Money with Monika is a weekly personal finance show that answers your queries on all investment matters. Monika Halan, Consulting Editor of Mint and author of Let’s Talk Money, takes you through the various avenues of savings open to you - deposits, stocks, bonds, mutual funds, insurance and pension funds. This is a Mint production, brought to you by HT Smartcast.
…
continue reading
1
26: How to avoid behavioural biases while investing
9:39
9:39
Afspil senere
Afspil senere
Lister
Like
Liked
9:39
While neoclassical economics postulates that individuals are inherently efficient, when it comes to investing, pragmatism and logic are often overshadowed by what is referred to as behavioural biases. These biases push investors towards making errors by making them take decisions based on impulse and perception rather than factual analysis. Some co…
…
continue reading
1
12: Funds that trade like stocks: Are ETFs right for you?
9:57
9:57
Afspil senere
Afspil senere
Lister
Like
Liked
9:57
From Rs 7,000 crore to Rs 2 lakh crore - that is how the asset base of exchange-traded funds in India has grown over the last 5 years. ETFs are a kind of mutual fund, but with one big difference - as the name suggests, they are listed on exchanges and are traded like stocks. They are passive funds, i.e. they mimic an index, and a fund manager doesn…
…
continue reading
1
25: Value, Growth, GARP: How to choose investment style?
9:06
9:06
Afspil senere
Afspil senere
Lister
Like
Liked
9:06
Warren Buffett, the famous investor, once called financial markets 'manic depressive'. He was referring to the swings periodically seen on the bourses. Buffett believes investors shouldn't be influenced by these movements, thus maintaining a perpetually long-term vision. But is this the only way to invest? Those who differ with this 'value' style, …
…
continue reading
1
10: Aggressive to Conservative: Picking right hybrid fund
10:40
10:40
Afspil senere
Afspil senere
Lister
Like
Liked
10:40
Hybrid mutual funds have seen outflows in the recent past but that doesn't necessarily mean that you should keep your distance from this product. Hybrid funds are a tool with which you can invest across asset classes like debt, equity and gold, while maintaining the asset allocation of your choice. Apart from some tax advantages, these have the add…
…
continue reading
1
24: What are midcap funds, when & how to invest in them
9:54
9:54
Afspil senere
Afspil senere
Lister
Like
Liked
9:54
There's a rally in the midcap space in the markets, especially after Sebi's news rules regarding multi-cap funds. But, should you capitalize on this development? Should recent, higher returns dictate your plunge into a midcap investment, or should it be a more strategic decision with a long-term vision? And finally, should you pick a midcap fund to…
…
continue reading
1
24: Rough patch for debt funds; how to invest now
10:53
10:53
Afspil senere
Afspil senere
Lister
Like
Liked
10:53
Investor confidence in debt funds has been shaken in recent years due to episodes in the recent past. While regulators have now jumped into action, did investors enter a product class without understanding it in detail? Do retail investors suffer more as compared to their institutional counterparts when debt funds crash? And, how should you proceed…
…
continue reading
1
22: Asset allocation & checking your MFs' performance
10:51
10:51
Afspil senere
Afspil senere
Lister
Like
Liked
10:51
Even as the struggle against the Covid-19 pandemic continues, one of the biggest monetary lessons from the global ordeal has been to desist from making knee-jerk reactions when it comes to investments and maintaining healthy asset allocation. In this episode of Money With Monika, personal finance expert Monika Halan explains how and when to check t…
…
continue reading
1
23: India's best health insurance plans | Corona Conversations
16:37
16:37
Afspil senere
Afspil senere
Lister
Like
Liked
16:37
The ongoing Covid-19 pandemic has rudely reinforced the need for a medical cover, but buying a policy remains riddled with a confusing marketplace with plenty of tricks and traps. In this special episode of Money With Monika, personal finance expert Monika Halan discusses India's best health insurance plans with Mint's in-house expert Deepti Bhaska…
…
continue reading
1
23: Why should you stop buying bundled life insurance plans
12:11
12:11
Afspil senere
Afspil senere
Lister
Like
Liked
12:11
Smart money managers have a key rule- never bundle your life insurance with your investments. Bundled insurance plans neither give you a good life cover nor a good return and in India, these are built like traps. In this episode of the special series of Money with Monika, personal finance expert Monika Halan explains why one should stop buying bund…
…
continue reading
1
21: 6 Money Ratios for your fingertips | Corona Conversations
10:20
10:20
Afspil senere
Afspil senere
Lister
Like
Liked
10:20
The Covid-19 pandemic has forced people to ask some tough questions about their money life. In this episode of the special series of Money with Monika, personal finance expert Monika Halan talks about 6 Money Ratios which give a broad direction in which one should move.Af Mint - HT Smartcast
…
continue reading
1
20: Financial & career toolkit for employees in their 50s
10:58
10:58
Afspil senere
Afspil senere
Lister
Like
Liked
10:58
As firms deal with declining revenues amid COVID-19 pandemic, employees at the senior level after facing salary cuts are now in line for layoffs. In this episode of Money with Monika, personal finance expert Monika Halan explains why employees in their 50s are at serious risk of losing their job and their career at this moment. So, what can they do…
…
continue reading
1
19: Will reporting 11 spends to tax dept catch tax evaders?
