Moneywise

Still confused about how multi-factor portfolios work in practice?In this finale episode of Moneywise, we move from concepts to understanding real-world application, and explore the practical aspects of multi-factor model portfolio management. We explain how different factors can be combined into a structured investment framework through a step-by-step explanation.In this episode, we break down:• How multi-factor portfolios are structured in practice• The role of multi-factor model portfolio management in balancing different market behaviours• How momentum and size factors are used within investment frameworks• Common mistakes seen in factor-based investing approaches• How factor-based approaches can be relevant in mutual fund investing discussionsThis episode is designed to help viewers understand how factor-based ideas translate into real-world portfolio frameworks, especially for those looking to move beyond single-factor thinking.This content is for educational purposes only and should not be considered investment advice or a recommendation to buy or sell any securities or adopt any investment strategy.Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

Ready to take a deep dive into how to structure investment portfolios?In this episode of Moneywise, we decode 3 key factors in investing: Momentum, Size, and Low Volatility. We understand these using real-life examples that you’ll actually relate to.But how do these factors actually work in real markets?In this deep dive, we explain:- Factor investing explained in simple, practical terms- How factor investing strategies are structured using momentum, size, and volatility- What momentum factor investing looks like and why trends may persist at times- How factor size investing differs from large-cap investing- How multiple factors are used in investment frameworks- How to learn factor investing without trying to time the marketThis episode will help you understand factor investing as a framework, whether you’re exploring strategies, comparing funds, or strengthening your investing basics.This content is for educational purposes only and should not be considered investment advice or a recommendation to buy or sell any securities or adopt any investment strategy.

Want factor investing explained in the simplest way possible?In this episode of Moneywise, we decode the three powerful styles that influence how portfolios are constructed — Growth, Value, and Momentum.These aren’t stock tips. They’re structured approaches used in factor investing.Here’s what you’ll learn:• What Growth factor investing means and how earnings expectations drive pricing• How Value factor investing identifies relatively lower-valued companies using ratios like P/E, P/B and EV/EBITDA• What Momentum investing focuses on and why trends sometimes persist• Factor investing quality vs value vs growth — how different styles behave across market cycles• Why no single factor outperforms in every phase• How factor-based mutual fund strategies are structuredIf you’ve ever wondered how professional portfolios are designed, this episode connects theory to practical understanding.Mutual fund investments are subject to market risks. Please read all scheme related documents carefully before investing.

Is investing really just luck and gut feel… or is there an actual science behind it? 📊🤔In this episode of Moneywise, Virat and Rachita dive into the world of factor investing, the structured, data‑driven approach that quietly influences how many portfolios are built. No jargon overload, no spreadsheet trauma (mostly), just clean explanations and relatable analogies.Factor investing sounds complex, but at its core, it’s about understanding why certain stocks tend to behave the way they do, and what factors drive long‑term performance.🎯 In this episode, you’ll explore:• Factor investing explained in simple, practical terms• What factors actually mean in real investing• An easy way to think about quality factor investing• How investors can start thinking about how to learn factor investing without overcomplicating it• Why factor-based thinking matters even for mutual funds for beginnersIf you’ve ever wondered whether investing decisions can be broken down into repeatable logic instead of pure instinct, this episode connects the dots.Chapters:00:00 Intro01:40 Patterns in Market03:45 Factors Explained04:55 Catch in Factor Investing06:35 Real talk on Factor Investing07:35 OutroNo promises. No shortcuts. Just a deeper look at how investing frameworks actually work behind the scenes.

Even experienced investors make mistakes. Not because they don’t know enough… but because money has a way of triggering very human decisions.In this episode of Moneywise, Virat and Rachita break down the 10 most common investing mistakes that almost everyone falls for, from beginners starting out to long-term investors who think they’ve seen it all.These are the small slip-ups that can quietly derail your long-term investing journey.In this episode, we cover:• Beginner investing mistakes that most people repeat• The “I’ll time the market” trap• Overreacting to short-term noise• Chasing hype instead of having a plan• Ignoring diversification and risk• Common investing mistakes to avoid even after years of experienceChapters:00:00 Intro01:40 Chasing Top Performers02:20 Panic Selling02:29 Too Many Funds03:23 Relying on Forwards04:00 Checking Portfolio Everyday04:43 Not Setting Goals05:00 Timing the Market05:29 No Emergency Fund06:00 Tax Considerations07:54 RecapWhether you’re new to investing or already investing through mutual funds, this episode is a reminder that investing is less about being perfect… and more about avoiding the obvious errors.Watch till the end and see how many of these mistakes you’ve caught yourself making.This content is for educational purposes only and should not be construed as investment advice.Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

