Money Money Money

Market regulator Securities and Exchange Board of India (Sebi) has overhauled regulation for Portfolio Management Services (PMS) in a big way. From banning upfront commission and set up fees, to increase the net worth criteria for PMS managers to hiking the investment threshold from Rs 25 lakh to 50 lakh. Money Money money discusses the new norms threadbare with Aashish Somaiyaa, CEO of Motilal Oswal AMC and Mohit Gang, CEO and co-founder of Moneyfront, and their impact on this investment vehicle widely used by rich retail as well as HNI investors.

This episode of Money Money Money podcast details the impact of Budget 2020 on the rich. With dividends being taxed in the hands of the individual, will business trusts stop being a lucrative tax-efficient option? A tax collected at source on remittances, stricter residency rules for NRIs — Budget 2020 offers little relief for the high net-worth individuals. Tune in!

The union finance minister Nirmala Sitharaman has announced a new tax regime. Should you stick to the old structure or move to the new one? Are ULIPs more attractive than mutual funds now? How does the budget impact NRIs?  CNBC-TV18 answer all your questions in this special episode of Budget & You. We are joined by Archit Gupta, founder and chief executive officer of ClearTax and Rajiv Bajaj, chairman and managing director of Bajaj Capital, to discuss these issues?

Will the union finance minister Nirmala Sitharaman put more money in the hands of consumers? Will there be a cut in personal income tax? What will this union budget 2020 mean for your finances? As we countdown to the mega event, Money Money Money gets you the all-round expectations from budget with Aashish Somaiyaa, managing director and CEO of Motilal Oswal AMC; Kamlesh Rao, managing director and CEO of Aditya Birla Sun Life Insurance, Ishita Sengupta, partner for personal tax at PwC India and NS Venkatesh, chief executive officer of AMFI.

After Corporate India, banks, NBFCs, real estate and infrastructure companies, will the government finally turn its attention to the 'aam aadmi'? Will union budget 2020 put more money in the hands of we, the people and in turn give a consumption boost to the economy? We have a studio full of audience and a panel of experts. Answering your questions today are Kalpen Parekh, president of DSP Investment Managers; Radhika Gupta, CEO of Edelweiss Asset Management and Ashish Shanker, head - investment advisory, Motilal Oswal Wealth Management. From the tax world, we have Mayur Shah, partner, EY India and Parizad Sirwalla, partner and head of global mobility services, tax, KPMG India. 

17 days to go before we know what the government has in mind for you and me and common folk like us in 2020. Yes, the Union Budget is around the corner. Corporate India has had its share, industries have seen many relief measures as well, so will it be the aam aadmi's turn this time? As we wait for the big day, here is your tax refresher. Joining us on this edition of Money Money Money is Homi Mistry, Partner at Deloitte India and Harsh Roongta of www.harshroongta.com.

This edition of Money Money Money is for those who are looking to take a loan for discretionary spends. What will the banking industry offer its credit card and personal loan customers in 2020? Will interest rates get cheaper and what's the best way to borrow smart? We discuss this issue with Sudipta Roy, head of unsecured assets at ICICI Bank and Navin Chandani, the chief business officer of Bankbazaar.

As 2019 draws to a close, we tell you the top investment ideas for the next year. This week on the show, Feroze Azeez, deputy chief executive officer of Anand Rathi Financial Services and Gaurav Mashruwala, certified financial planner, talk about the key mistakes to avoid while investing your hard-earned money.

 As 2019 draws to a close, we focus on key lessons learnt in the year gone by and how to manage money in the coming year.  NS Venkatesh, chief executive officer of AMFI and Nimish Shah, head of investments, BNP Paribas Wealth Management are the guests on the show. 

As 2019 draws to a close, we tell you the top investment ideas for the next year. Know the key mistakes to avoid while investing your hard-earned money.  Joining us on this edition of Money Money Money is Feroze Azeez, deputy CEO of Anand Rathi Financial Services and Gaurav Mashruwala, certified financial planner.

