Why Not Mint Money

Don’t borrow to invest in tax-saving avenues

March 12, 2021 10:24 - 3 minutes - 3.56 MB

The amount of saving that is possible may look attractive. But it’s not feasible if you look at the implications of borrowing.

Know how you can reduce investment risk on your portfolio

March 12, 2021 10:23 - 5 minutes - 4.75 MB

Tune in to learn great strategies to help reduce investment risk on your portfolio.

All you need to know about the taxation of gold bonds

March 12, 2021 10:22 - 4 minutes - 4.38 MB

We explain how capital gains and interest income from sovereign gold bonds are taxed. Tune in!

Buffett's nuggets of wisdom from latest letter to shareholders

March 12, 2021 10:21 - 3 minutes - 3.48 MB

If investors are patient, they can make money from productive assets such as real estate and stocks.

Debt Mutual Funds

March 12, 2021 10:20 - 5 minutes - 4.8 MB

Rising interest rates are hitting returns of debt mutual funds in India. Mint explores some solutions to this growing problem. Read here: https://www.livemint.com/mutual-fund/mf-news/how-investors-in-debt-mfs-can-navigate-a-rising-yield-scenario-11614100091604.html

241: You are required to visit your bank locker in a prescribed time limit. Know why

February 26, 2021 09:41 - 4 minutes - 4.23 MB

We explain the regulations around the opening of bank lockers by the bank in case the locker holder doesn't visit the bank for a long time.

240: 5 things to know before taking a gold loan

February 24, 2021 10:51 - 5 minutes - 5.27 MB

Lenders don't accept all forms of gold. Also, banks and NBFCs follow different processes. In this episode, Mint's Renu Yadav will tell you 5 things to know before taking a gold loan.

239: Floating rate funds

February 22, 2021 11:49 - 5 minutes - 4.8 MB

The interest rate cycle looks like it is about to turn, but floating rate funds may not be the answer for debt mutual fund investors. Mint explains.

238: All you need to know about the new TDS rules

February 19, 2021 08:20 - 4 minutes - 4.3 MB

The government has proposed new TDS to penalise those who don't file an income tax return even if they are eligible to. We explain what this new rule is.

237: Simple trick to limit your spending

February 17, 2021 08:27 - 4 minutes - 4.41 MB

In this episode of Why Not Mint Money, Renu Yadav will tell you a simple trick to limit your card spending.

236: Five possible ways to improve your credit card score

February 15, 2021 08:39 - 5 minutes - 4.78 MB

Your credit score is one of the most important measures of your financial health. The better your score, the easier you will find it to be approved for new loans or lines of credit. Tune in to learn 5 great ways you can use to increase your credit score.

235: Know how to evaluate REITS before investing

February 12, 2021 08:43 - 4 minutes - 4.32 MB

The recent IPO of Brookfiled REITs has received good response from investors. Let's understand what are the aspects you should look at before investing in REITS.

234: Budget 2020: Tax on Ulips create confusion

February 10, 2021 08:53 - 4 minutes - 4.25 MB

Insurers want to know the taxation when a customer switches between debt and equity fund. In this episode, Renu Yadav will talk about the complications in taxing Ulips.

233: What the crypto bill may mean for Indian investors

February 09, 2021 08:49 - 4 minutes - 4.55 MB

Lured by the break-neck rally in cryptocurrencies, and especially in bitcoin, many new investors have put their money into digital assets over the past few months. At present, over eight million investors in India own cryptocurrencies. But a recent bill listed by the government may seek to ban all private cryptocurrencies, putting investments worth over $1 billion at risk.

233: What the crypto bill may mean for Indian investors

February 09, 2021 08:49 - 5 minutes

Lured by the break-neck rally in cryptocurrencies, and especially in bitcoin, many new investors have put their money into digital assets over the past few months. At present, over eight million investors in India own cryptocurrencies. But a recent bill listed by the government may seek to ban all private cryptocurrencies, putting investments worth over $1 billion at risk.

232: Depositors in stressed banks to get access to their money faster

February 05, 2021 08:17 - 4 minutes - 3.76 MB

The government plans to make funds available faster if the Reserve Bank of India puts a bank under operational restrictions.

