Why Not Mint Money

5 mistakes to avoid when investing in MFs

Rs 50 trillion! The assets under management in the mutual fund industry has grown from Rs 23 trillion in December 2028 to Rs 50 trillion as on December 2023. A lot of people have started investing in mutual fund schemes. In this podcast, we shall tell you five mistakes to avoid when investing in MFs. Tune in now

Personal Finance lessons from an ex-RM

Mint's Sashind Ningthoukhongjam talks with his colleague Anil Poste about how people can safeguard themselves from rapid misselling at banks. Anil also shares his experience dealing with HNI clients and why he pivoted his career from finance to journalism.

How to reduce insurance premium for senior citizens

Health insurance premiums have been on a rising spree. More so for senior citizens. They either pay it by themselves or their children do it for them. What do we do if premiums become simply unaffordable? Aprajita Sharma of Mint Money will tell you just that in today's podcast.

Will the election budget have mega tax sops?

Mint's Shipra in a conversation with Mayank Mohanka, founder of TaxAaram India and a partner at S.M. Mohanka & Associates, decodes what to expect from the budget this year.

What should you do when big old funds underperform

There are just few mutual funds in the industry that can boast of a 20-30 year track record. But recently some of these funds have been underperforming. In today's episode of Why Not Mint Money, we are joined by Nirav Karkera, head of research, Fisdom, to talk more on this.

CIBIL score, discreet process & more: Gold loans to ease money crunch

Facing liquidity crunch? Instead of applying for personal loans at exorbitant interest rates, you should consider gold loans. Umesh Mohanan, Executive Whole Time Director at Indel Money decodes the process, loan to value and other aspects in this podcast with Aprajita Sharma of Mint Money.

Want to save taxes? A guide to investing in ELSS fund

This is the time of the year to make sure that all your tax-saving investments are done and dusted. In today's episode of Why Not Mint Money, we chat with Vijay Kuppa, CEO of InCred Money, on what makes ELSS mutual funds an attractive option for investors looking for tax-saving investments.

Tortoise and Hare: PPFAS and Quant MF

Just before the pandemic, it was hard to imagine that PPFAS and Quant MF would hit the 50,000 crore asset under management mark so soon. Now both of them have but apart from AUM, they have little in common. Nirav Karkera joins in from Fisdom to discuss what's different and who should opt for which fund.

Is it good time to invest in fixed deposits?

With the interest rates offered by fixed deposits still at higher levels, is it a good time to lock-in investments before central banks start to cut rates. In this latest episode of Why Not Mint Money, we chat with Raj Khosla, founder of MyMoneyMantra.com, to tackle this question.

How NRIs can tackle property management challenges

Mint's Shipra gives a handy guide on how NRIs can manage their real estate properties sitting abroad

How can NRIs invest in Indian stocks?

Mint's Sashind Ningthoukhongjam talks with Kazi Rahman to understand the process of how NRIs can invest in Indian stocks and the different ways they can do it.

How small businesses can benefit from GST composition scheme?

How to make sense of a health insurance policy

We put in a lot of effort when buying a car, phone or laptop. Hardly anyone puts in the same effort in purchasing a health insurance policy. Health insurance expert Aditya Shah will simplify it for you in this podcast in a conversation with Aprajita Sharma of Mint Money.

Avoid these personal finance mistakes in 2024

If you have not made any new year resolutions yet, but want some resolution ideas., in this episode of Why Not Money, we chat with Nisreen Mamaji, certified financial planner and founder of MoneyWorks Financial Services, on some common personal finance mistakes that investors make and how they can avoid it in the New Year.     

What Is a Reverse Mortgage?

Mint's Sashind Ningthoukhongjam engages in a conversation with Jayesh Faria, Director at Motilal Oswal Private Wealth about reverse mortgages. They dive deep into the topic and explain who should opt for this product.

How to become wealthier in 2024

Happy New Year! It's time to get your finances in order. Take a sense of 5 key financial resolutions that will give a 'rich' start to your New year. Tune in for more!!

How you can invest for newborn baby

Birth of a baby is followed by euphoria and excitement. But it also comes with lot of expenses. For long-term goals such as higher education and wedding, there are several investment products new parents can start investing in. In this episode of Why Not Mint Money, we chat with Kalpesh Ashar, founder of Full Circle Financial Planners and Advisors on how parents can invest for their new born baby.

IRDAI's exposure draft: Surrender value, index-linked insurance & other takeaways

Surrendering of insurance policies will likely no longer be a loss-making affair. Insurance regulator IRDAI has proposed to increase the surrender value for policies among key changes in the product design of life, health and general insurance. We caught up with Akshay Dhand, Appointed Actuary at Canara HSBC Life Insurance to understand all about it.

How to make most of debt investments in 2024

According to fund managers interest rates are nearing their peak levels, bond yields are expected to remain stable and then start falling into the new year. In this latest episode of Why Not Mint Money, we chat with Rushabh Desai of Rupee With Rushabh Investment Services, on how investors can make of the changes expected in the new year in the debt markets.

