“Target Maturity funds help us plan our finances better. A target maturity fund will allow investors a simple and easy way to manage savings – (you) can invest in govt and public sector debt funds, bonds with a fixed maturity, and in sachet size. If I invest in such a fund, I can reduce my taxes by getting indexation benefits (for an investment above 3 years). It’s a smarter investment option like a buffet. It also helps with liquidity, because I can withdraw in multiples of Re 1.” Mohit Beriwal...
Nov 21, 2022•12 min•Ep. 20
“A Flexi cap fund is not confined to certain percentages in certain market cap buckets. It can take advantage of opportunities available across the market spectrum. As you know, market prices are dynamic and companies do appreciate or depreciate in terms of value. In such cases, the market cap categorization could also change. A fund manager can continue to have his winners irrespective of such a change. It can also take advantage of value depreciation, from a long-term point of view.” Sachin Re...
Nov 04, 2022•14 min•Ep. 19
For youngsters particularly, when they start earning, the first thing to start is a financial plan. That way, their later years will become much easier. Instead of years or duration, differentiate your goals into short-term goals and long-term goals. If you don’t take a risk at the right age, you will regret later!” Chokkalingam Palaniappan., Director - Prakala Wealth Management Pvt. Ltd. and an influencer in Tamil Nadu, believes that smart, proactive financial planning is the secret ingredient ...
Oct 21, 2022•13 min•Ep. 18
Money Mantras for Women – A Durga Puja Special on The Moneywise Podcast “Women are often considered better at saving money and planning household finance. Women understand inflation the best because they’re the first ones to be hit by inflation and price rise. I believe, with a sound plan, women can march confidently towards their personal or professional objectives without worrying about any financial implication. They have to move past their fear. You don’t need large sums of money to create l...
Oct 03, 2022•19 min•Ep. 17
“...the lack of patience in investment actually never makes money. The most important variable is the time that you give to investments. But what happens (is)...we actually focus on getting the maximum returns, and in that process, we lose our patience. If you want to create a sizeable amount of wealth, what you need to first give is loads of time, and for that, you need to have patience.” Ashish Modani is the founder of SLA Financial Solutions, one of the top financial advisory firms in India. ...
Sep 23, 2022•17 min•Ep. 16
“Mutual funds give you diversification. You have equity, debt, gold, real estate, or hybrid (a mix of everything else), and you have multiple options. You may invest via lump sum as a one-time investment, or you can do a SIP, a systematic transfer plan, or a systematic withdrawal plan... One thing I would want investors to start is to put money into equity that can help them make sure that their future purchasing power, the standard of living, etc. are protected. You want to start retirement pla...
Sep 02, 2022•15 min•Ep. 15
“When we're in a storm, do we jump out of the boat to stay safe? We're much safer holding on tight inside the boat. When the storm goes away, the boat will move forward safely once again. Similarly, whenever there is any volatility in the market, investors should stay calm. When the market goes up, it will come back down as well. If it drops, it will go up again. An investor who wants to achieve his/her goal must stay put and play the long game. ” On the occasion of India’s 75th Independence day...
Aug 12, 2022•15 min•Ep. 14
Gone are the days when simple bank FDRs used to give high returns. The inflation these days is at levels that are catapulting our expenses into a different orbit every five years! The options to save have (also) changed and evolved. Almost every person is a saver but not every person is an investor. Putting your saving into efficiency is what converts a saver into an investor. Whatever your current earning, that should be your return from your savings.” Bharat Bagla, Director of Bees Network, ha...
Jul 07, 2022•16 min•Ep. 13
“What I and my wife started is - involve our daughter in all kinds of small planning. Let’s say, planning a vacation. We would involve her in packing bags, and emergency requirements, all within a budget. Not only did she get a sense of participation, but over a period of time, she started aligning herself to more budget timelines. These are the kind of small processes you can use to make your children more financially aware, in a more joyful manner.” For many of us, our first experience or less...
Jun 18, 2022•10 min•Ep. 12
(An investor’s) the first allocation should be towards large-cap investing. The top 100 companies in the country can be termed as a large-cap segment. Generally, when you are in a down-cycle, or the overall market is weak due to weak macros, geopolitical tensions, or some liquidity crisis, most of the money tends to stick with the top 100 companies, because that is where...the risks are lower. Sumit Agrawal, Senior Vice President, Fund Management Team (Equity) at IDFC Asset Management, has over ...