Your mutual fund has a chef and no, it’s not random.When you invest in a mutual fund, you’re not just buying a basket of stocks. You’re handing your money to someone who decides what goes in, what stays out, and when the recipe needs a change. That someone is the fund manager.In this episode of Moneywise, Virat and Rachita break down who a fund manager really is using a simple kitchen analogy. Think of the fund manager as the chef, the market as the pantry, and your portfolio as the final dish. Just like a chef follows a process rather than cooking randomly, fund managers follow defined research and risk frameworks while selecting stocks.🍽️ In this episode, we unpack:•⁠  ⁠Who is a fund manager and what they actually do day to day•⁠  ⁠The real responsibilities of a fund manager beyond “buying stocks”•⁠  ⁠How fund managers select stocks and manage risk behind the scenes•⁠  ⁠Why some funds actively tweak the recipe while others follow a fixed menu•⁠  ⁠Active vs passive funds explained in a simple, no-jargon wayChapters:00:00 Intro00:58 Who are mutual fund managers02:08 What is the responsibility of a fund manager03:15 Active vs passive funds05:16 Types of investment philosophy05:42 What to do when a fund manager leaves?06:40 Myths about fund managersThis episode helps you understand why the person managing your money matters, how decisions are made inside a mutual fund, and what role a fund manager plays in shaping outcomes over time without making any promises or predictions.If you’ve ever wondered “Who is deciding where my money goes?” this episode answers that question, calmly and clearly.🎧 Watch till the end to see why choosing a fund is also about trusting the chef, not just liking the menu.

Mutual fund tax is one of the most misunderstood parts of investing, and many investors realise it only after booking profits.In Moneywise Season 2 Episode 22, Virat and Rachita explain tax on mutual funds in India in simple language, helping you understand how mutual fund taxation actually works.In this episode, you’ll learn: • How mutual fund capital gains tax applies to equity mutual funds • The difference between short-term and long-term capital gains tax on mutual funds • Why the 1-year holding period matters for equity mutual fund tax • How debt mutual fund taxation rules changed after April 2023 • What tax-loss harvesting in mutual funds means and when it can reduce tax • Why tax should be a factor, not the deciding factor, in investment decisionsIf you’ve searched for mutual fund tax explained, tax on mutual funds, long-term vs short-term capital gains, or how mutual fund tax works in India, this episode breaks it down clearly.This video is for investor education only. Tax laws discussed are as per current regulations and are subject to change.

Most people say, “I’ve started investing in mutual funds,” but when asked why, the answer is usually… “for the future.” But the future isn’t one place. It’s a house, a holiday, an emergency, or retirement, and each destination needs a different train.In this episode of Moneywise, we use a simple railway journey analogy to explain goal-based investing through mutual funds and why matching the right investment to the right timeline is the backbone of smart money management.You wouldn’t take a bullet train to buy groceries or a local train for a cross-country trip, so why do it with your investments?🎯 What you’ll learn in this episode:•⁠  ⁠Why investing without a clear goal is the biggest reason people quit midway•⁠  ⁠How short-term, medium-term and long-term goals need different strategies•⁠  ⁠Where emergency funds actually belong (and where they don’t)•⁠  ⁠How to juggle multiple goals without confusing your portfolio•⁠  ⁠Common goal-based investing mistakes investors keep repeating•⁠  ⁠Why annual reviews matter as much as starting an SIPTimestamps0:00 – Why “I’m investing for the future” is not a plan0:45 – Investing without a goal is like travelling without a destination1:30 – The three goal timelines every investor must know2:50 – Short-term goals and why safety beats growth here3:00 – The 6-month emergency fund guideline explained4:40 – Medium-term goals and the role of balance5:00 – Why time changes how much risk you can take6:45 – Managing multiple goals at the same time7:00 – Building a real-life goal-based investment plan8:20 – The most common goal-based investing mistakes9:00 – Why reviewing goals annually is non-negotiableIf you want your mutual fund investments to actually support your life goals, this episode helps connect the dots between financial planning, goal-based investing, and practical money management.This episode is for investor education purposes only and does not constitute investment advice or a recommendation. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully.

Your portfolio is a lot like your wardrobe. If you never clean it up, rebalance it, or remove what no longer fits, things quietly go out of control.In this episode of Moneywise, we break down portfolio rebalancing in simple, no-jargon language. From why ignoring rebalancing can slowly distort your mutual fund portfolio to how often it actually needs attention, this conversation cuts through the confusion without fear-mongering or flashy claims.We talk about what rebalancing really means, how asset allocation drifts over time, and why a portfolio that once made sense may no longer match your goals today. Whether you’re new to mutual funds or already investing through SIPs, understanding how to rebalance a mutual fund portfolio is a core skill many investors overlook.If you’ve ever wondered how one should do rebalancing in mutual funds or struggled with how to rebalance and analyse a mutual fund portfolio, this episode helps you think through the logic calmly and clearly. No shortcuts. No hype. Just a smarter way to look at your investments.Chapters:00:00 Intro01:13 Understanding Rebalancing03:49 When to Rebalance?06:12 Rebalancing Method07:53 Rebalancing Mistakes10:00 Recap