231: Ulips & Provident Fund

February 03, 2021 08:45 - 5 minutes - 4.68 MB

Budget 2021 proposes to pay tax on high premium Ulips, interest from big Provident Fund contribution.

230: Know what to do if your portfolio underperforms the market

January 29, 2021 07:06 - 5 minutes - 4.58 MB

We explain what could be the reason for the underperformance of a portfolio and what a person should do.

229: How to make a financial plan and stick to it

January 27, 2021 10:31 - 5 minutes - 4.82 MB

It can help you be on track and lays down the roadmap for you to achieve your goals. In this episode, Renu Yadav will tell you how to make a financial plan and stick to it.

228: Too many mutual funds

January 25, 2021 08:46 - 4 minutes - 3.95 MB

There are several pitfalls of accumulating too many mutual funds. We explain them in this podcast, in the backdrop of a survey by Kuvera which shows on average their investors have as many as 9 mutual funds in each portfolio.

227: Know why EPF corpus may not be enough for your retirement

January 22, 2021 09:53 - 5 minutes - 5.37 MB

We explain why you should not rely just on EPF for your retirement savings and why it is important to add equity to your portfolio.

226: Why interest rates on credit cards are high?

January 20, 2021 07:20 - 4 minutes - 4.49 MB

For issuers, it's a risky product. Around 30% of users rotate their outstanding credit.

225: Why Saral Jeevan Bima may still work despite being costlier than existing term plans

January 18, 2021 12:10 - 3 minutes - 3.65 MB

Edelweiss Tokio Life Insurance has become the first insurer in India to launch a standard term insurance plan called Saral Jeevan Bima. A sum assured of Rs 25 lakh under this plan to a 30-year-old will cost Rs 727 per month. Compared with this, the company’s existing term insurance plan costs around Rs 390 per month for similar coverage. We will look at why India's first Saral Jeevan Bima costs twice as much as a regular term plan and how it may still work for many individuals.

224: Things to keep in mind while doing last minute tax planning

January 15, 2021 10:40 - 5 minutes - 4.71 MB

In this episode, we will talk about the various aspects one should keep in mind while planning the taxes in the last few months.

223: Things to keep in mind while doing last minute tax planning

January 15, 2021 10:26 - 6 minutes

In this episode, we will talk about the various aspects one should keep in mind while planning the taxes in the last few months. Tune in to this episode as Renu Yadav will brief you about the things you should know before planning the taxes. (https://audioboom.com/posts/7765590-things-to-know-before-shifting-savings-a-c-to-new-bank/edit)

222: Five ways to improve your credit score

January 13, 2021 11:00 - 5 minutes - 5.05 MB

Better credit score means higher chances of getting a loan at lower interest rates. In this episode, Renu Yadav from Why Not Mint Money team will tell you five ways to improve your credit score.

221: Explaining Bitcoin

January 11, 2021 08:22 - 5 minutes - 5.16 MB

Mint looks at the roughly 5 fold jump in the Bitcoin price in the past year explaining what the cryptocurrency is, whether it is legal and how investors can look at it.

220: Are the additional benefits with FDs truly beneficial?

January 08, 2021 07:30 - 4 minutes - 4.12 MB

Don’t rely on insurance benefits that come with FDs to fulfil your insurance requirements. Banks are offering FDs with additional benefits like health insurance to attract depositors. We explain the features, limitations of these benefits and if one should go for them.

219: Things to know before shifting savings a/c to new bank

January 06, 2021 10:57 - 5 minutes - 5.43 MB

Shifting a bank account is not easy if you are repaying loans and making investments through it. Tune in to this episode as Renu Yadav will tell you things you should know before shifting savings a/c to new bank.

218: Signs to detect you are falling in a debt trap

January 04, 2021 11:13 - 4 minutes - 3.96 MB

If you are a regular user of credit card then you must keep these five important warning signs in mind that can take you in a serious debt trap.

217: Two lessons for mutual fund investors from 2020

January 01, 2021 06:45 - 4 minutes - 4.06 MB

Two lessons for mutual fund investors from 2020. The wild gyrations of the stock market and the shock freezing of 6 Franklin Templeton debt schemes bring home two lessons for MF investors. Mint explains.