9:13
9:13
Afspil senere
Afspil senere
Lister
Like
Liked
9:13
The government wants banks, insurance firms, jewellers and others to report 11 transactions to the income tax department. In a move to catch tax evaders, the government wants disclosure of certain transactions, not by the taxpayer but by the firms they deal with. Will this nudge the unwilling to pay their taxes? In this episode of Money with Monika…
…
continue reading
1
18: What's behind RBI restrictions on current account use?
8:06
8:06
Afspil senere
Afspil senere
Lister
Like
Liked
8:06
The Reserve Bank of India (RBI) put restrictions on who can open current accounts with which bank. Is this move part of a larger plan to stop banking frauds? In this episode, Monika Halan explains how the move will prevent the siphoning off of money. Listen and find out more.Af Mint - HT Smartcast
…
continue reading
1
17: Advisor 'doctor', agent 'chemist'? SEBI settles debate
10:32
10:32
Afspil senere
Afspil senere
Lister
Like
Liked
10:32
The Securities and Exchange Board of India has become the first financial regulator to settle the debate regarding the classification of advisors and agents when it comes to financial instruments. Meanwhile, other regulators like the Insurance Regulatory and Development Authority, and the Reserve Bank of India are still lagging behind. Tune in for …
…
continue reading
1
16: RBI must signal danger: Lessons from Yes Bank AT1 Bonds
9:34
9:34
Afspil senere
Afspil senere
Lister
Like
Liked
9:34
The writing down of Yes Bank's AT1 bonds worth over Rs 8,400 crore in the aftermath of the scandal earlier this year had caused some alarm. But what seems to have heightened investor anxiety is the Reserve Bank of India's stance to complaints filed against the write-off. Join Personal finance expert Monika Halan for more insights.…
…
continue reading
1
15: The cost of bribes is 50% of real estate prices
9:14
9:14
Afspil senere
Afspil senere
Lister
Like
Liked
9:14
Amid the Covid-19 pandemic, commercial real estate prices have begun to fall. But it remains to be seen whether the trend will be replicated in the residential market. What has kept home prices high in India is the entrenched system of bribes - from the initial stage of land-use change, to approvals for the final project. Personal finance expert Mo…
…
continue reading
1
15: How to make tough financial choices
11:21
11:21
Afspil senere
Afspil senere
Lister
Like
Liked
11:21
The Covid-19 pandemic and the consequent economic crisis are forcing everyone to make tough financial choices. Should you switch from a debt fund to a bank deposit? Should you get out of the equity market? Should you choose to pay the instalment of your SIP or EMI? In this edition of Money With Monika, personal finance expert Monika Halan answers t…
…
continue reading
1
14: How can India's GDP get back on track?
