Why Not Mint Money
852 episodes - English - Latest episode: about 12 hours ago -Discover the Why Not Mint Money podcast for financial success. From savvy money-making strategies to expert tips on maximizing your savings, we've got you covered. Join us on this journey to unlock your financial potential.
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Episodes
201: What Navneet Munot should do at HDFC Mutual Fund
November 23, 2020 10:50 - 4 minutes - 4.56 MBA hard-hitting column by Vidya Bala of Prime Investor gives a series of prescriptions for the new CEO of India's second-largest AMC. These include a shift towards passive funds and less reliance on personalities. Investors should take note.
200: Know how to choose a tax portal to file income tax return
November 20, 2020 10:07 - 5 minutes - 4.71 MBThe income tax return filing season has begun and many of you would be planning to file your return soon. In this episode, we will explain about the services offered by tax portals and how one should choose one for filing income tax return.
199: Is your money safe with Lakshmi Vilas Bank?
November 18, 2020 08:24 - 4 minutes - 4.56 MBDepositors can only withdraw up to Rs 25,000 from the bank for now. However, RBI is in the process of merging LVB with DBS Bank India, and it would soon be business as usual.
198: Government announced tax relief for homebuyers. All you need to know
November 13, 2020 07:28 - 5 minutes - 5.13 MBThe government has provided a tax incentive to homebuyers as well as developers in order to boost sales in the real estate sector. In today’s episode we will explain how homebuyers will benefit from this announcement.
197: You may not get home loan interest rates spotted in ads
November 11, 2020 08:16 - 5 minutes - 5.21 MBInterest rates depend on a variety of factors including the borrower’s gender, credit score and the loan amount.
196: The Flexicap Podcast
November 09, 2020 05:42 - 5 minutes - 5.12 MBSebi has introduced a new mutual fund category called Flexi-cap. Many existing multi-cap funds are likely to migrate to this category. We decode this category and explain why it's been created.
195: Know the tax rules before lending to or borrowing from friends and relatives
November 06, 2020 08:12 - 4 minutes - 4.38 MBOften people take financial help from friends and relatives in crisis. In today’s episode, we talk about the tax regulations that people should know about when borrowing from or lending to relatives and friends.
194: Don’t fall for the agent’s pitch on annuity plans
November 04, 2020 12:17 - 8 minutes - 7.33 MBWhen should a retiree look at annuities and when should they avoid it. We tell you in this episode. Tune in!
193: Inflation and debt funds
November 02, 2020 08:30 - 5 minutes - 5.48 MBInflation poses a growing problem for debt mutual fund investors. RBI rate cuts and liquidity easing have reduced yields in the debt market affecting the ability of debt funds to generate inflation-beating returns. We explain what's happening and what possible solutions are out there.
192: Choosing the best way of investing in gold digitally
October 30, 2020 07:19 - 5 minutes - 5.28 MBGold is the best performing asset class of 2020 with a return of around 30% this year so far. In today's episode, we will talk about the different option of investing in gold digitally and how one should choose the right one.
191: How to deal with recovery agents
October 28, 2020 15:53 - 5 minutes - 5.38 MBWhile it’s common for recovery agents to threaten or abuse defaulter, by law, they cannot do that. RBI has clearly laid down what recovery agents can and cannot do. Tune in to know more.
190: Franklin Templeton case
October 26, 2020 06:52 - 6 minutes - 5.58 MBOn 24th October, the Karnataka High Court ruled on the Franklin Templeton case, stating that consent of unit holders is required for winding up of mutual fund schemes. We explain what this means for mutual fund investors.
189: Should you prepay your home loan or invest?
October 23, 2020 05:05 - 4 minutes - 4.44 MBHome loan borrowers often face a dilemma that whether they should prepay their home loan partly or invest the money. In this episode, we will talk about the situations where making prepayment is better than investing.
188: Should you buy simple term plan by insurance regulator?
October 22, 2020 03:58 - 6 minutes - 5.77 MBIRDAI wants insurers to launch a term plan with the same terms and conditions, benefits, and features. Will it make buying a life insurance policy less complicated?