LIC Jeevan Utsav: Key features to know

In today's episode of 'Why Not Mint Money,' host Aprajita Sharma is in conversation with Vivek Banka, co-founder at GoalTeller.Together, they explore the nuances of LIC Jeevan Utsav, unraveling its key features to provide viewers with a comprehensive understanding. If you are someone exploring investment options for the first time, this episode promises to demystify LIC Jeevan Utsav, empowering you with the knowledge to make informed financial decisions.

What's new in India's Alternate Investment Scene

Join Mint's insightful conversation with Akshat and Aryaman Vir, the Founder and CEO of WiseX. Discover how their expertise is reshaping the realty industry , offering a fresh perspective on innovative products, technology integration, and consumer trends.

All about employer-employee insurance solutions to save taxes

Small businesses have found a tax-efficient way to deploy company profits for personal use. Is it tax planning or tax avoidance? Over to the insurance regulator IRDAI and the Income Tax Department to interpret. Aprajita Sharma of Mint explains in this podcast the work-around.

Why NPS is good for retirement planning?

Mint's Sashind Ningthoukhongjam engages in a conversation with Sumit Shukla, CEO of Axis Pension Fund on the benefits of investing in the National Pension Scheme.

How to get rewarded for UPI payments with credit cards

In this episode of Why Not Mint Money, host Shipra speaks to Mohit Bedi, co-founder, Kiwi about how UPI functionality in credit cards works. Tune in for some expert insights

Zero-cost medical EMIs for dental treatment

Dental treatment is expensive. Insurance policies in India do not cover it extensively. What are the options? Zero-cost medical EMIs. Catch Aprajita Sharma of Mint Money to talk about it in this podcast.

Life and Money Lessons from Charlie Munger

Charlie Munger, who passed away at the age of 99, left a timeless legacy of wisdom on investing and leading a good life. In this episode, Mint's Sashind Ningthoukhongjam talks to Raj Mehta, co-fund manager at PPFAS Mutual Fund, to delve into the enduring lessons he gained from Munger.

Should you buy a new car or just use ride -hailing apps?

Join us on the discussion on "Car Vs Cab? The Ultimate Financial Drive," where we dissect the age-old question of owning a car versus relying on ride-hailing services. Through meticulous research and detailed calculations presented by Mint, we explore the intricate financial landscape of these two modes of transportation.

How to recover your hidden financial fortunes

Unclaimed investment in India in different products such as shares, mutual funds, bank deposits, provident funds and life insurance is to the tune of nearly Rs 3 lakh crore. Many families in the country are unaware of their hidden fortunes. Vikash Jain, co-founder of Share Samadhan, in a discussion with Aprajita Sharma of Mint Money, shares vital information on how to know if you have unclaimed money lying somewhere and how to recover it.

When does a minor child pays tax

Mint's Shipra speaks to Nitesh Buddhadev, founder, Nimit consultancy about tax rules for a minor child when she earns cash prize, gets an inheritance or her parents invest in her name.

Are zero-cost term plans really free?

The insurance companies have launched zero-cost term plans which come with a special exit window during which you can foreclose the policy and get all your premiums back paid so far. It sounds like a great proposition, but is it really sound? Aprajita Sharma of Mint Money will explain you exactly that in this podcast. Tune in now!!

What's the cost of delaying your investments?

In the latest episode of why not mint money our host Sashind Ningthoukhongjam talks about what procrastinating and delaying can do to your investments. Tune in as he shares practical tips, offering valuable insights and navigating the ever-changing landscape of personal finance.

How mutual funds dabble in new-age startup IPOs

Analyzing the recent buzz surrounding Mamaearth's IPO, Mint's Akshat explores the strategies, risks, and returns associated with mutual fund participation in new-age company offerings. From understanding the IPO game to deciphering investment rationale, this episode navigates the dynamic landscape of startup IPOs and their impact on mutual fund portfolios.

Education loan versus self-finance: Know what will suit you

Foreign education has become every parent and child’s dream. Sending your child abroad is an expensive affair. Some people take education loan to fund the same and others resort to their own investments. In a discussion with Aprajita Sharma of Mint Money, Ankit Mehra - Co-founder and CEO – GyanDhan helps you decode the loan versus self-finance conundrum.

How a will can distribute your assets as you intended?

Individuals accumulate several assets over their lifetime. After they are no more, they desire their children are able to utilize these assets. But without proper estate planning, there is always a risk that your asset doesn't get passed on as per your intentions. In today's episode of Why Not Mint Money, we chat with Vishnu Chundi, founder and chief executive officer of AasaanWill, on how a will can help in ensuring proper distribution of assets.

Are buying gold coins each year on Dhanteras a good idea?

In this Dhanteras special episode, Mint's Shipra breaks down the myth that gold coins are a good investment

Should you buy ULIPs masquerading as MFs

Lately, many NFOs are launching but some of these are not Mutual funds. Instead, they are ULIPs and in this episode, we invited our guest Abhishek Kumar, RIA and founder of Sahaj Money to figure out if investors should buy this insurance cum investment offerings. Tune in for more!!