Think of diversification in mutual funds like food choices. Eating the same pizza for breakfast, lunch, and dinner every day gets boring and unhealthy. But trying 50 different dishes in every single meal? That’s chaos. The sweet spot is a balanced plate, and investing works the same way.In this episode of Moneywise, we break down the real meaning of diversification and why many investors unknowingly fall into over-diversification in mutual funds. More funds nay not always mean more safety. In fact, the disadvantages of over-diversification in mutual funds often include unnecessary complexity, overlapping holdings, and diluted outcomes.Through simple analogies and clear logic, we explore how to think about diversification the right way, especially for mutual funds for beginners and anyone starting mutual funds and SIP for beginners. No jargon, no hype, just a practical way to understand how balance matters more than quantity.Because smart investing isn’t about eating the same thing forever… or trying everything at once. It’s about knowing how much is enough.Chapters00:00 Intro01:11 Underdiversification vs Overdiversification02:21 Diversification Mistakes03:40 4 Types of Diversification05:54 How Many Funds?06:58 Downsides of Overdiversification08:02 Myths Busted09:25 Quick Recap

Just like you can’t expect nonstop boundaries and zero wickets, higher return potential is generally linked with higher uncertainty.We break down what is risk in investment, the types of investment risk, and why understanding this balance is a core part of informed investment strategies. No jargon, no promises, just clear financial education to help you think better about risk and return in investing in the stock market before making decisions.Chapters:00:00 Intro01:08 T20 vs Test02:26 What is Risk?04:19 Market Stories07:27 How To Assess Risk10:15 Practical Tips12:37 Investment Mistakes

Ever wish investing came with a cheat code? Index funds pretty much are that cheat code, the “Ctrl+C Ctrl+V of the market,” as Virat calls it. And Rachita? She’s already obsessed with this idea of legal copying.In this episode of Moneywise, we break down index funds for beginners in the simplest, funniest, and most no‑nonsense way possible. Whether you’re a first‑time investor or someone still wondering “what is an index fund, exactly?”, this one clears the fog without boring jargon or scary charts.Chapters:00:00 Intro01:00 Long-term vs Short-term04:15 Real-World Examples07:27 How To Assess Funds10:14 Practical Advice12:32 Investment Mistakes to Avoid14:27 RecapIf you’ve been thinking of entering the market but want something simple, steady, and beginner‑friendly, this episode will help you connect the dots without promising any magic outcomes.

Small Cap, Multi Cap, Flexi Cap - three mutual fund categories that feel like completely different rishta profiles. One hustles, one balances, one adapts. But knowing how they differ helps investors understand how each category aligns with different risk-return characteristics.Just like an arranged-marriage shortlist, selecting a category depends on your comfort, expectations, and long-term approach, not on guarantees.In this episode of Moneywise, we break down what Small Cap, Flexi Cap, and Multi Cap mutual funds are in a clear and relatable way, ideal for beginners or anyone trying to understand how these categories function within equity investing.Here’s what you’ll learn:🚀 Small Cap Mutual Funds: Typically higher-volatility categories that invest in smaller companies. They require patience and a longer investment horizon.🎯 Multi Cap Funds: A fixed mix of large, mid, and small caps as per SEBI’s allocation framework. What this structure means for investors.🔄 Flexi Cap Funds: No fixed allocation rules. How fund managers can adjust exposure across market caps based on their assessment of conditions.We also simplify:•⁠  ⁠How each category works•⁠  ⁠Why their behaviour differs•⁠  ⁠How investors generally evaluate them based on risk level and investment horizonNo jargon, no predictions; just a clear guide to help you understand these categories before you decide which one aligns with your comfort and goals.

Large Cap vs Mid Cap Mutual Funds… but explained as matrimonial profiles?YES. And it works perfectly.In this episode of Moneywise, Virat and Rachita take the most relatable route possible… treating types of equity mutual funds like arranged-marriage and love-marriage candidates.One category represents well-established companies; the other represents growing businesses with big ambitions.No jargon. No confusion. Just a simple way to understand how these categories differ and how investors think about them.⸻🔎 Chapters00:00 Intro01:00 What Is a Large Cap Fund?02:00 Why Investors Consider Large Caps02:16 What Is a Mid Cap Fund?03:45 Practical Pointers04:50 Recap⸻🎯 You’ll Learn:Large Cap Mutual Funds: Funds that invest in the top 100 companies by market capitalisation, typically well-established businesses.Mid Cap Mutual Funds: Funds that invest in companies ranked 101–250, typically in their growth phase.How these categories differ: Business size, movement patterns, and how they behave during different market phases.How investors think about both: Based on investment goals, time horizon, and comfort with market volatility.Why some mix both: To create a diversified mutual fund portfolio aligned with long-term objectives.This is a fast, fun, story-led breakdown that finally makes Large Cap and Mid Cap categories easy to understand, without technical overload.

