Money with Monika
73 episodes - English - Latest episode: over 3 years ago -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.
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Episodes
26: How to avoid behavioural biases while investing
November 19, 2020 07:42 - 9 minutes - 8.84 MBWhile 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 common biases include loss aversion bias, personalization bias and herd mentality. Tune in to this episode of Money With Monika Season 3 to understa...
26: How to avoid behavioural biases while investing
November 19, 2020 07:42 - 10 minutesWhile 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 common biases include loss aversion bias, personalization bias and herd mentality. Tune in to this episode of Money With Monika Season 3 to understan...
12: Funds that trade like stocks: Are ETFs right for you?
November 12, 2020 06:34 - 9 minutes - 9.11 MBFrom 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't actively choose the constituent stocks. Although ETFs are traditionally cheaper than their non-listed counterparts, retail participation in thi...
25: Value, Growth, GARP: How to choose investment style?
November 05, 2020 09:26 - 9 minutes - 8.34 MBWarren 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, subscribe to 'growth' investing. Under this strategy, investors pick fast-growing stocks, even if the price is on the higher side. The markets pro...
10: Aggressive to Conservative: Picking right hybrid fund
October 29, 2020 11:00 - 10 minutes - 9.77 MBHybrid 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 added benefit of a fund manager ensuring that your debt-equity ratio is maintained without your active involvement. So, with various types of such fu...
24: What are midcap funds, when & how to invest in them
October 22, 2020 06:30 - 9 minutes - 9.07 MBThere'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 expand your portfolio, or are individual stocks the way to go?
24: Rough patch for debt funds; how to invest now
October 15, 2020 06:30 - 10 minutes - 9.96 MBInvestor 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 with investing in a financial product which can bolster your portfolio? Tune in and find out
22: Asset allocation & checking your MFs' performance
October 08, 2020 06:30 - 10 minutes - 9.94 MBEven 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 the performance of your fund.
23: India's best health insurance plans | Corona Conversations
October 01, 2020 06:30 - 16 minutes - 15.2 MBThe 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 Bhaskaran. The discussion is based on the 8th edition of the Mint SecureNow Mediclaim Ratings. Monika Halan is a consulting editor, Mint, and author of ...
23: Why should you stop buying bundled life insurance plans
September 24, 2020 12:55 - 12 minutes - 11.2 MBSmart 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 bundled life insurance plans in India and how it destroys one’s savings. Monika Halan is a consulting editor, Mint, and author of the book, Let's Talk...
21: 6 Money Ratios for your fingertips | Corona Conversations
September 17, 2020 13:20 - 10 minutes - 9.47 MBThe 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.
20: Financial & career toolkit for employees in their 50s
September 09, 2020 19:30 - 10 minutes - 10 MBAs 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 about it?
19: Will reporting 11 spends to tax dept catch tax evaders?
August 31, 2020 03:46 - 9 minutes - 8.43 MBThe 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, personal finance expert Monika Halan explains how the new notification works.
18: What's behind RBI restrictions on current account use?
August 14, 2020 06:30 - 8 minutes - 7.42 MBThe 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.
17: Advisor 'doctor', agent 'chemist'? SEBI settles debate
August 07, 2020 14:22 - 10 minutes - 9.63 MBThe 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 more.
16: RBI must signal danger: Lessons from Yes Bank AT1 Bonds
July 31, 2020 15:51 - 9 minutes - 8.76 MBThe 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.
15: The cost of bribes is 50% of real estate prices
July 24, 2020 14:38 - 9 minutes - 8.46 MBAmid 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 Monika Halan explains how elimination of corruption from the sector can lead to a drastic fall in prices, and until that happens, what you should co...
15: How to make tough financial choices
July 14, 2020 10:33 - 11 minutes - 10.4 MBThe 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 these, and other tough questions that you are facing already, or are likely to in the near future.
14: How can India's GDP get back on track?
July 03, 2020 10:07 - 10 minutes - 9.15 MBThe 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 developed countries in the services sector, our manufacturing potential is yet to be adequately utilized. This is one avenue that can help India not just...
14: How can India's GDP get back on track?
July 03, 2020 10:07 - 10 minutesThe 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 developed countries in the services sector, our manufacturing potential is yet to be adequately utilized. This is one avenue that can help India not just ...
14: How to write a will
June 26, 2020 14:03 - 7 minutes - 6.49 MBFrom 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.