May 26, 2022•14 min•Ep. 11
“You should diversify your investment so that you are protected in case of any adverse circumstances, any adverse performance of those specific schemes in which you have invested. You reduce the risk of something going wrong...Mutual funds are underrated as far as diversification strategy is concerned because (when) you invest in one mutual fund scheme, you are automatically diversifying across (several) underlying securities held by that mutual fund scheme.” Brijesh Dalmia is a certified financ...
May 05, 2022•10 min•Ep. 10
“AI has the power to personalize information. At any instance where you are making a wrong investment decision, maybe because of the emotions that (can) overpower your decision, AI will come into effect and tell you - ‘hey, this is not the right time for this decision.’ The ability to reach out to each individual, and provide the most personalized service at the right time with a relevant context - from both a personal behavior perspective and a market perspective - is the magic which AI can bri...
Apr 04, 2022•15 min•Ep. 9
“Women, I would say, are already very good managers inherently…I feel women must now understand that it is time to add one more super skill - being financially sound. Women are also generally very good, disciplined investors. They will eventually do good for themselves and their families if they take an active part in managing their own money.” Welcome to the Women’s Day special on The Moneywise Podcast. Our guest today is Jainy Shah , founder of Primestar Investments and a well-known financial ...
Mar 08, 2022•16 min•Ep. 8
Money is a resource. That’s how I look at it. Whatever we make from our job/profession is a resource. But this resource may not be enough (for) future goals like your child’s education or your retirement goals. This is the reason we need to deploy our money properly. Making money is one thing, but keeping money and growing wealth is not easy..” B Padmanaban, Director of Fortune Investments, is a regular contributor on finance subject on the SUN TV network and is also a featured expert in Naanaya...
Feb 28, 2022•17 min•Ep. 7
“Companies go through cycles, sectors go through cycles, markets go through cycles. It’s important for us to understand that the reason we call it a cycle is because things go up and things come down. Identifying where we are in the cycle, and how to approach the cycle, is the answer to what kind of allocation one should have for growth or value, as the case may be.” Daylynn Pinto, Senior Fund Manager - Equity at IDFC Asset Management, is a believer in the benefits of value investing. In this ep...
Feb 02, 2022•17 min•Ep. 6
My one advice to every young person would be "Start investing as early as possible to understand the power of compounding". 99% of the people on earth can’t fathom the true power of compounding. Everyone has heard and knows the formula but few people truly understand the depth of this calculation. No wonder Albert Einstein says, "Compound Interest is the greatest mathematical discovery ever made." Gajendra Kothari, the Managing Director & Chief Executive Officer of Etica Wealth Private Limit...
Jan 09, 2022•15 min•Ep. 5
“We found that large-cap funds have given a long-term average return of 13.5% between 2010 and 2021, mid-cap…around 19%, and small-cap…around 17.5%. However, different market caps perform differently in each period…and every year, the winner keeps changing. ” In this episode of the Moneywise Podcast , Mr. Sirshendu Basu, Product Head of IDFC Asset Management Company Limited, demystifies financial concepts like market capitalization and shares the best-learned wisdom for an investor looking to in...
Dec 16, 2021•20 min•Ep. 4
“Most often, it’s our behavior that can go bad rather than the investment itself. If we allow fear to dominate and we sell out every time the market falls, our long-term goal - the reason we were investing in the first place - will never be achieved.” In the second episode of our special two-part series on Moneywise , Vishal Kapoor, CEO of IDFC Asset Management Company Limited, advises investors on how they can successfully navigate the volatility that poses risks to their investments, and the i...
Nov 29, 2021•13 min•Ep. 3
“Investment is all about having financial products - whether growth-oriented or stability-oriented - and allowing them to power your goals while also providing some cushioning against market fluctuations.” Vishal Kapoor, CEO of IDFC Asset Management Company Limited, wants every Indian to get wise about investing, secure their financial future, and accomplish their goals. He claims that good investments can become important safety nets in the long term. He says, “prices of goods and commodities k...
Nov 14, 2021•14 min•Ep. 2
Gaurab Parija, Head – Sales and Marketing at IDFC Asset Management Company Limited, is a passionate believer in the power of SIPs to create wealth for anyone. He says, “The secret to creating wealth - for an average investor like you and me - has 3 elements: 1. Asset Allocation 2. Managing Emotional & Financial Stress 3. The Power of Compounding” In this episode of Moneywise, Mr. Parija explains how a Systematic Investment Plan or SIP helps you invest small amounts, ensures discipline (in yo...
Oct 20, 2021•27 min•Ep. 1