Is Equity really like spicy achar and Debt like cooling dahi?Surprisingly… yes! Just like a plate needs both for perfect balance, your investments can also benefit from the right mix. 🍛In this episode of Moneywise, Virat and Rachita break down Equity Mutual Funds and Debt Mutual Funds in the simplest way possible; without jargon, without hype, and without any unrealistic claims. This episode helps you understand how these two categories work, how they differ, and how combining them can support long-term financial planning.Chapters00:00 Intro01:37 What is an Equity Mutual Fund03:09 What is a Debt Mutual Fund04:30 Common Allocation Mistake08:30 Goal-Based Planning08:49 Myths vs Facts10:00 RecapYou’ll Learn: • What Equity Mutual Funds invest in and why they come with higher ups and downs • What Debt Mutual Funds invest in and how they provide relatively stable movement • Why many investors use both categories to create a balanced, goal-aligned portfolio • How beginners can think about allocation depending on time horizon and comfort with volatility • Why understanding the basics matters more than trying to “time the market”This episode is perfect for anyone starting their investment journey or trying to understand how Equity and Debt may fit into long-term potential wealth creation.Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.

Ever wondered what NAV actually means and why every mutual fund investor keeps talking about it? 🤔In this episode of Moneywise, we break down the Net Asset Value (NAV), what it really is, how it’s calculated, and why it’s not the same as your mutual fund’s performance. Whether you’re just starting your SIP journey or already exploring different schemes, understanding NAV is key to becoming a smarter investor.Join Virat and Rachita as they simplify finance concepts like:- What is Net Asset Value (NAV) per share in Hindi in mutual funds- How NAV relates to your returns (and how it’s not the only factor!)- The role of compounding wealth in long-term investing- Common myths beginners have about net asset value per shareBecause sometimes, what seems like a boring number can actually tell the real story of your investments.👉 Perfect for anyone who’s just starting with mutual funds for beginners or looking to understand the meaning of net asset value in simple terms.📍Chapters00:00 Intro00:40 What We Will Cover01:25 What is NAV02:35 Snowball Effect03:45 Step-up SIP05:17 Age-based Strategy06:12 Debunking Myths07:30 Recap

Your first SIP could be the start of your wealth story, if you do it right.In this episode of Moneywise, Virat and Rachita break down how to invest in mutual funds and how to start a SIP; no jargon, no sales pitch, just straight talk.👉 Understand what makes a mutual fund SIP investment work, how to pick a fund that fits your goals, and why consistency (not timing) drives real results.Whether you’re a beginner exploring mutual funds, or someone finally ready to set up that first SIP, this episode makes investing simple, relatable, and sustainable.🎧 Because in personal finance, clarity beats complexity every single time.

Think mutual funds are just for finance pros? Think again. 💡In this episode of Moneywise, Virat and Rachita break down everything first-time investors get wrong about mutual funds, from picking your first SIP to understanding why your bank balance isn’t growing (hint: inflation is silently eating it).Expect sharp insights, relatable money confessions, and zero jargon as we talk about: • How to actually start investing in mutual funds the smart way • Why “waiting for the right time” is the biggest mistake beginners make • Simple frameworks to build long-term wealth without feeling overwhelmedWhether you’re hoarding cash in your savings account or feeling lost in finance lingo, this episode will help you see money through a whole new lens — practical, simple, and a little bit savage.

Everyone wants to know what the right time to invest in mutual funds is, but here’s the uncomfortable truth: the perfect time was yesterday. The next best time? Today!In this episode of the Moneywise Podcast, Virat and Rachita break down one of the biggest investing myths, waiting for the “right moment”, and explain why time in the market beats timing the market every single time.They dig into how compounding actually works, why early starts matter, and how even a small delay can make a huge difference to your long-term wealth building. Expect witty banter, simple maths, and stories that’ll make you rethink your “I’ll start next month” mindset.Here’s what you’ll take away:•⁠  ⁠Why there’s no perfect age or perfect market condition to begin investing.•⁠  ⁠How to make your money work for you through the power of compounding.•⁠  ⁠Simple steps on how to start investing and stay consistent.•⁠  ⁠A clear guide on how to start SIP even if you’re new to Mutual Funds.•⁠  ⁠The long-term benefits of starting early and letting time do the heavy lifting.Whether you’re a student just earning your first salary or a professional waiting for the “right” market entry, this episode shows why one of the smartest steps you can take is to start early and stay consistent.Tune in if you’ve been wondering what the right time is to invest in mutual funds, because by the end of this episode, you’ll realise you already know the answer.Tell us in the comments: when did you start your first SIP, or what’s stopping you from beginning today?Disclaimer: The content shared in this video is for educational and awareness purposes only and should not be considered financial advice. Please consult a financial advisor before making any investment decisions. 

