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Cryptos, FDs and Smart Beta Funds

An episode of the Let's Talk Money with Monika Halan podcast, hosted by Monika Halan, titled "Cryptos, FDs and Smart Beta Funds" was published on September 26, 2024 and runs 19 minutes.

September 26, 2024 ·19m · Let's Talk Money with Monika Halan

0:00 / 0:00

Summary

In this episode, Monika presents an intriguing blend of insights and answers to listener questions. First, she explores how several non-US countries are seeking alternatives to the dollar-based global payment system, particularly regarding cryptocurrency. She clarifies that this discussion isn't an investment recommendation but highlights its implications for the future of global transactions. Next, Monika dives into a micro event: Airtel’s new app-based fixed deposit service that launched on September 1, 2024. This innovation aims to simplify FD investments by allowing users to choose deposits from various banks through an easy-to-use dashboard. She also shares some risks, especially regarding higher interest rates from smaller banks. Finally, Monika addresses three listener questions: one asks whether to pay off a home loan given the changing tax landscape; another inquires about the potential benefits of smart beta funds compared to traditional index ETFs; and the last expresses frustration over unequal investment allocations between spouses, seeking advice on how to handle this with their financial advisor. Chapters: (00:38 - 02:04) Cryptocurrency: Alternative to Dollar-Based Payment Systems (02:06 - 04:24) The Role of Crypto in International Trade: Russia and India (04:26 - 07:17) Fixed Deposits: Airtel's App-Based Investment Service (07:32 - 11:44) Home Loan Decisions: Balancing Tax Benefits and Financial Strategy (11:46 - 15:57) Smart Beta Funds: Understanding Strategy-Based ETFs (15:59 - 18:40) Portfolio Allocation Issues: A Case Study on Gender Bias in Financial Advisory If you have financial questions that you’d like answers for, please email us at ⁠[email protected]⁠  Monika’s book on basic money management www.monikahalan.com/lets-talk-money-english/⁠ Monika’s book on mutual funds www.monikahalan.com/lets-talk-mutual-funds/⁠ ⁠-funds/⁠ Monika’s workbook on recording your financial life www.monikahalan.com/lets-talk-legacy/⁠ Calculators investor.sebi.gov.in/calculators/index.html⁠ You can find Monika on her social media @monikahalan.  Twitter ⁠@MonikaHalan⁠ Instagram ⁠@MonikaHalan⁠ Facebook ⁠@MonikaHalan⁠ LinkedIn @MonikaHalan Production House: www.inoutcreatives.com Production Assistant: Anshika Gogoi Fixed Deposit Home Page - Airtel Ayushman Bharat scheme: Why senior citizens over 70 need separate health insurance covers despite PM-JAY (moneycontrol.com) https://cleartax.in/s/section-115bac-features-new-tax-regime-benefits https://cleartax.in/s/old-tax-regime-vs-new-tax-regime Can smart beta funds deliver on their promise of low risk, high returns? (moneycontrol.com) Nifty200 Momentum 30 (niftyindices.com) Strategy Indices (niftyindices.com) india.fpsb.org/contact/

Episode Description

In this episode, Monika presents an intriguing blend of insights and answers to listener questions.

First, she explores how several non-US countries are seeking alternatives to the dollar-based global payment system, particularly regarding cryptocurrency. She clarifies that this discussion isn't an investment recommendation but highlights its implications for the future of global transactions.

Next, Monika dives into a micro event: Airtel’s new app-based fixed deposit service that launched on September 1, 2024. This innovation aims to simplify FD investments by allowing users to choose deposits from various banks through an easy-to-use dashboard. She also shares some risks, especially regarding higher interest rates from smaller banks.

Finally, Monika addresses three listener questions: one asks whether to pay off a home loan given the changing tax landscape; another inquires about the potential benefits of smart beta funds compared to traditional index ETFs; and the last expresses frustration over unequal investment allocations between spouses, seeking advice on how to handle this with their financial advisor.


Chapters:

(00:38 - 02:04) Cryptocurrency: Alternative to Dollar-Based Payment Systems

(02:06 - 04:24) The Role of Crypto in International Trade: Russia and India

(04:26 - 07:17) Fixed Deposits: Airtel's App-Based Investment Service

(07:32 - 11:44) Home Loan Decisions: Balancing Tax Benefits and Financial Strategy

(11:46 - 15:57) Smart Beta Funds: Understanding Strategy-Based ETFs

(15:59 - 18:40) Portfolio Allocation Issues: A Case Study on Gender Bias in Financial Advisory


If you have financial questions that you’d like answers for, please email us at ⁠[email protected]⁠ 


Monika’s book on basic money management

www.monikahalan.com/lets-talk-money-english/⁠


Monika’s book on mutual funds

www.monikahalan.com/lets-talk-mutual-funds/⁠

⁠-funds/⁠


Monika’s workbook on recording your financial life

www.monikahalan.com/lets-talk-legacy/⁠


Calculators

investor.sebi.gov.in/calculators/index.html⁠


You can find Monika on her social media @monikahalan. 

Twitter ⁠@MonikaHalan⁠

Instagram ⁠@MonikaHalan⁠

Facebook ⁠@MonikaHalan⁠

LinkedIn @MonikaHalan


Production House: www.inoutcreatives.com

Production Assistant: Anshika Gogoi


Fixed Deposit Home Page - Airtel


Ayushman Bharat scheme: Why senior citizens over 70 need separate health insurance covers despite PM-JAY (moneycontrol.com)


https://cleartax.in/s/section-115bac-features-new-tax-regime-benefits https://cleartax.in/s/old-tax-regime-vs-new-tax-regime


Can smart beta funds deliver on their promise of low risk, high returns? (moneycontrol.com)

Nifty200 Momentum 30 (niftyindices.com)

Strategy Indices (niftyindices.com)


india.fpsb.org/contact/

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