The government has launched India's first CPSE Bond ETF i.e. Bharat Bond ETF and it is open for subscription for retailers till December 20.  In this edition of Money Money Money, we analyse the advantages and challenges of Bharat Bond ETF. Joining us on this edition of Money Money Money is Ashish Shanker, Head of Investment Advisory at Motilal Oswal Private Wealth Management. 

After the debt crisis, another event that has dented investor’s confidence is the mess at Karvy Stock Broking. What led to the debacle? Are brokers misusing your power of attorney? How can you protect yourself?  Joining us on this edition of Money Money Money is Deepak Shenoy, founder of Capitalmind.in; Vivek Bajaj, co-founder of StockEdge; HP Ranina, a corporate lawyer and Bharat Chugh, Partner, L&L Partners & former judge. 

Have you started saving for your life post-retirement? India ranks better in Mercer Global Pension Index 2019 but have you thought about the best investment tools to save for your silver years? If you don’t want your hair to turn grey by doing all the retirement math, tune in to our Money Money Money podcast. Guests on the show are Preeti Chandrashekhar, business leader at Mercer India and Mohit Gang, chief executive officer and co-founder of Moneyfront.

As the charges for unit-linked insurance plan (ULIPs) drop drastically, CNBC-TV18 take a look if it’s worth your while to look at the new-age ULIPs. Also, an interesting chat with Kshitij Mahajan, co-founder at Complete Circle Consultants on some of the mutual fund houses that offer insurance cover for free.

In this episode of Money Money Money, we throw the spotlight on debt funds. The world of debt mutual funds has gone through a major churn over the last 15 months. Some new regulations have come in and a lot of first-timers who were just beginning to dabble in this new universe of debt mutual funds are fairly confused. This week, CNBC-TV18 spoke with Nasser Salim, Managing Partner at Flexi Capital, to discuss the debt mutual funds threadbare and the risks associated with such products.

In this episode of Money Money Money, we help you plan for your child’s future. Experts on the show are Amit Kukreja, investment adviser & founder of AmitKukreja.com and Mahavir Chopra, the chief business officer at Coverfox.com.

In this episode of Money Money Money, we de-mystify factor-based investing, the concept of smart-beta, single-factor, multi-factor funds and why passive funds should be an integral part of portfolios. Experts on the show are Akash Jain, Associate Director, Global Research & Design of S&P Dow Jones Indices and Anil Ghelani, Head of Passive Investments & Products of DSP Investment Managers.

In this episode of Money Money Money, CNBC-TV18 decode the investment trends of the “Super Rich” with Somnath Mukherjee, managing partner of ASK Wealth Advisors and Amrita Farmahan, chief executive officer of Ambit Wealth Management.

Is this episode of Money Money Money, we throw the spotlight on gold as an investment option. Experts on the show are Harsh Roongta of www.harshroongta.com, Surendra Mehta, secretary of India Bullion & Jewellers Association and Naveen Mathur, director (commodities and currencies) of Anand Rathi.

The new, stringent traffic rules have been the talk of the town. The government is cracking its whip and imposing hefty fines if you don't follow the rules. As if that wasn't enough, there is a buzz that even the IRDAI may link your motor insurance premium if you violate traffic rules. All this is definitely as a setback for bad drivers but how does it impact your finances? Is linking insurance premium a little too much given the already heavy fines? To discuss these issues, CNBC-TV18’s Surabhi Upadhyay is in conversation with Anup Rau, chief executive officer and managing director of Future Generali India Insurance Company and Sajja Praveen Chowdary, business head of motor insurance at Policybazaar.com.

Asset allocation is a fundamental starting point of any financial plan. Having the right mix of debt and equity is a key element on which your portfolio rests. While asset allocation can be done by using separate instruments for fixed income and equity, the market also offers hybrid funds that promise to give us the best of both worlds. This week on the show, we discuss hybrid funds threadbare - their types, the Sebi definitions that define their scope and their relevance in your portfolio. Joining me are Ankur Maheshwari, CEO of Equirus Wealth Management and Manoj Nagpal, managing director and chief executive officer of Outlook Asia Capital.