13: 6 health & wealth lessons | The Corona Conversations
June 19, 2020 12:29 - 11 minutes - 10.2 MBFrom 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-stricken selling of equity investments.
12: Why do Indian investors never get redress
June 12, 2020 09:41 - 12 minutes - 11.4 MBThe 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.
12: Financial & career toolkit for employees in their 50s | The Corona Conversations
June 05, 2020 16:42 - 10 minutes - 9.95 MBAs 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 about it?
11: Why investors like equity, not debt | Corona Conversations
May 29, 2020 11:30 - 10 minutesBetween 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.
11: Why investors like equity, not debt | Corona Conversations
May 29, 2020 11:30 - 9 minutes - 9.01 MBBetween 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.
10: Decoding the Centre’s Rs 20 trillion economic package
May 27, 2020 13:25 - 8 minutes - 7.63 MBWhat 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.
9: Rethinking rules of real estate amid the COVID crisis
May 22, 2020 12:43 - 7 minutes - 6.63 MBWhy 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.
7: What are the kinds of risks in liquid funds?
May 18, 2020 09:55 - 8 minutes - 7.95 MBWhat 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.
11: How to plan your retirement with mutual funds
May 05, 2020 02:25 - 10 minutes - 9.87 MBPersonal 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.”
6: What does RBI cash window for mutual funds mean?
May 01, 2020 12:09 - 10 minutes - 9.17 MBWith 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 likely impact.
5: Why did Franklin Templeton kill 6 of its debt funds?
April 28, 2020 12:22 - 9 minutes - 8.73 MBFranklin 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.
4: Why oil dropped below zero: COVID-19, geopolitics & your wallet
April 23, 2020 11:47 - 7 minutes - 6.86 MBThe 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 culprit, or are there other factors at play? And most importantly, what does this mean for you and your wallet?
3: RBI reduced reverse repo rate, what does it mean?
April 23, 2020 11:45 - 7 minutes - 6.64 MBThe 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.
2: What if you don't have an emergency fund today
April 23, 2020 11:43 - 6 minutes - 5.98 MBWhat 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.
1: Is it a good time to invest in equity amid COVID-19 pandemic
April 23, 2020 11:41 - 7 minutes - 6.81 MBAs 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.
10: Using mutual funds to meet financial goals
April 23, 2020 11:38 - 10 minutes - 9.57 MBIn 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 appetite when planning for the longer term,” she says
9: Asset allocation for mutual funds
April 20, 2020 12:13 - 9 minutes - 8.63 MBPersonal 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 Halan
9: Asset allocation for mutual funds | Asset classes | Real estate
April 20, 2020 12:13 - 10 minutes - 9.56 MBPersonal 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 Halan
8: Understanding mutual fund investment options
April 17, 2020 06:33 - 8 minutes - 8.11 MBPersonal 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.
8: Understanding mutual fund investment options | Systemic Investment Plan | Systemic Transfer Plan
April 17, 2020 06:33 - 9 minutes - 9.04 MBPersonal 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.
8: Understanding mutual fund investment options | Systemic Investment Plan | Systemic Transfer Plan
April 17, 2020 06:33 - 10 minutesPersonal 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.
7: Risks vs. returns in mutual funds
April 17, 2020 06:31 - 9 minutes - 8.71 MBPersonal 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.
7: Risks vs. returns in mutual funds | Risks versus returns | Mutual fund investments
April 17, 2020 06:31 - 10 minutes - 9.64 MBPersonal 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.
6: How to choose the right mutual fund | equity | debt funds
April 10, 2020 09:36 - 10 minutes - 9.31 MB"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. "
6: How to choose the right mutual fund
April 10, 2020 09:36 - 9 minutes - 8.38 MB"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. "
6: How to choose the right mutual fund | equity | debt funds
April 10, 2020 09:36 - 10 minutes"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. "
5: A guide to mutual fund SIPs | Market risks | Mutual funds
April 09, 2020 15:03 - 9 minutes - 8.77 MB“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.
5: A guide to mutual fund SIPs
April 09, 2020 15:03 - 8 minutes - 7.84 MB“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.
How to deal with Coronavirus-induced bloodbath in markets | Global slowdown | Coronavirus pandemic
April 03, 2020 12:09 - 12 minutes - 11.6 MBWhile 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 Halan is consulting editor, Mint, and author of the book 'Let's Talk Money'.