187: The market concentration problem and how you can deal with it
October 19, 2020 07:50 - 4 minutes - 4.24 MBStock Market Indices in India are growing more and more concentrated, with a few companies occupying large weights in them. This can act as a drag on the performance of actively managed mutual funds who cannot invest more than 10% of their portfolios in a single stock. Whether or not the regulator acts to deal with this issue, you as an investor have a solution. We explain in this episode.
186: Who should go for LTC cash voucher scheme?
October 16, 2020 12:36 - 4 minutes - 3.85 MBThe government has announced an LTC cash voucher scheme which gives employees the opportunity to claim tax-free LTC by showing bills of goods and services purchased. However, there are certain conditions attached to the scheme. We decode the scheme and explain who should go for it.
185: Choosing health insurance could become easier.
October 14, 2020 07:50 - 4 minutes - 3.94 MBInsurance regulator plans health insurance plans to have color codes that will convey the complexity of the plan to buyers.
184: Mutual fund dividends pay back your investment as taxable income
October 12, 2020 07:07 - 4 minutes - 3.84 MBMarket regulator Sebi has asked fund houses to rename dividends as income distribution cum capital withdrawal to spell out this reality. We explain why this matters and how dividend plans of mutual funds suffer from serious drawbacks.
183: Rebuild the savings you lost to covid-19
October 09, 2020 08:18 - 6 minutes - 5.9 MBThe pandemic forced many to dip into their long-term savings to keep their households running. This has resulted in their savings being depleted, which can compromise their financial goals. We tell you how to rebuild what has been lost
182: Common queries of homebuyers answered
October 07, 2020 06:42 - 5 minutes - 4.91 MBA house is generally one of the biggest purchases of a person’s life. There are multiple factors that one has to consider while making the decision including, the price of the property, the EMI to be paid, the city or location, infrastructure facilities, expected price rise, etc., as the decision will have long-term implications. In the wake of the COVID-19 pandemic, it has become all the more important for homebuyers to assess these factors. We try to answer few of these common queries.
181: Things to check before you buy a house in a bank auction
October 05, 2020 07:53 - 7 minutes - 6.51 MBProperties offer at bank auctions are not risk-free. Here are some checks that a buyer needs to do before bidding on them. Tune in with Dinesh Bhasin to know more.
180: What to expect if your lending app gets banned
September 30, 2020 10:16 - 5 minutes - 5.26 MBChinese lending apps have come under government scrutiny for possible data and privacy breaches and could join the list of banned apps. We tell you what to expect if you have an outstanding loan with such a lending app and it ceases operation in India.
179: 4 Sebi ideas that can make your debt funds safer
September 28, 2020 08:58 - 5 minutes - 4.91 MBSebi has advanced 4 proposals in order to make debt mutual funds safer and more liquid. These potential policies seek to make borrowing and selling bonds easier for debt funds, increase cash holdings in funds, and impose costs on large investors. We explain what they are, why they are needed, and what pitfalls they have.
178: Things to keep in mind to avoid health insurance claim rejection.
September 25, 2020 07:49 - 5 minutes - 5.05 MBDespite the fact the awareness around health insurance is rising, concerns remain with regards to the rise in claim rejections. While some of these claims may still be in process, the gap is quite wide. Here is a guide for you to avoid claim rejections. Join Renu Yadav in today's Why Not Mint Money.
177: Things you should keep in mind if you’re planning to go for VRS
September 23, 2020 10:47 - 7 minutes - 6.96 MBSBI plans to roll out a voluntary retirement scheme for more than 30,000 employees. If you are contemplating opting for VRS, we tell you how to evaluate the net benefit and have a financial strategy in place to ensure you don’t face problems in the future.
176: Why some banks are offering significantly higher interest rates on saving accounts?
September 21, 2020 08:12 - 6 minutes - 5.7 MBFixed deposit returns have been falling steadily for some time, but some newer banks are offering very high-interest rates on savings bank accounts, in some cases even higher than FDs. But the rates are not locked in. We tell you how to evaluate the risks and rewards.
175: Should you invest in corporate fixed deposits ?