Slowdown blues have meant several rate cuts by the Reserve Bank of India (RBI) over the last few months. In fact, the RBI slashed the repo rate by 35 basis points in the last policy earlier this month. The central bank has also been aggressively pushing for better transmission - simply put, the RBI wants banks to pass on these rate cuts to borrowers in the form of cheaper loans. Another key development that borrowers need to be aware of is 'external benchmarking' - this will have a significant bearing on the rate of interest that you would have to pay on that home or car loan. So will rates fall further? What should old borrowers do? When should you think about switching that home loan? In this episode, we discuss all these issues with Navin Chandani, chief business development officer at BankBazaar and personal finance expert Harsh Roongta.

It’s been almost two months since the fixed income market was hit with the DHFL downgrade. While the company subsequently made the payment it had missed on June 4, liquidity problems persist not just with DHFL but with a raft of entities within corporate India. Jet Airways, Zee, Eveready, McLeod Russel, Cox and Kings…the list of stressed companies, rating downgrades and defaults has become longer and longer. In this environment, how should investors approach debt mutual funds? Is credit really a bad word? Are there any relatively safe funds one can 'hide' in and hopefully also earn better returns than a fixed deposit? We take this conversation forward with Amit Tripathi, CIO, fixed-income investments at Reliance Nippon Life Asset Management and Feroze Azeez, deputy CEO of Anand Rathi Financial Services.

Union Budget 2019 hasn't ushered in too many sops for the common man, but it does seek to increase the tax on the rich. However, there is some relief if you are looking to buy an affordable home but there is a higher tax burden when it comes to life insurance. Here's your post-budget analysis.

This week on Money Money Money, we get you ready for the monsoon! Know the right insurance coverage to take care of your car and home.  In this show, we talk to Raghavendra Rao, head of retail at Future Generali India and financial planning expert, Harshvardhan Roongta.

Troubled Dewan Housing Finance's (DHFL) Rs 1,150 crore missed payment on June 4 proved to be the debt market's worst fears coming true. What followed was a rating downgrade and markdowns across mutual funds holding DHFL debt. While the company has now made this payment in the promised time frame, debt investors are still nursing losses. So, what is the way forward in the world of fixed income mutual funds? How much longer will this default storm rage? What should you do if you are in one of the affected funds? This week, we answer some of these important questions putting the spotlight on the state of the fixed income market. In this episode of Money Money Money, we are joined by Kaustubh Belapurkar of Morningstar India and Raghvendra Nath, managing director of Ladderup Wealth Management.

FY19 was a roller coaster year for all investors including the super-rich. Credit market rumblings, equity market volatility and election uncertainty meant tepid returns and even losses in some cases. With the hope of an economic revival and a strong majority government back in power, what will FY20 hold in store for the high net-worth individual (HNI) investors? What is the right asset class mix? What are the products one can look at and what is the risk mitigation approach to keep in mind? We raise all these issues with Anshu Kapoor, head, Edelweiss Private Wealth Management and Gaurav Awasthi, senior partner, IIFL Wealth Management.

Finances are important at every stage of life and perhaps they become most important when we hit retirement. Maintaining the quality of life is possible if you've planned well in advance and also if you are smart and prudent with your money once you turn 60. This week on the show, personal finance expert Amit Kukreja joins us to talk about how senior citizens can ensure they live well and remain financially independent in their post-work years.

Financial planning is required at every stage in life in order to live well and realise your goals. This exercise takes new dimensions when there's a life partner in the picture. So, how should couples look at aligning their ideas goals and finances - what are the do’s and don'ts that can help you move forward on the path of financial independence and fulfilment - that's what we discuss this edition of Money Money Money. Joining us is personal finance expert, Amit Kukreja of amitkukreja.com. Also joining us all the way from Delhi to share their story today is a couple that's chosen the financial planning path to secure their future.