10:00
10:00
Afspil senere
Afspil senere
Lister
Like
Liked
10:00
The Covid-19 pandemic has dealt a severe blow to the Indian economy which was already grappling with a deepening slowdown. Now, India's Gross Domestic Product is estimated to contract by around 5% in the current financial year. The economy will have to grow by 11% in order to get back to the FY20 level. While India has done better than many develop…
…
continue reading
From covid-19 pandemic to meteor shower, 2020 has been a year of unprecedented events. In this special series of Money with Monika, personal finance expert Monika Halan explains the process of writing a will and how it can be transformative for you and your family.Af Mint - HT Smartcast
…
continue reading
1
13: 6 health & wealth lessons | The Corona Conversations
11:11
11:11
Afspil senere
Afspil senere
Lister
Like
Liked
11:11
From the realisation that one can always reduce expenditure further, to setting up an adequate emergency fund - personal finance expert Monika Halan shares 6 health and wealth lessons learned during the Covid-induced lockdown. A big lesson for investors has been the recent recovery in the markets after a bloodbath, demonstrating the folly of panic-…
…
continue reading
1
12: Why do Indian investors never get redress
12:28
12:28
Afspil senere
Afspil senere
Lister
Like
Liked
12:28
The retail investors in India lurch from crisis to crisis, made worse by the pandemic. In this episode of Money with Monika, personal finance expert Monika Halan explains why investors in India face similar problems year after year and what can be done about it.Af Mint - HT Smartcast
…
continue reading
1
12: Financial & career toolkit for employees in their 50s | The Corona Conversations
10:52
10:52
Afspil senere
Afspil senere
Lister
Like
Liked
10:52
As firms deal with declining revenues amid COVID-19 pandemic, employees at the senior level after facing salary cuts are now in line for layoffs. In this episode of Money with Monika, personal finance expert Monika Halan explains why employees in their 50s are at serious risk of losing their job and their career at this moment. So, what can they do…
…
continue reading
1
11: Why investors like equity, not debt | Corona Conversations
9:50
9:50
Afspil senere
Afspil senere
Lister
Like
Liked
9:50
Between February and April 2020, equity funds have gained with equity SIPs are still steady. However, debt funds have lost assets sharply. Rather than an eccentric investor, it is the marketplace and the rules of the game that nudge investors into these choices.Af Mint - HT Smartcast
…
continue reading
1
10: Decoding the Centre’s Rs 20 trillion economic package
8:20
8:20
Afspil senere
Afspil senere
Lister
Like
Liked
8:20
What are the takeaways from the Rs 20 trillion package? Who would benefit from the economic relief package announced by the government? In this special series, Mint's personal finance expert Monika Halan decodes the key takeaways of the relief package announced by the Centre in view of the Covid-19 pandemic.…
…
continue reading
1
9: Rethinking rules of real estate amid the COVID crisis
7:14
7:14
Afspil senere
Afspil senere
Lister
Like
Liked
7:14
Why you should rethink real estate amid Covid-19. What should a tenant, landlord, and investor do? In this special series, personal finance expert Monika Halan explains strategies around the real estate during the Covid-19 pandemic.Af Mint - HT Smartcast
…
continue reading
1
7: What are the kinds of risks in liquid funds?
8:41
8:41
Afspil senere
Afspil senere
Lister
Like
Liked
8:41
What is a liquid fund? What are the kinds of risks in liquid funds? In this episode of Money with Monika, personal finance expert Monika Halan addresses important questions on liquid funds amid the crisis in debt funds triggered by the Covid-19 pandemic. Listen to the full episode for Monika Halan's advice.…
…
continue reading
1
11: How to plan your retirement with mutual funds
10:47
10:47
Afspil senere
Afspil senere
Lister
Like
Liked
10:47
Personal finance expert Monika Halan delves into the merits of starting your retirement planning early and what role mutual funds in doing so. “Invest small, yet consistently, every month to build your retirement corpus,” she says, adding that a “managed fund is a great way to start and is much better than a clunky real estate investment.”…
…
continue reading
1
6: What does RBI cash window for mutual funds mean?
10:01
10:01
Afspil senere
Afspil senere
Lister
Like
Liked
10:01
With Franklin Templeton winding up six credit funds for want of liquidity, the Reserve Bank of India has announced a special cash window for mutual funds to prevent a 'contagious effect'. What is this special scheme, and how will it help mutual funds? Listen as personal finance expert Monika Halan explain the motivation behind RBI's move and its li…
…
continue reading
1
5: Why did Franklin Templeton kill 6 of its debt funds?
9:32
9:32
Afspil senere
Afspil senere
Lister
Like
Liked
9:32
Franklin Templeton India announced winding up of six of its debt fund schemes. How exactly does this affect the investors? Personal finance expert @monikahalan explains why Franklin Templeton took the step and what can be done now.Af Mint - HT Smartcast
…
continue reading
1
4: Why oil dropped below zero: COVID-19, geopolitics & your wallet
7:30
7:30
Afspil senere
Afspil senere
Lister
Like
Liked
7:30
The COVID-19 pandemic recently delivered a fresh shock to the economic system even as the world has been brought to a grinding halt. Crude oil futures collapsed below zero for the first time ever with demand plunging and experts predicting the worst recession in decades. But what exactly caused this historic event? Is the Coronavirus the sole culpr…
…
continue reading
1
3: RBI reduced reverse repo rate, what does it mean?
