Moneywise

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. 

“One important thing is to instill a habit of saving from a very early age, because most kids' early interactions with money usually involve only spending. While most women are definitely good at saving...I would like to tell them: It's time to start your investment  journey. Goal setting gives clarity and purpose on what you want to do with your money. Inflation is something that should be considered at all times. Budgeting gives a lot of control to people. The next step is having an investment strategy with help from an investment/finance professional.” Hinal Kuvadia is a Co-Founder and Principal Financial Planner at InvestorKart. She is a  Chartered Accountant(CA) and also a Certified Financial Planner (CFP). With over 13 years of experience as a Financial Planner, she regularly writes on personal finances for  the Hindustan Times & the Mint. She is passionate about helping people deal with their personal finances and achieving financial freedom at an early age. In this episode of The Moneywise Podcast, Hinal highlights how investors can plan their financial journey and avoid common pitfalls while achieving desired outcomes. 

“Financial services are a wide spectrum of investment opportunities. The segment has broadened in the last five to ten years. It's a wide sector and growing, not just restricted to banks. Fintech has also grown at a rapid pace and is enabling people to take advantage of the technology platforms etc. And all this is only going to grow.”   How do financial services benefit an investor? We are joined by Sumit Agrawal, Senior Fund Manager with Bandhan AMC, on The Moneywise Podcast. He has a very strong technical background in equity research, fundamental analysis, business valuation and portfolio management. In this podcast episode, Sumit helps us understand the financial services sector, its role in economic growth and how investors can benefit from the vast investment opportunities provided by this sector. 

“Discipline is underrated when it comes to one's financial journey. I call it the most important ingredient for your financial success. If you don't do it (take care of your finances) in a disciplined manner regularly, you're not going to able to see any considerable results. And then people come back and say, this is only for people who already have a lot of money and not something for them.”   Khyati Mashru Vasani is the Founder and Chief Financial Coach at Plantrich and VamaPlantrich LLP. She has a passion for discovering the financial DNA of individuals and helping people achieve their financial goals. She won the award for “Young Innovator in Finance” from the International Women Leaders Forum for three consecutive years. In this episode of The Moneywise Podcast, Khyati helps us understand the importance of discipline in investing and all financial matters. She also shares practical aspects that could help investors become more disciplined in all matters related to finance and investing.  

“It starts by being financially conscious, which would mean being cognizant of one's own finances first, be it earnings, savings, spending or allocating, and investing.  Where are you financially positioned at the current juncture? And where do you realistically want to be, say, 10-15 years from now?  Traditionally, finances were...handled by male members of the family. This led to conservatism...on the part of women, due to such exclusion.  Women need to understand that financial freedom opens up a world of possibilities!  With the right kind of investments, I think a woman can really secure the financial future for herself and her loved ones.” In this podcast, we're joined by Shifali Satsangee, founder and CEO of Funds Ve'daa, an award-winning financial advisory firm from Agra with a footprint across geographies. In this episode of The Moneywise Podcast, Shifali explains how women can take charge of their investment journey, set goals and create wealth. Moreover, she busts popular investment myths that dissuade potential investors. Listen to this interesting episode as Shifali highlights how people can realize their investment goals and become ‘financially conscious'.

“For me, it started with taking printouts of investment reports (for my dad) and in that process, I started understanding those reports, and began doing my own research on the same. For us, investing has been simple and goal-based. The goal and timeline of every investment is decided first. Women are great learners! We are great housemakers, we're very good at doing the things we do. With a little effort, I'm sure we can master the art of investing and do wonders for ourselves.” Kesha Shah, Co-founder of Tyche Financial Planners, is a certified financial planner from Mumbai with several years of experience, giving financial advice to diverse audiences on various platforms like FM radio, Facebook Live and in newspaper columns. In The Moneywise Podcast, Kesha talks about her journey as a woman investor, the lessons she learnt along the way and the role women play in households when it comes to investments. 

“Geographical diversification simply means investing in international markets, and that helps improve the risk as well as the return possibilities of an overall portfolio. In India, we are exposed to one country, one currency opportunities and risks, per se. When we spread our investments across different countries, we tend to benefit from the global investment opportunities, hedge our risk, and move towards achieving better portfolio returns over a period of time. US govt bonds are safer assets, globally, and any investment for a short time – say, up to 1 year – would perfectly fit the bill of an investor who wants a high-quality, low-risk, low-volatility investment.”   In this episode of the Moneywise Podcast, Sirshendu Basu, Product Head, emphasizes the importance of diversifying beyond your geography and creating a USD asset to meet potential USD expenses.