As the new regime for lower expense ratio kicks in, what are the top mutual funds you should look at?  Feroze Azeez of Anand Rathi Financial Services lists out top 10 mutual funds which will see a big impact post-Sebi's new expense ratio structure.

As the new fiscal year begins, what are the key investment options you should look at and what are the lessons learnt in the fiscal year gone by? Tune in to this podcast of Money Money Money, where the top team from SBI Mutual Fund tells you about the right allocation mix for FY20 and what types of funds can make you money in this year. Joining us on this edition of Money Money Money is Ashwani Bhatia, managing director and chief executive officer, SBI Mutual Fund; Navneet Munot, executive director and chief investment officer, SBI MF and DP Singh, executive director and chief marketing officer, SBI MF.

The weeks have turned into months and the months have turned into a whole year, and here we are, saying farewell to FY19 and saying hello to FY20.So as a brand new financial year rolls in, how will it possibly be for your wealth, and your money?  And what are the things to keep in mind from a personal finance discipline standpoint as we start afresh this New Year? Joining me in today's show are Aashish Somiya, CEO, Motilal Oswal MF; Feroze Azeez, deputy CEO, Anand Rathi Private Wealth and Prashant Thakur, head of research, Anarock.

The Supreme Court via its judgement in early March has brought about certain sweeping changes in the savings that end up forming the Employees' Provident Fund Organisation (EPFO) corpus.  The court ruled that not just basic salary, but special allowances paid out by an employer should also be considered while calculating the contribution to the employee provident fund. This means lesser take-home salary in the immediate term, but a larger retirement corpus when you leave the workforce. While the order came on March 1, several questions with regard to its implementation still need to be answered. And we hope to do just that on this week's episode. My guests on the show are Preeti Chandrashekhar, India business leader, Mercer and Puneet Gupta, tax director, EY India.

In this edition of Money Money Money, we put the spotlight on Unit Linked Insurance Plans or ULIPs. Is it worth your while to put money in a product that offers insurance and investment together or should you be opting for separate insurance and investment tools? We discuss all that and more with Manoj Nagpal, managing director and chief executive officer of Outlook Asia Capital.

This Women’s Day, we decided to talk about women and their approach to money, both in a professional capacity and at a personal level.  Joining us on this edition of Money Money Money is Radhika Gupta, chief executive officer, Edelweiss Mutual Fund and financial planning expert Harsh Toongta.

We are in a brand new year and any talk about investment or wealth planning is incomplete in India, until one touches upon real estate. Even though the last few years have seen a lot of traction in financial assets, property does remain on the average investor and home dreamer's radar. So, will 2019 prove to be an actual bottom for the sluggish realty market? Should you look at long term investment now, or is it best to steer clear of this asset class this year. CNBC-TV18's Surabhi Upadhyay talks with Gulam Zia, executive director, Knight Frank India and Samir Jasuja, founder and chief executive officer, PropEquity.

2019 will see some big changes in the manner in which mutual funds are sold and distributed in India.  Market regulator Sebi has changed the way in which commissions can be paid out to mutual fund distributors, and has also come up with certain guidelines when it comes to seeking investment advice from financial planners.  On this week's episode of Money Money Money, we go over some of these important changes with personal finance expert Gaurav Mashruwala. 

What will 2019 have in store for mutual fund investors?  In conversation with Reliance Mutual Fund to find out how your fund managers are weaving through market volatility.

