrej Wealth in 8 cities first and then move to 35 cities over the next few years.
Who to follow
"Bloomberg Economics estimates that the RBI may have sold about $12 billion of gold based on reserve data. The RBI has not officially confirmed any such sale."
Reports claim
Media reports claim SIP Stoppage Ratio as headlines -
#sip
#mutualfunds
#mutualfundssahihai
A SIP Stoppage Ratio Above 100%? Why Long-Term Investors Should Stay the Course
Recent AMFI data has sparked concern among investors.
SIP Stoppage Ratio:
• FY24: 52.4%
• FY25: 76.6%
• FY26: 94.5%
• April 2026: Above 100%
At first glance, this appears alarming. However, history suggests that periods of elevated investor pessimism have often created the best long-term wealth-building opportunities.
What the data is actually telling us
A SIP stoppage ratio above 100% means more SIPs were discontinued or completed than newly registered during the month. It does not necessarily mean investors are exiting mutual funds in large numbers.
In fact, despite the elevated stoppage ratio, SIP inflows remained near record levels of over ₹31,000 crore per month and SIP assets under management continued to remain at historic highs. This indicates that committed long-term investors are continuing to invest systematically despite market volatility.
Lessons from previous market cycles
2008 Global Financial Crisis
During the financial crisis, the Nifty corrected by more than 50%. Many investors stopped SIPs out of fear. Those who continued investing through 2008 and 2009 accumulated units at significantly lower prices and participated in one of the strongest recoveries in Indian equity market history.
2011–2013 Sideways Market
The Nifty delivered limited returns for nearly three years. Investor enthusiasm declined considerably. However, investors who continued their SIPs during this period benefited enormously from the bull market that followed between 2014 and 2017.
2018–2020 Market Volatility
Trade wars, the IL&FS crisis, slowing economic growth and finally the COVID-19 crash created extreme uncertainty. Investors who continued SIPs through the panic of March 2020 were rewarded by one of the fastest recoveries ever witnessed in Indian equities.
2024–2026 Time Correction
The current market phase is different from a major crash. Instead of a sharp price correction, the market has undergone a "time correction." Many stocks, particularly in the mid-cap and small-cap segments, have spent 18–24 months consolidating gains after a strong post-pandemic rally.
Historically, such consolidation phases are normal and often lay the foundation for the next leg of wealth creation.
Why stopping SIPs can be costly
The biggest mistake investors make is stopping investments when markets are weak and restarting after markets have already recovered.
When markets fall:
• SIPs buy more units.
• Average acquisition costs decline.
• Future return potential improves.
When markets recover:
• The units accumulated during difficult periods contribute disproportionately to long-term wealth creation.
This is the very reason SIPs were designed—to remove emotion from investing.
A simple example
₹10,000 monthly SIP
At 12% annualised return:
• 10 years: ~₹23 lakh
• 20 years: ~₹1 crore
• 30 years: ~₹3.5 crore
At 15% annualised return:
• 10 years: ~₹28 lakh
• 20 years: ~₹1.5 crore
• 30 years: ~₹8.4 crore
At 18% annualised return:
• 10 years: ~₹35 lakh
• 20 years: ~₹2.7 crore
• 30 years: ~₹19 crore
The majority of wealth is created not through market timing, but through consistency and compounding.
Our Perspective -
Market corrections, volatility, and periods of underperformance are temporary. Financial goals such as retirement, children's education, wealth creation, and financial independence are long-term journeys.
An 18–24 month phase of muted returns should not derail a 10–20 year investment plan.
The investors who create substantial wealth are rarely those who predict market bottoms perfectly. They are the investors who continue investing when others lose patience.
U.S. President Donald Trump in a post on Truth Social on Monday:
I had a very productive call with Prime Minister Bibi Netanyahu, of Israel, and there will be no Troops going to Beirut, and any Troops that are on their way, have already been turned back. Likewise, through highly placed Representatives, I had a very good call with Hezbollah, and they agreed that all shooting will stop — That Israel will not attack them, and they will not attack Israel. President DONALD J. TRUMP
Trump: talks are continuing, at a rapid pace, with Islamic Republic in Iran
MSCI rebalancing yesterday triggered huge FPI activity in the Indian market
Out of NSE turnover of ₹2.87 lakh crore, FPIs accounted for nearly ₹1.98 lakh crore, or 69% of total trading.
Despite trading almost 10 times their net selling amount, FPIs ended the day as net sellers of ₹20,637 crore. Meanwhile, DIIs were net buyers of ₹16,260 crore, with trading activity about 3.3 times their net buying.
President Trump has tightened the terms of a proposed framework deal to end the war in Iran and sent the revised conditions back to Tehran for consideration, according to three officials cited by the NYT.
US lifts Naval blockade in strait of Hormuz as per reports
#Crudeoil
BANK FRAUDS JUMP 46% YEAR-ON-YEAR IN INDIA
The report says bank frauds in India rose 46% to ₹48,021 crore in FY26, compared with ₹32,803 crore a year earlier, based on RBI data: Reports
May 27th view
#Nifty to open muted amid mixed global cues & renewed iran tensions Nifty range 23760-24120 for today,
Trend of nifty buy on dips
With 23680 as stop for longs
#Banknifty trend neutral while Smallcaps & Midcaps trend positive
Details- https://t.co/wQEnKN201g
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