Ever wondered why some people with huge paycheques still end up broke by the end of the month? It’s not bad luck; it’s lifestyle inflation.In this video, we unpack the sneaky lifestyle inflation trap — that pattern where your expenses quietly grow every time your salary does. From “I deserve it” purchases to impulse upgrades, this trap can eat away at savings faster than you realise.Here’s what we break down:•⁠  ⁠What exactly lifestyle inflation is and how it creeps into your financial habits.•⁠  ⁠Why high income doesn’t automatically mean high savings.•⁠  ⁠How to spot the early signs that you’re falling into the lifestyle inflation trap.•⁠  ⁠Practical tips on how to budget and save money — without feeling deprived.•⁠  ⁠Simple ways to build a smarter budget that grows slower than your salary.If you’ve ever told yourself, “I’ll start saving when I earn more,” this video might change how you see money. The truth is, real wealth comes from discipline, not digits on a payslip.Watch till the end for a few actionable ideas on how to save money and start taking charge of your financial habits before lifestyle creep takes over.Disclaimer: The content shared in this video is for educational and awareness purposes only and should not be considered financial advice. Please consult a financial advisor before making any investment decisions.

We spend decades saving and investing, but the real test of money smarts often comes at the very end during the distribution phase of wealth creation.In this episode of the Moneywise Podcast, Virat and Rachita explore the stage that determines whether your years of hard work and saving actually translate into a comfortable life. It’s about more than just numbers; it’s about using your corpus wisely so you can enjoy retirement with dignity.Here’s what you’ll hear:•⁠  ⁠Why good retirement planning isn’t just about how much you save, but how you plan to use it.•⁠  ⁠How structuring your asset portfolio matters when you start drawing down your savings.•⁠  ⁠The often-ignored challenges of living off your investments, from inflation to healthcare costs.•⁠  ⁠Real-world stories that show why the distribution phase is as important as the building phase.•⁠  ⁠Practical perspectives on financial planning for retirement that can help you think ahead without panic.Whether you’re decades away from retirement or already planning to use your accumulated corpus, this episode will get you thinking about how to make your money last for the life you want to live.The aim is simple: to spark smarter conversations about the final stage of wealth creation, one that is as much about peace of mind as it is about managing your asset portfolio.

Most of us obsess over earning and investing… but the real game-changer in wealth creation often comes much later during the transfer phase.In this episode of the Moneywise Podcast, Virat and Rachita dig into a stage that many investors overlook until it’s too late. This is the point where decisions about how you move or withdraw your money can decide whether your wealth continues to work for you or gets eroded.You’ll hear stories, sharp banter, and a few face-palm moments as we unpack:- Why simply growing your portfolio isn’t enough if you don’t plan what happens next.- How unplanned moves during the transfer phase of wealth can undo years of progress.- Common mistakes investors make, and how poor planning has left some with far less than they expected.- The role products like a Debt Fund can play in smoothing this stage, and why rushing in or out of assets without a plan can backfire.- Practical pointers for anyone aiming to turn their savings into a sustainable financial legacy.Whether you’re just starting with Mutual Fund investments or you’re further along your journey, this episode shows why understanding all phases of investing is as crucial as focusing only on returns.

Everyone dreams of financial freedom, but here’s the truth about wealth accumulation: it often begins with the basics—saving regularly, building an emergency fund, and committing to small but steady investments like SIPs. Before you explore advanced wealth creation strategies, it helps to first build a safety net that can protect you from life’s surprises.In this episode of the Moneywise Podcast, Virat (our cautious Millennial) and Rachita (our unapologetic Gen Z) unpack why wealth accumulation is usually step one in the journey towards wealth creation. Think of it as the foundation of a house: without it, the whole structure wobbles.Here’s what we cover:•⁠  ⁠The truth about wealth accumulation: why saving and SIPs aren’t boring. They’re like your financial seatbelt.•⁠  ⁠Building an emergency fund—an underrated first move that can support your long-term journey.•⁠  ⁠Why skipping straight to step two without a backup plan often ends in stress (and regret).•⁠  ⁠A relatable wealth accumulation guide for beginners that shows how small, consistent actions can add up over time.Why this matters:Because it isn’t just about hoarding cash. It’s about building resilience. From handling sudden expenses to feeling secure enough to take calculated risks, wealth accumulation aims to help you prepare for the bigger moves in your money journey.If you’ve ever wondered where to begin, or felt FOMO seeing others chase investments while you’re still saving, this episode puts things in perspective. Virat and Rachita bring their signature mix of humour, banter, and practical insights to make finance feel a lot less intimidating.Takeaway: Before chasing growth, it helps to build safety. Financial freedom often begins with smart saving, SIPs, and a solid emergency cushion.