September 18, 2020 08:32 - 5 minutes - 5.28 MBThe interest rate on bank fixed deposit is at an all-time low. During such times, Hawkins Cookers Limited has started accepting fixed deposits that offer a 9% interest rate on a three-year tenure. Should invest in corporate fixed deposits or give it a miss
174: Know how an increase in ready reckoner rates may impact your cost of a buying house
September 16, 2020 08:26 - 6 minutes - 5.64 MBThe Maharashtra government has increased the ready reckoner rates also known as the circle rates by an average 1.74% across the state. This move has surprised many as the real estate sector is already grappling with poor sales and high inventory. Let’s understand what is a ready reckoner rate and how an increase in the same can increase your cost of buying a house
173: What does the SEBI revamp of multi-cap funds mean for you ?
September 14, 2020 07:18 - 4 minutes - 4.18 MBA Sebi circular of 11 September may cause chaos in the mutual fund industry by compelling multicap funds to buy more mid and cap companies than they currently do. The resulting large shift of money can overwhelm the mid and small cap space and force funds to buy these stocks at expensive valuations. What should you as a mutual fund investor do? We explain.
172: How to ladder your health insurance policies for a single claim?
September 11, 2020 07:34 - 7 minutes - 7.17 MBThe number of covid-19 cases in the country is spiking with each passing day, resulting in more people getting treated in hospitals or makeshift facilities. For individuals with co-morbidities, the period of hospitalization, due to covid-19 or other diseases, could be longer, resulting in huge medical bills. You are allowed to use multiple health insurance policies for a single claim. In this episode, we tell you how you can ladder various policies you own to avail of maximum benefit.
171: How you can use video KYC to open bank accounts from home
September 09, 2020 08:06 - 7 minutes - 6.69 MBThe pandemic has disrupted in-branch banking and more customers are turning to digital alternatives. Banks have also adapted to this shift, with the latest addition being video-based KYC for digital savings account opening. We tell you how to go about it.
170: Possible tech bubble reminds of lessons from the dotcom boom
September 07, 2020 07:52 - 4 minutes - 4.55 MBTechnology stocks in the US have been on a feverish bull run. The Indian market has also seen a big polarization over the past three years with the top five stocks accounting for a huge 43% of the benchmark Nifty index and the top stock accounting for 14% of it. To some investors, it may look like the tech bubble is back. We talk about the lessons from the late 1990s for today's investors.
169: Should you keep paying EMIs after the builder misses possession date?
September 04, 2020 07:22 - 5 minutes - 5.13 MBCovid-19 has delayed the possession of residential units for many homebuyers. While it can be very frustrating to keep paying your EMIs and not be able to move into your home, we tell you what might happen if you stop payment.
168: Why is the burden of bundled loans heavier ?
September 02, 2020 09:02 - 7 minutes - 7.25 MBWe explore the impact of the COVID-19 pandemic on existing borrowers and those who are planning to raise money through new loans, as well as what it means to buy into bundled products.
167: Covid-led crisis pushes zillennials into investing.
August 31, 2020 08:38 - 7 minutes - 7.2 MBA few months ago, zillennials and young millennials were associated with the urge to splurge on lifestyle expenses. The fear sparked by the covid-19 crisis seems to have changed that. In this episode, we tell you how young workers are prioritizing investing, thanks to the uncertainty caused by covid-19.
166: Why alternative investments are not for everyone?
August 28, 2020 07:21 - 6 minutes - 5.82 MBSince the covid-19 pandemic hit, there has been a lot of financial uncertainty as traditional investments started tanking. This has led to a spike in investor interest in alternative asset classes. But is it a good idea to invest in alternatives?
165: What is the roll-down strategy of debt funds?
August 26, 2020 09:58 - 3 minutes - 3.26 MBDebt mutual funds are increasingly adopting the roll down strategy to compete with Bank FDs. We explain what this strategy is and how it works.
164: I-T dept to keep a closer watch on your financial transactions
August 24, 2020 09:23 - 18 minutes - 16.5 MBThe government plans to widen the scope of the statement of financial transactions (SFT). It is an initiative under which institutions report specified transactions to the income tax department to catch tax evaders. Here’s how it could impact you.