“An ELSS is a product that provides a diversified equity exposure, with a professional asset management team that is there to assess risks and help you with an appropriate risk/reward strategy. The larger opportunity in ELSS that people don't focus on, is long-term wealth creation. ELSS offers the best of both worlds (tax benefit and potential wealth creation opportunity). If you have patience, you will be rewarded.” Daylynn Pinto, Senior Fund Manager – Equity with IDFC Asset Management, highlights ELSS' as tax benefit and the potential to create wealth over the long term. In this podcast, Daylynn explains why ELSS is a good option for investors, the need to invest and the reason it is a popular tax-saving instrument.

“When we search for financial advice on the internet, we tend to search within the bounds of our own understanding of the subject. That will obviously present several limitations. We will find 1000 pages in favor of our limited opinion, and 1000 pages that argue against that very same opinion. So, the confusion never really ends. And when new knowledge, learnings, or data is added on a daily basis to such a situation, we can find ourselves in a state of decision paralysis.” Pradeep Jain, Director of Financial Products Distribution with Ranchi-based PMPK Wealth Pvt Ltd, places emphasis on financial independence for all Indians. He believes a financial mentor can help an investor overcome obstacles that show up in the pursuit of financial freedom. In this podcast, Mr. Jain explains the relevance of financial mentors during the course of the investment journey.

“For personal health, we advocate the benefits of keeping a healthy lifestyle, which includes being physically fit and eating a healthy diet that is a good balance of all nutrients. Likewise, I'm a proponent of keeping a balance in one's investment journey. By balance, I imply that you have to be disciplined, you have to be diversified, patient, and regular in one's investment process...staying healthy is not a one day, one week, or a one-month process, it's a long-term commitment. The same holds true for investments.” Our guest today is Dr. Amit Modgil, a physician and cardiologist with Suman Hospital in Ludhiana. Dr Modgil has nearly 30 years of experience, with specializations in internal medicine, cardiology, diabetes, and thyroid disorders. He has been a prudent investor and has a keen interest in the intersection of finance and health. Further, he has employed his expertise in examining the factors that determine the wellness of these two aspects of life (that are often intertwined!) In this podcast, Dr. Modgil shares his insights on how we can leverage best practices from these two aspects – both personal as well as financial.

Instead of looking at the market on a day-to-day basis, trying to invest at the lowest point and then taking out your money at the highest point, which is not always possible. If that were so easy, there would have been a supercomputer or a software to tell you when to enter and when to exit. It is impossible to time the market. The only way you can create wealth is giving time to the market. Once you have created a goal and a portfolio, don't start watching it every day!” Anupam Ghosh is the founder and managing partner of FinSecure, a modern financial services firm that provides sophisticated, cutting-edge technology to recommend personalised investment solutions. Anupam has over 20 years of experience in the industry. In this episode of The Moneywise Podcast, Anupam helps investors understand the benefits of staying invested in the market for the long-term, and not obsessing over or getting swayed by daily fluctuations.

“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 Beriwala is the CEO of Kolkata based financial advisory firm Shree Rama International and founder of Shree Rama Managers, a SEBI registered portfolio management service. In this episode of The Moneywise Podcast, Mohit explains the relevance of Target Maturity funds as an effective investment option and introduces us to the benefits provided to an investor. 

“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 Relekar, Senior Fund Manager – Equity at IDFC AMC, is a finance expert with over 20 years of experience. He has been managing funds across the market cap spectrum and focuses on quality companies that can generate superior long-term returns. He is a CFA and also has a Masters in Management Studies from Jamnalal Bajaj Institute of Management Studies. In this episode of The Moneywise Podcast, Sachin explains why Flexi cap funds could be an effective investment option and why investors should be paying attention to this category. 

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 that results in long-term wealth creation.  In this episode of The Moneywise Podcast, he discusses the clear advantages provided by financial planning, the benefits of starting investment early and the most effective ways of ensuring that you, as an investor, reach your financial goals successfully.

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 large sums of wealth. It's about budgeting, planning, and how you manage your resources. It's as simple as that!” Roopa Venkatkrishnan, Director – Sapient Wealth Advisors & Brokers Pvt Ltd, has dedicated her career of over 3 decades to helping people achieve financial independence. She has been honored by CNBC TV18 several times for her phenomenal work as a financial advisor. Roopa is passionate about communicating the benefits of compounding wealth and the opportunities that become available to investors in the pursuit of financial freedom. On the occasion of Durga Puja, The Moneywise Podcast brings an interesting episode on the topic of Money Mantras for Women, where Roopa shares various steps women can take towards investments that empower them and make them financially independent.

