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Smart money is always the institutional money. But 2021 saw retail becoming smart. How?The retail investor invested in index funds, small-cap funds and traded heavily in the large caps. Since the market was on an uptrend, making money was not as difficult as it was earlier. Also, the year gone by introduced market participants to a host of new financial terminologies – SPAC (special purpose acquisition company), NFTs (non-fungible token), DeFi