As 2018 draws to a close, Money Money Money looks at key trends that shaped personal finance this year and puts the spotlight on wealth creation and management in the new year.  Which asset classes are likely to do well? What should your asset allocation mix be? Is it a good idea to invest in gold and real estate in 2019?  Surabhi Upadhyay talks to Abhijit Bhave, CEO, Karvy Private Wealth, Samir Jasuja, co-founder, Prop Equity and Kunal Shah, head of commodities and currency research, Nirmal Bang Commodities 

The storm  surrounding the fixed income market finally seems to be settling.  On this episode on Money Money Money, Lakshmi Iyer of Kotak Mutual Funds, Ashish Shanker of Motilal Oswal Private Wealth Management and Vidya Bala of Fundsindia.com help clear doubts and identify some of the debt funds that are worth looking at. 

Eight months of the financial year are over which means it is a good time to take stock of your investments and tax saving plans.  Also, in case you have got any queries from the tax department, its a good idea to get familiar with the e-assessment process which is the norm from this year on.  Helping us understand these nuances we have Mayur Shah, partner at EY in this edition of Money Money Money .

On this week's episode of Money Money Money, we focus on the topic of retirement planning and identify the best options available out there to ensure you get to live life your way in your golden years.  We weigh up these options with Feroze Azeez of Anand Rathi Private Wealth Management. 

Mercer, a human resources consulting firm, along with Australian Centre for Financial Studies and Monash University has released its 10th Melbourne Mercer Global Pension Index for the year 2018.   This index compares retirement and pension systems across the world and the news for India is not good. The country finds itself in the lowest category and has slipped from last year's ranking as well. So, what are the shortcomings in our pension and retirement set-up and what are the best options that working individuals can go for to secure our post work life? We discuss with Preeti Chandrashekhar, business leader, Mercer India and Gaurav Mashruwala, financial planning expert.

On this week's Money Money Money - Children's Day special episode, we answer the questions all parents have on how to secure their child's future, and the right insurance products to make sure their kids are well taken care of. We discuss all that and more with Abhijit Bhave, CEO of Karvy Wealth, Harsh Roongta, PF Expert & Shweta Aggarwal of Ideal Insurance Brokers.

Diwali is a time for festivities and a time to think about wealth creation. This week Money Money Money catches up with the top bosses of Aditya Birla Sunlife Mutual Fund where we discuss the portfolio call. Whatsort of funds that make sense in the current market environment, asset allocation and a view on fixed income?

In this episode of Money Money Money, we talk with Kshitiz Mahajan, co-founder of Complete Circle Consultants about Term Insurance Plans that have interesting add-on covers to them.

The last few weeks have been a roller coaster ride in financial markets. A big fall in equities, rise in interest rates, weakness in the rupee and volatile global cues have taken their toll on the street and probably on your mutual fund NAVs as well. This is not a time to panic but perhaps a time to re-check your short term goals and fund requirements and accordingly take stock of your portfolio. That's exactly what we discuss with Anupam Guha, head of wealth management at ICICI Securities and personal finance expert Hemant Rustagi.

In a major overhaul of the mutual fund fee structure, Sebi has announced a reduction in total expense ratio. Not just this, Sebi has also announced that the mutual fund industry must adopt the full-trail model of commission in all schemes.  How do these changes impact the investor and the industry, we discuss with Aashish Somaiyaa, CEO of Motilal Oswal AMC, Feroze Azeez, deputy CEO of Anand Rathi Financial Services, Nimish Shah of SBI Wealth Management and A Balasubramanian, CEO of Aditya Birla Sun Life AMC.

Health cover is probably the first financial product you need to buy even before life insurance or a mutual fund investment.  In this edition of Money Money Money, we talk to Rahul Agarwal, founder, 121policy.com to turn the spotlight on specific situations like diabetes, cancer and what products the health insurance industry offers to cover these ailments. We also discuss the options available for senior citizens when it comes to getting a health policy.

Market has seen a flurry of New Fund Offers in recent months, in this edition of Money Money Money we talk to Kaustubh Belapurkar , director-Fund Research, Morningstar Investment Adviser about some of the new thematic funds and ETFs. We also throw spotlight on the Morningstar’s investor experience study and where do Indian mutual funds stack up.