Ever blamed your wins on skill but your losses on “bad luck”? Or spent your money today because tomorrow felt too far away? Or maybe you bought that stock just because “everyone else was doing it”? Welcome to the tricky world of investor psychology in stock market podcast style.In this episode of the Moneywise Podcast, Virat (our cautious Millennial) and Rachita (our unapologetic Gen Z) take apart three powerful mental traps that shape how we invest, save, and spend. It’s funny, it’s relatable, and it will definitely make you go: “wait… I do that too!”Here’s what’s on the table:Self-Attribution Bias: Why we pat ourselves on the back for every win in the market, but blame external forces when things go south.Present Bias: Why we prefer instant rewards today over potential future gains, and how it shows up in both shopping sprees and stock investing for beginners.Bandwagon Bias: Why following the crowd feels safe, but may lead us straight into bubbles. Afterall, “everyone’s buying it” doesn’t make it a good choice.Why tune in?Because these aren’t just abstract theories, they’re everyday patterns. From panicking during market dips to joining in on “to the moon” hype, these biases shape how we approach the stock market without us even noticing. And spotting them is the first step to avoiding common mistakes.If you’ve ever wondered why you behave the way you do with money, whether you’re new to stock investing for beginners or have been in the game for years, this episode makes complex ideas about investor psychology in a stock market podcast style: fun, clear, and relatable.

Think you always make investing decisions with logic? Spoiler: half the time, your brain’s just running on autopilot, like ordering the same coffee every single day because it feels “safe."In this episode of Moneywise Podcast, Virat (the thoughtful Millennial) and Rachita (the unapologetic Gen Z) break down three everyday behavioral biases in investing that can quietly shape how we spend, save, and invest:•⁠  ⁠Availability Bias: Trusting the most recent or easiest-to-remember info instead of the full picture.•  Status Quo Bias: Sticking with the default in apps, in life, and even in our portfolios, even when change could help.•⁠  ⁠Familiarity Bias: Choosing what we already know (brands, stocks, funds) and overlooking other possible options.

The Indian markets keep evolving, and sector leaders often play a big role in driving that change. With the Bandhan BSE India Sector Leaders Index Fund (NFO) now open, investors have the chance to consider exposure to some of the biggest companies in India across multiple sectors through a transparent, rules-based index approach.In this episode, we break down 5 key things you should know before you invest:•⁠  ⁠How the BSE India Sector Leaders Index is designed•⁠  ⁠Why investing in market leaders across industries can bring both diversification and a degree of relative stability compared to smaller companies•⁠  ⁠The simple, index-tracking methodology of the fund•⁠  ⁠The potential role of such funds in long-term portfolios•⁠  ⁠Who may consider this type of investment optionThis NFO video will help you understand the fund structure better so you can take informed investment decisions.Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing.

Think following the crowd keeps you safe with money? Spoiler: Sometimes the herd may run straight off a cliff. 🐑📉In this lively episode of Moneywise, Virat (our cautious Millennial) and Rachita (our unapologetic Gen Z) dive into the fascinating tug-of-war between crowd wisdom and individual stupidity, and uncover 3 more biases. From fake “last day sales” to stock market frenzies where everyone is buying the same thing, they unpack why human brains are wired to trust the majority and how that can cost you big. Get ready for witty banter, sharp digs, and stories you’ll definitely relate to, as we break down:Herding Bias: Why we feel safer copying the crowd and how that can backfire in investing and spending.Anchoring Bias: How the first number we see, be it a stock price or a sale tag, messes with our judgment.Overconfidence Bias: Why thinking you’re “too smart to fail” can actually cost you more.Stick till the end for practical, easy-to-use tools to spot these biases before they mess with your money moves.

Think Gen Z and Millennials handle money differently? Spoiler: our brains play the same tricks, just in different packaging.In this fun, fast-paced episode of Moneywise, Virat (the Millennial) and Rachita (the Gen Z) take you through three big psychological biases that mess with how we make financial choices. Expect witty banter, relatable stories, and a few savage generational digs; all with one goal: to help you spot how your brain can trip you up.Whether you panic-sell like a Millennial or meme your way through fear like a Gen Z’er, the truth is: your brain is the real saboteur.Here’s what’s inside: • Recency Bias: Why yesterday’s market dip feels like today’s disaster. • Confirmation Bias: How we only see what agrees with us (even when it’s wrong). • Loss Aversion: Why losing ₹100 stings more than finding ₹100 excites.👉 Stick till the end for simple, practical tools to catch these biases before they hijack your money moves.💬 Comment with the bias you’ve caught yourself doing this week—don’t worry, we’ve all been there.