7:15
7:15
Afspil senere
Afspil senere
Lister
Like
Liked
7:15
The Reserve Bank of India on April 17 announced a reduction in the reverse repo rate by 25 basis points. What does it mean and why is it important now? In this episode of Money with Monika, personal finance expert Monika Halan talks about RBI giving Rs 50,000 crore through TLTRO.20 to banks to lend to NBFCs and MFIs.…
…
continue reading
1
2: What if you don't have an emergency fund today
6:32
6:32
Afspil senere
Afspil senere
Lister
Like
Liked
6:32
What is an emergency fund? How much money does one need? Where do you put it? In this episode of Money with Monika, personal finance expert Monika Halan addresses important questions and fears over money amid lockdown triggered by COVID-19 pandemic. Listen to the full episode for Monika Halan's advice.…
…
continue reading
1
1: Is it a good time to invest in equity amid COVID-19 pandemic
7:26
7:26
Afspil senere
Afspil senere
Lister
Like
Liked
7:26
As the world continues to grapple with COVID-19, is it a good time to invest in equity? In this episode of Money with Monika, personal finance expert Monika Halan talks about a checklist of 7 things one must consider before investing in equity. Listen to the full episode for Monika Halan's advice.Af Mint - HT Smartcast
…
continue reading
1
10: Using mutual funds to meet financial goals
10:27
10:27
Afspil senere
Afspil senere
Lister
Like
Liked
10:27
In this episode of 'Money with Monika', personal finance expert Monika Halan explains how mutual fund investments can be tailored to meet various financial goals—be it buying a car in a couple of years, planning a wedding in five years, or even retirement. “While a low-risk product is advisable for short-term financial goals, have a sizeable risk a…
…
continue reading
1
9: Asset allocation for mutual funds | Asset classes | Real estate
10:26
10:26
Afspil senere
Afspil senere
Lister
Like
Liked
10:26
Personal finance expert Monika Halan explains the importance of asset allocation in this episode of the weekly show. “Equity, debt, cash, gold and real estate are all asset classes. Each comes with its own attribute. Each asset class has a specific role in your portfolio,” points out Monika HalanAf Mint - HT Smartcast
…
continue reading
1
8: Understanding mutual fund investment options | Systemic Investment Plan | Systemic Transfer Plan
9:52
9:52
Afspil senere
Afspil senere
Lister
Like
Liked
9:52
Personal finance expert Monika Halan explains the various options through which you can invest in mutual funds. She explains the difference between a Systemic Investment Plan (SIP), a Systemic Transfer Plan (STP) and a lump sum investment. “Depending on the intent behind the investment, you will choose the options of growth vs. dividend,” she adds.…
…
continue reading
1
7: Risks vs. returns in mutual funds | Risks versus returns | Mutual fund investments
10:32
10:32
Afspil senere
Afspil senere
Lister
Like
Liked
10:32
Personal finance expert Monika Halan answers all your queries related to risks versus returns on mutual fund investments in this episode of Money With Monika. “Don’t invest in mutual funds if you are nervous about your short term emergency needs,” she advises.Af Mint - HT Smartcast
…
continue reading
1
6: How to choose the right mutual fund | equity | debt funds
10:10
10:10
Afspil senere
Afspil senere
Lister
Like
Liked
10:10
"The longer your time horizon, the more equity you can put in your mutual fund portfolio and the shorter your time horizon, the more debt funds you should have," says personal finance expert Monika Halan in this episode of Money With Monika. "Af Mint - HT Smartcast
…
continue reading
1
5: A guide to mutual fund SIPs | Market risks | Mutual funds
9:35
9:35
Afspil senere
Afspil senere
Lister
Like
Liked
9:35
“A systematic investment plan, or SIP, is only a route to a mutual fund,” says personal finance expert Monika Halan. To understand how it differs from MF and how choosing a SIP over lump sum investment reduces market risks, Listen to this episode.Af Mint - HT Smartcast
…
continue reading
1
How to deal with Coronavirus-induced bloodbath in markets | Global slowdown | Coronavirus pandemic
12:37
12:37
Afspil senere
Afspil senere
Lister
Like
Liked
12:37
While dealing with the ongoing global slowdown and trade skirmishes, financial markets have been dealt a fresh blow due to the Coronavirus pandemic. As indices remain in the red, with an uncertain outlook, what should your strategy be regarding your investments? Listen to the full episode for personal finance expert Monika Halan's advice. Monika Ha…
…
continue reading
1
4: When’s the right time to invest in Mutual Funds | Long term compounding
10:37
10:37
Afspil senere
Afspil senere
Lister
Like
Liked
10:37