How do F&O traders reduce their tax liability?

Since F&O income is considered business income in taxation, most traders resort to section 44-AD of the Income Tax Act to file their taxes. CA Naveen Wadhwa, Vice President at Taxmann discusses with Aprajita Sharma of Mint Money why this practice falls under tax evasion. He says the Income Tax Department may send notices and levy penalties if it finds a major difference between the tax liability and the total tax paid. Tune in now for expert tips!!

How inflation impacts fixed income investments?

If your investment returns are less than the inflation rate, it means in inflation-adjusted terms your returns are negative. So, how does one continue to earn positive inflation-adjusted returns from their fixed income investments. In today's episode of Why Not Mint Money, we chat with Harshad Chetanwala, co-founder of MyWealthGrowth, on what are the fixed income alternatives for investors in a rising inflation environment.

Does timing the market using Trigger SIPs really work?

Trigger SIPs offer investors the flexibility to time their investments— certain market conditions act as triggers that activate or deactivate investments. In this episode, our host Akshat, reveals that trigger-based SIPs, even with various trigger conditions, do not substantially affect the portfolio's XIRR. This suggests that investors seeking to enhance their final corpus should prioritize investing during market downturns.

Why you must create an estate plan now

Mint's Shipra speaks to Sneha Makhija, Head of Wealth Planning, Sanctum Wealth about the mess one can leave their family in by not creating an estate plan and how to create one

What's the new rule on MF calculators?

Mint's Sashind Ningthoukhongjam explains the new AMFI guidelines on showcasing returns on mutual fund calculators.

Why NRIs must consider buying insurance from India?

When NRIs are living abroad, should they take a life or a health insurance policy from India? In today's podcast, our host Aprajita Sharma from Mint Money will explore this topic in detail, providing you with comprehensive insights to help you make an informed decision.

How to save taxes on debt funds even after new rules?

From 1st April, new investments in debt funds no longer enjoy indexation benefit or long term capital gains tax rate of 20%, but if you keep your older investments made until 31st March intact, you can still get these benefits. However, that's the tricky part as first in first out (FIFO) rule would always force withdrawal of older units first. In today's episode of Why Not Mint Money, we chat with Sumit Duseja, co-founder and chief executive officer, Truemind Capital, on how investors can avo...

Should you invest in InvITs now?

In this episode of "Why not mint Money," Mint's Akshat explores the evolving landscape of Infrastructure Investment Trusts (InvITs) with guest Krishnan Iyer, CEO of NDR InvIT Managers. They discuss the distinctive features, recent tax adjustments, and the potential outlook for InvITs, offering valuable insights for investors looking to navigate this investment avenue effectively.

Step-by-step process to protect your family financially

Losing one's loved one is surely the biggest grief in life. A family which is already going through a lot emotionally may face even bigger financial difficulties if they lose the breadwinner of the family. In this podcast, fee-only financial planner and registered investment advisor Renu Maheshwari talks about what people should do while they are living to ensure their family feels financially safe after they are gone. The podcast also explains how to manage bulk insurance money, what mistak...

Do salaried individuals have to pay advance tax?

In Today's episode of Why Not Mint Money, Mint's Shipra speaks to Sujit Bangar, founder, Taxbuddyn to discuss the intricacies of advance tax. To know more about personal finance tune in to the episode now.

Where does a basket of corporate bonds stand in your debt portfolio?

Mint's Akshat talks to Anshul Gupta, Founder & CIO of Wint Wealth, about the evolving alternative fixed-income options for retail investors in India. Anshul explains how Online Bond Platform Providers (OBPPs) are now offering Securitized Debt Instruments (SDIs) with bonds as underlying assets, making it easier for retail investors to enter the corporate bonds market. They also explore the structure, potential returns, and risks associated with SDIs, along with their taxation compared to tradi...

Does real estate really underperform equities, gold & FDs?

Millennials are no different from boomers where real estate investments are concerned. They want regular cash flows and returns that beat inflation. Yet, data by the Reserve Bank of India’s Housing Price Index shows that real estate underperforms other forms of investment in different time periods. How to look at real estate investment in your portfolio? Tune in to listen to Himanshu Kohli, Co-founder, Client Associates in a conversation with Aprajita Sharma of Mint Money.

Why you need gold amid war and inflation

Gold is often seen as a refuge investment or safe haven during periods of crisis. Right now, Israel-Hamas war, higher global inflation and ongoing Russia-Ukraine conflict have kept the global markets on edge. In today's episode of Why Not Mint Money, we spoke with Tapan Patel, fund manager at Tata Mutual Fund, on why he thinks this is a good time for retail investors to build some gold exposure in their investment portfolio.

Should you BNPL for stocks?

Mint’s Sashind talks to Jay Prakash Gupta of Dhan about the risks and benefits of using the margin Trading Facility (MTF). MTF is a way of buying stocks on loan.