People don’t make financial decisions based on textbook rules, they make them through emotions while navigating real-life challenges. Whether you’re a Millennial or Gen Z, most advice circles back to the same old tips: save more, start a SIP, cut costs. But what about the hurdles we actually face day to day?In the Moneywise Podcast series, two generations come together for a heart-to-heart on financial planning and the real challenges behind it. Whether you’re just starting out or already seasoned, this series will help you become #Moneywise through jargon-free conversations rooted in lived experiences. Two voices, two perspectives, one goal.The podcast is hosted by Rachita Dabre, bringing the Gen Z lens, and Virat Sharma, adding the Millennial viewpoint shaped by real-world experience. Both part of the Bandhan Mutual Fund content team, they are passionate about helping people make smarter investment choices.Each episode uncovers untold truths about financial planning, budgeting, and investing. Sometimes they clash, sometimes they find common ground, but always with honesty. Tune in every Friday to find out just how similar (or different) their journeys really are.Don’t forget to subscribe!

What is portfolio rebalancing, and why is it essential for every investor? In this episode of the Moneywise Podcast, veteran Financial Advisor R. Subramanian explains how to keep your asset mix aligned with your goals. He shares simple strategies, key triggers for rebalancing, and practical guidance to help you manage risk over time. Tune in to understand why portfolio rebalancing is not about chasing returns, but about staying consistent and in control. Mutual fund investments are subject to market risks. Read all scheme related documents carefully. 

Can you build your entire investment portfolio using only index funds? In this episode of the Moneywise Podcast, Sooraj Raveendran, Founder & CEO of Index Funds Sahi Hai, explains how index funds can be used to construct a well-diversified, long-term portfolio. He also shares how investors can think about equity, debt, international, and even factor-based exposures within an index-only approach. Tune in for a balanced, practical conversation on passive investing and where it may fit into your journey.Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. 

Confused about what index funds really are? You’re not alone. In this episode of the Moneywise Podcast, Mehul Shah, Financial Advisor and Designated Partner at RIQR LLP, helps demystify index funds. With over 20 years of experience, he explains how these funds work, why they’re gaining popularity, and who they’re suited for. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.

Market fluctuations can lead to impulsive decisions—but should they? In this episode of the Moneywise Podcast, we are joined by Chetan Agarwal, Head of Corporate Treasury at Bennett Coleman and Co. Ltd., to discuss how investors can navigate market volatility with confidence. He explores the dangers of emotional investing, the importance of asset allocation, and why staying invested for the long term matters more than timing the market.

Financial planning for children doesn’t have to be overwhelming. In this episode of the Moneywise Podcast, financial advisor Hrushikesh Swain explains when to start investing, how to leverage mutual funds and smart strategies for key milestones. Learn how disciplined investing, early planning, and regular reviews can help you build a financially secure future for your child.

In this thought-provoking episode of the Moneywise Podcast, host Jude Fernando chats with Rahul Jain, a financial advisor and founder of G.R. Finvisors.  Together, they discuss how investor behaviour can significantly impact financial success. Learn about the common mistakes investors make during emotional decision-making, discover key habits for wealth creation, and understand how financial advisors play a vital role in guiding clients through market highs and lows. If you’ve ever wondered how your behaviour could shape your wealth, this episode is a must-watch!

In this insightful episode of the Moneywise Podcast, host Seetal Iyer speaks with Prateek Sinha, a seasoned wealth manager. They discuss the unique characteristics of factor funds, how they differ from traditional index funds, and why they’ve gained popularity in recent years.  If you’re interested in understanding how factors like value, momentum, and quality can influence investment returns, this episode is a must-watch!

Join us for a thought-provoking episode of the Moneywise Podcast where host Seetal Iyer interviews Kashyap Mody, Head of Treasury, Jio Platforms. They discuss the importance of asset allocation in both corporate treasury and personal finance.  They explore various asset allocation strategies, the current trends in small and mid-cap stocks, and the vital practice of portfolio rebalancing.

Join us for an enlightening episode of the Moneywise Podcast where host Seetal Iyer engages with Sadashiv Phene, a seasoned financial advisor, to discuss the intricacies of retirement planning. From determining the right age to start planning, to understanding how to grow your retirement corpus even post-retirement, this episode offers valuable insights for anyone aiming to retire comfortably, whether early or at the standard age.

Join us for a captivating episode of the Moneywise Podcast with Vinita Kejriwal, a financial advisor with 19 years of experience.  Learn how women can take control of their finances, make strategic investments, and secure their financial future.

Join us for an engaging episode of the Moneywise Podcast where host Seetal Iyer and Sukanta Bhattacharjee, a seasoned mutual fund distributor, discuss how salaried individuals can optimize their finances through investing. Discover strategies for setting financial goals, deciding investment amounts, and starting with SIPs, along with common misconceptions about investing.

Tune in for an exciting episode of the Moneywise Podcast, where host Seetal Iyer is joined by Pankaj Ladha, a seasoned mutual fund distributor. They explore how salary increments and bonuses can be golden opportunities for investment, particularly in mutual funds.  Get insights into effective investment strategies and learn about avoiding common mistakes when investing extra income.

In this captivating episode of the Moneywise Podcast, our host, Seetal Iyer, is joined by Sneha Jain, Founder of WealthTrust Capital Services. Together, they delve into the world of fables to extract timeless investment lessons, focusing on the importance of strategic planning and disciplined investing.

