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All about BNPL, Irrational People, Buy and Hold Investing & Inflation

  • Explained: The complete BNPL ecosystem
  • Psychology: The value of doing nothing and staying put
  • Behavioral Finance: Economics of irrational people
  • Personal Inflation: How does inflation impact different people?
  • Investing: Is buy and hold always the right strategy?
  • 🆕 Pop Quiz: A quiz question that can win you a little gift from us

BNPL – Too good to miss? 🤔

Lending is one of the oldest businesses in the world. The hottest form of lending right now is Buy-Now-Pay-Later (BNPL) which is different from a credit card but a lot similar too. In this article we explore –

  • Why do retailers offer BNPL?
  • Is it an alternative to credit card financing or an extension of it?
  • Why consumers are willing to use it?
  • What happens when you don’t have stringent underwriting or Fraud Controls?
  • Why Indian Banks are not fighting this battle?

Read – Buy Now, Pay Later (BNPL): Too Good to Miss?

Let trust and networks compound too! 🎯

Ours is a constantly moving, ever-hustling, and do-it-fast generation. We like to move on and try new things.

What if we don’t switch fields, don’t look for a new job, and don’t move on. Morgan Housel shares his thoughts about staying put.

Read – Staying Put

Economics of Irrational People 🤹‍♂️

The basic assumption of every economic study is people are rational and always act logically. We know this is far from the truth when it comes to stock markets & personal finance.

Understanding how people act in complex real-life situations is captured under the field – Behaviour Finance. Here’s a primer on the evolution of Behaviour Finance (BeFi).

Read – Dropping Economics 101

Your inflation is not my inflation💰

Deepak Shenoy has been talking about how inflation impacts different people differently for a while now. A single CPI number would not apply to each individual due to differences in socio-economic strata, spending patterns, and saving habits. Here’s an article resonating the similar thoughts –

Read – You’ve Been Thinking About Inflation All Wrong

Buy & Hold: Are your Portfolio Stocks forever? 💎

Warren Buffett has famously said, “Our favorite holding period is forever”. This is a nuanced view and does not necessarily mean never selling stocks.

Is the behaviorally easy ‘Buy & Hold’ good for the health of your portfolio too? Let’s see what the data has to say!

Read – Buy & Hold: Are your Portfolio Stocks forever?

Pop Quiz ⚡️

Hit reply to this email and send in your answers. If you are not reading this in your mailbox, please subscribe to the newsletter to get next the one (with the next Pop Quiz) in your inbox!

Question: Prime Minister Jawaharlal Nehru was concerned that Indian women were spending precious foreign exchange on these products and personally requested JRD Tata to manufacture them in India. An example of government and corporate working hand-in-hand for a better India!

This new company was named after a French opera, which itself is the French form of Devi Lakshmi (the Hindu goddess of wealth), who is renowned for her beauty.

Idéntify this company.

(P.S.: We keep getting impressed by the Tata group again and again. What legacy!)

Last week’s quiz results💡

Answer: Mysore Sandal Soap. It is the only soap in the world made from 100% pure sandalwood oil. Read more about the event here.

Quiz Winner – Gaurav Batra 🎉

⭐️ Free Webinar – Learn secrets of Momentum Investing!

Register here –

All about BNPL, Irrational People, Buy and Hold Investing & Inflation


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