216: Are guaranteed returns plans better than fixed deposits?

December 30, 2020 07:34 - 5 minutes - 4.63 MB

At present, their long-term post-tax return is better than FDs, especially for those in higher tax brackets.

215: What to expect from the insurance sector in 2021?

December 28, 2020 12:10 - 4 minutes - 3.99 MB

2020, was the year when insurance policy finally become a must-have product against a nice-to-have product earlier. The covid-19 pandemic made individuals take note of the importance and need for health insurance. In this episode, Abhinav Kaul from Mint’s personal finance team will look at the key consumer-centric developments that happened in the insurance sector in 2020 and what to expect next year.

214: Ways to deal with unruly recovery agents

December 23, 2020 14:03 - 5 minutes - 4.81 MB

Recently, a 28-year-old software engineer committed suicide. He was abused and insulted by recovery agents. He couldn’t deal with it and took his life. In this episode of Why Not Mint Money we will tell you how you should deal with such recovery agents.

213: Insurance premium delayed?

December 21, 2020 15:42 - 3 minutes - 3.55 MB

In today's 'Why not Mint Money' podcast we talk about what really happens in case if you fail to pay your life insurance policy premium on time and what options you have to get your lapsed policy restored.

212: Can you claim an additional tax deduction on home loan interest payment?

December 18, 2020 07:41 - 4 minutes - 4.35 MB

In this episode we will explain about the various conditions under which a person can claim an additional tax deduction of Rs Rs 1.5 lakh.

211: How deposit insurance works when a bank fails

December 16, 2020 09:49 - 6 minutes - 5.86 MB

When a bank fails, the Deposit Insurance and Credit Guarantee Corporation compensates depositors up to Rs 5 lakh. Here’s how the process works.

210: HNIs switch to bonds, REITs to deal with interest rate squeeze

December 14, 2020 10:19 - 4 minutes - 4.09 MB

How Indian HNIs are dealing with the interest rate squeeze. Mint explains 3 investments that are gaining popularity among India's wealthy to generate returns in a low-interest-rate environment. Read the article here: https://www.livemint.com/money/personal-finance/hnis-switch-to-bonds-reits-to-deal-with-interest-rate-squeeze-11607356421402.html

209: CLSS subsidy delayed? Know the reasons and way out

December 11, 2020 09:23 - 5 minutes - 5.35 MB

Many homebuyers have complained on social media platforms about the delay in receiving the credit-linked subsidy under Pradhan Mantri Awas Yojana. In this episode, we will talk about the process of claiming subsidy, the probable reasons of delay and the way forward.

208: Quant mutual funds are meant for savvy investors

December 09, 2020 13:13 - 4 minutes - 4.57 MB

Invest in a quant fund if you understand their stock-picking model.

207: Explaining NFOs

December 07, 2020 10:01 - 4 minutes - 4.5 MB

Mutual Fund houses have lately been on an NFO launching spree. We explain what NFOs are and when they might make sense for you.

206: Products that can deliver better than FD returns for short-term

December 04, 2020 08:38 - 6 minutes - 5.71 MB

With interest rates from Bank FDs at multi-year low, investors are looking for alternatives which can deliver better than FD returns. In today’s episode, we will discuss the investment options for parking money for a period of 1- 3years.

205: All you need to know about proposed Model Tenancy law

December 02, 2020 06:03 - 5 minutes - 4.85 MB

The urban affairs secretary Durga Shanker Mishra recently said that the government would soon come out with The Model Tenancy Act. The government released the draft guidelines of the act in July 2019. In this episode we will talk about the key features of the act.

204: IDFC MF fumbles, asks for rollover for Opportunity Fund

November 30, 2020 08:34 - 3 minutes - 3.59 MB

Even as indices make all-time highs, IDFC Equity Opportunity Series 4, a close-ended equity fund launched in 2017 has delivered a return of -30% compared to 20% given by its benchmark. We draw two lessons from this episode for mutual fund investors. For more click the link mentioned below: https://www.livemint.com/money/personal-finance/idfc-mf-fumbles-asks-for-rollover-for-opportunity-fund-11606409435565.html

Why Not Mint Money

Episodes