In this episode of the Moneywise Podcast, our host, Seetal Iyer, is joined by Iqbal Singh, Founder and MD of Innovative Financial Management (IFM).  From navigating India's growing financial landscape to practical advice on avoiding investment blunders, this conversation is a must-listen for anyone looking to make informed financial decisions.

Join us in this enlightening episode of The Moneywise Podcast as Kalpesh Ashar, an experienced Certified Financial Planner and SEBI-registered Investment Advisor, unravels the complexities of mutual funds.  With the industry's remarkable growth, Kalpesh provides clarity on how to navigate through the maze of information and misinformation. Gain insights into making informed decisions and avoid common investment pitfalls.

"Life certainly mirrors what a test match is. We all get two innings in which we need to bat. In investing parlance, that's pre-retirement and post-retirement innings. Just like test matches, your second innings will be dependent on how well you and your team have played in the first innings, and how well you've been able to handle your opposition - like your always inflating expenses - highlighting the importance of temperament and discipline. Unlike earlier times, both in cricket and in investment, coaches or trusted investment advisors play a very vital role."  Rajendra Bhatia is the MD and chief wealth strategist at Arthashastra Investments Pvt Ltd, a boutique wealth management firm with over two decades of experience. In this episode of The Moneywise Podcast,  he draws parallels between one of India's greatest passions - cricket -and financial independence. He also shows us how to strategize towards a better financial future. 

“The DNA of investing in small caps is quite different from large caps. If someone can execute great research, great risk management, I think the potential returns on offer are going to be attractive. It may need patience and tolerance for volatility.”   Mr. Manish Gunwani heads the Equity Fund Management team for Bandhan AMC Limited. He has over 25 years of rich experience, covering the entire gamut of equity research as well as fund management. In this episode of The Moneywise Podcast, he explains the concept of small caps and highlights the relevance of investing in this segment.

“Have you ever heard of a retirement loan or loan for your old age? There isn’t one. In your old age, you’re not actively earning money. You’ll spend 20 to 30 years in this phase of life but there is no loan for it. You’ll be able to pursue all your interests and contribute to society and your near-and-dear ones only if your own financial independence is taken care of. It’s never too late. Start today.”  Amol Joshi is founder of PlanRupee Investment Services, which helps investors with wealth management products like mutual funds, banking, insurance, equity broking etc. Amol has over two decades of experience in managing portfolios of investors and is often quoted widely across digital media.   In this episode of The Moneywise Podcast, Amol helps us understand the importance of retirement planning, the need for investors to start planning early and the role of mutual funds in the journey of financially securing their future.

“Like in the fable of the Hare and the Tortoise, investors have to be focused on their long-term goal and move persistently towards that goal. In long-term investing, we should not get distracted from our long-term goal and must not give in to temptations like short-term market movements.”  Kanika Kapur, Founder of Spin Wealth, has over a decade’s experience in the investment industry and is passionate about empowering women financially by helping them take control of their journey towards financial freedom. In this episode of The Moneywise Podcast, Kanika sketches the timeless tale of the Hare and the Tortoise, highlighting how investors can plan their investment journey and work towards accomplishing their goals, comparable to the victorious turtle, who was focused and did not take a break.

“You need to start early. It is 5% brain and 95% consistency. There's a doha by Kabir about this: Dheere dheere re mana, dheere sab kuch hoye; maali seenche sau ghada, rtu aaye phal hoye. So, you need to have patience. The ingredients of creating wealth - serious wealth - are patience and discipline. Only then will you derive the benefits of compounding."  Vinayak Sapre is a financial coach and speaker on a mission to spread financial literacy to 10 million fellow Indians. His book Dohanomics is a unique, unconventional take on finance that draws influence from poets like Kabir and Rahim to share financial wisdom.  Vinayak has trained close to 3000 MFDS across the country. In this episode of The Moneywise Podcast, Vinayak talks about the successful investing habits and other values that investors must cultivate if they want to achieve success in their journey towards wealth creation.  

‘The financial market is about people; therefore, there is sentiment around it – at times, very positive; at times, very depressed. The idea behind balanced advantage funds is, “How do we cushion the journey of an investor over a long period of time wherein the volatility impact can be smoothened?” That is important, therefore this dynamic asset allocation comes into play. So, you’re trying to cushion the downside. At the same time, it also tries to take advantage of the sentiment factor.”   Sachin Relekar, Senior Fund Manager – Equity at Bandhan AMC Ltd., has over two decades of rich experience in the industry. After several years of managing funds that span the full spectrum of market caps, he now focuses on quality companies that are likely to generate superior returns over the long term. In this episode of The Moneywise Podcast, Sachin helps us understand the concept of Balanced Advantage Funds, the benefits of investing and how the dynamic asset allocation strategy could help investors tide over market volatility while leveraging opportunities in the market.