“There is no perfect moment to start investing. Just start,” says personal finance expert Monika Halan in this episode of Money With Monika. “It takes very little to start investing as much as just ₹500/month in a mutual fund SIP,” adds Monika. She explains to viewers why investing early will allow them to reap the benefits of compounding over the …
…
continue reading
1
3: How debt mutual funds work | Debt mutual funds | Shorter-term goals
10:23
10:23
Afspil senere
Afspil senere
Lister
Like
Liked
10:23
In this episode of Money With Monika, personal finance expert Monika Halan delves into the importance of having debt mutual funds in your investment portfolio. Debt funds are flexible, she says, and are good for various shorter-term goals but can be difficult to understand. ‘You can choose to invest in a conservative balanced fund if you want the s…
…
continue reading
1
2: Mutual funds versus direct stocks | Direct stock investments | Mutual funds
9:35
9:35
Afspil senere
Afspil senere
Lister
Like
Liked
9:35
In this episode of Money With Monika, personal finance expert Monika Halan talks about the benefits of choosing a mutual fund over direct stock investments. Investing in mutual funds is far safer than putting all your money in one stock, she says, as the chances of failure of an entire basket of stocks are next to none. In short, hedge your bets fo…
…
continue reading
1
1: Mutual funds guide for beginners | Investment portfolio | Financial planning
14:31
14:31
Afspil senere
Afspil senere
Lister
Like
Liked
14:31
Why mutual funds? That's the question personal finance expert Monika Halan, consulting editor of Mint and author of 'Lets Talk Money', answers in this episode of 'Money with Monika'. Mutual fund investments do come with risks, she says, but it's a gamble worth making for a diverse, and more lucrative, investment portfolio—be it for a seasoned inves…
…
continue reading
1
6: How to raise financially savvy kids | Train your child | Financial prudence
8:13
8:13
Afspil senere
Afspil senere
Lister
Like
Liked
8:13
Monika Halan offers tips and tricks to raise financially savvy kids. Should you and your spouse discuss your next big purchase in front of your child? Monika suggests having informed discussions this way will subconsciously train your child in financial prudence.Af Mint - HT Smartcast
…
continue reading
1
5: How to spot dubious investment plans | Lucrative investment plan | Schemes
8:47
8:47
Afspil senere
Afspil senere
Lister
Like
Liked
8:47
Personal finance expert Monika Halan tells you if schemes that sound too good to be true are actually good or just plain dubious. Halan also tells you the four questions you must ask before you opt for a lucrative investment plan.Af Mint - HT Smartcast
…
continue reading
1
4: Why life insurance is not an investment option | Term plan | Bundled plan
7:40
7:40
Afspil senere
Afspil senere
Lister
Like
Liked
7:40
Personal finance expert Monika Halan decodes the utility of life insurance as an investment product. She says that it is crucial to analyse returns on life insurance as tax breaks are available on other investment products too. She also differentiates between the utility of a term plan versus a bundled plan.…
…
continue reading
1
3: How to calculate returns from your realty investment | Real estate | Stock market
7:44
7:44
Afspil senere
Afspil senere
Lister
Like
Liked
7:44
Money with Monika - Season 1 is a weekly personal finance show that answers your queries on all investment matters. In Episode 3, personal finance expert Monika Halan discusses the returns from investments in real estate versus the stock market. She says that people must weigh their realty investments against both regular returns and profits. She f…
…
continue reading
1
2: Should you invest in gold or buy stocks? | Returns from investments | Gold investments
7:26
7:26
Afspil senere
Afspil senere
Lister
Like
Liked
7:26
Personal finance show that answers your queries on all investment matters. In Episode 2, personal finance expert Monika Halan discusses the returns from investments in gold versus the stock market. She explains how gold investments are crucial to diversify your portfolio, but over-investing in gold may not be the smart option in the long run.…
…
continue reading
1
1: Why you should take market volatility in your stride | Equity investments | Investing in fixed deposits
6:17
6:17
Afspil senere
Afspil senere
Lister
Like
Liked
6:17
Personal finance expert Monika Halan discusses ways to manage your investments in a volatile stock market. She also discusses the benefits of equity investments versus investing in fixed deposits or PPFs. Monika Halan, Consulting Editor of Mint, and author of Let’s Talk Money takes you through the various avenues of savings open to individual - dep…
…
continue reading