163: Spike in inflation could be turning your returns from investments negative
August 21, 2020 08:12 - 7 minutes - 6.54 MBCPI inflation reached a high of nearly 7% in July. This means reaping negative real returns for those who invest in fixed income instruments, especially retirees. We explore how inflation is calculated and how it impacts your money.
162: How covid has impacted the financial lives of different age groups
August 19, 2020 07:33 - 4 minutes - 4.44 MBPeople at different stages of life have felt the effect of the covid fallout in different ways. While young professionals have had to shelve plans, retirees are worried about their corpus running out. We explore what the setbacks have been and how to deal with them.
161: How retirees should invest to beat inflation
August 17, 2020 11:01 - 5 minutes - 5.37 MBRetail inflation for the month of July surged to 6.93% on a year-on-year basis. The traditional products such as bank FDs on which most of the retirees subsist have turned negative. We tell you how the retirees should invest to generate inflation-beating returns. Tune in and find out.
160: How to protect your family's interests in these uncertain times
August 14, 2020 07:27 - 6 minutes - 6.03 MBWe don’t like to talk about making wills given social taboos, but it is an essential step to secure your loved ones. We tell you how to do your estate planning so that your assets are distributed according to your wishes after your passing.
159: How to revive a lapsed life insurance policy
August 12, 2020 11:33 - 6 minutes - 6.24 MBAn insurance policy lapses when you stop paying the premiums on the due date and during the 30 days of grace period. Depending on the nature of the policy, it could either lapse automatically or allow a window for revival. Insurers launch revival campaigns from time to time and also allow a window of two years to revive the polices. We tell you how to go about it
158: How you can make international fund transfers easier on the pocket
August 10, 2020 09:00 - 5 minutes - 5.26 MBTransferring money in and out of India has a lot of costs such as forex spreads and commissions. Mint explains how you can reduce some of these costs.
157: Zero balance account doesn’t ask you to maintain minimum amount, but mind the trade-off
August 07, 2020 08:01 - 6 minutes - 5.5 MBZero balance account doesn’t ask you to maintain a minimum amount but mind the trade-off. With the government's waiver on banks charging a penalty for the non-maintenance of minimum balance having ended in June, many of us might end up paying for letting our account balance dip. We tell you what a zero-balance account is and how it can save you from penalties.
156: Ways to get higher rental income from your house
August 05, 2020 10:09 - 8 minutes - 7.53 MBThe covid-19 pandemic has affected the rents of houses. Here are some tips on how property owners can get a higher rent
155: Small weddings, large savings!
July 31, 2020 07:41 - 9 minutes - 8.49 MBThanks to Covid-19, the dream of a big fat wedding is not currently viable which means millennials and their families who saved for the grand affair for years in advance can now put the savings to better use. We spoke to millennials who tied the knot in the middle of the pandemic and some who plan to in the next few months to find that the drop in wedding budgets is helping them focus on important money goals. On this episode, we tell you what millennials are looking to do with the surplus w...
154: Know the reasons for the delay in tax refunds and how to check the status
July 29, 2020 08:03 - 6 minutes - 5.77 MBThe tax department has recently issued refunds worth ₹24,000 crores to 19.79 lakh taxpayers between 8 April and 11 July. The refund process has been ramped up to provide liquidity to taxpayers given the ongoing financial crisis due to COVID-19, but many of you could still be waiting for your refund. We tell you the reasons for the delay and ways to check your refund status.
153: Things to keep in mind before buying Corona Kavach policy
July 27, 2020 08:45 - 12 minutes - 11.6 MBThe disease-specific cover makes sense, even for those who have a regular indemnity policy as the former has a broader coverage. But there are still some aspects of the policy that insurance companies can interpret differently. We spoke to an expert to get clarity on the scope of Corona Kavach’s coverage.
152: Financial mistakes that you might be making right now.
July 24, 2020 06:04 - 8 minutes - 7.39 MBMint has been interviewing families and individuals about their financial lives for years, and a few money mistakes have merged as extremely common. Whether it has to do with insurance or investment, we tell you about the mistakes you might be unknowingly making in your own financial life.