“...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. With two decades of experience in the field of finance, Ashish is an expert on behavioral finance. He believes investor behavior has always been a major variable in investment outcomes. In this podcast, he introduces listeners to the fascinating subject of behavioral finance and shares his valuable insights on making prudent investment decisions.

“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 planning at the age of 25 or 30, not at the age of 55! My message to (youngsters) is to start planning now.” Anup Bhaiya, founder of Money Honey Financial Services Pvt. Ltd is a renowned financial consultant who manages one of the largest retail investment networks in the country.  With two decades of experience in helping thousands of people plan their investments and retirements, Anup has acquired an enviable instinct for understanding the needs of an investor.  In this episode of The Moneywise Podcast, he explains how mutual funds function not just as mere financial products but as an investment solution to financial challenges in order to help investors achieve long-term financial freedom and security.

“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, we're talking about financial independence on The Moneywise Podcast. In this special conversation, our guest Mahesh Gattani explains how an individual can help achieve financial independence through mutual funds. According to him, the secret ingredient is patience.  Mahesh Gattani, the founder of Balaji Investments, is a veteran with nearly 30 years of experience in the mutual fund industry. He takes investment knowledge to Indians in smaller towns and districts, a customer segment that he is very optimistic about. He was the first MFD to initiate digital bulk SIPs in a single day, which is now a norm for MFDs across India.

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, has over two decades of experience in the world of finance. He feels proud to be a ‘chief dreamer'. Bharat believes savings are extremely important, and that going from a saver to an investor opens up a whole new world for the average investor.  In this episode of The Moneywise Podcast, Bharat Bagla shares effective steps that can transform people from savers to investors, and their money from passive savings to dynamic investments that could help create wealth for them.

“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 lesson about financial wisdom came from our parents, and usually, it was dad or papa or appa who insisted we save for our future. Welcome to the Father's Day Special on The Moneywise Podcast, where we discuss finance from the perspective of a father!  In this episode, Brijesh Shah, Associate Vice President, Fixed Income, IDFC Asset Management Company Ltd, and father to a daughter, shares with us how he discusses money with his children, the need to inculcate the habit of investing early, positive experiences regarding finance from an early age and the mistakes some make during their investment journey. Tune in to this fascinating conversation for timeless pearls of financial wisdom and to learn how you can talk to your family about money, savings and investment. 

(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 a decade's experience in the world of finance. Sumit is passionate about wealth creation and believes that sound financial advice will greatly benefit investors to achieve their financial goals.  In this episode of The Moneywise Podcast, Sumit explains the meaning of large-cap funds and the several advantages of this category to the investors. Also, he conveys to the listeners that if they keep investing when the market is in red, they will enjoy it when it turns green!

“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 financial planner with over 3 decades of experience. He is the founder of Dalmia Wealth Pvt. Ltd, B2B digital platform Masterstroke and the Brijesh Dalmia Leadership Company. In this episode of The Moneywise Podcast, Brijesh talks about an important approach every investor needs to pay attention to - Portfolio Diversification. He explains the concept of diversification, dynamics of the main asset classes and the need for diversification to meet financial goals.

“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 bring. It can revolutionize the way investors take their investment decisions and manage their portfolio.”  Dr. Vikash Raj, Head of Business Analytics and Intelligence at IDFC AMC, has profound expertise in the fields of AI and technology. In this episode of The Moneywise Podcast, he explains how innovations like Artificial Intelligence (AI) and Machine Learning (ML) can transform asset management and finance. He also reveals the way these technologies are leveraged to bring improvements to the finance industry and how it can help investors achieve their investment goals.

“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 advisor from the financial capital of India. Jainy  started working in 2004 in her family's stockbroking business, looking after the treasury. By investing her own money, she played a dual role – she served as an investment manager and also her own client. Talk about skin in the game! Over the years, Jainy has won several accolades to her name, including over 10 awards from top Mutual Fund companies. She was also nominated by CNBC Tv18 for the Best Performing Individual Financial Advisor - Women (West) award. She has appeared on prominent business news channels like ET NOW and FBLive, sharing her expert opinion on investments and mutual funds. In this episode of The Moneywise Podcast, Jainy Shah explains how women can manage their own money, the various reasons many Indian women hesitate when it comes to managing money, and shares tips on how they can overcome their doubts to participate in managing finances. 

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 Naanayam Vikatan, a Tamil personal finance magazine run by the Vikatan group. With a masters in physics, over a decade's experience in the E-publishing industry, and another decade in the financial advisory to over 1000 clients, Padmanaban brings impressive, wide-ranging expertise and analyses to his study of financial markets and trends, helping his audience make smart, intuitive investment decisions. In this fascinating and highly informative episode of The Moneywise Podcast, B Padmanaban explains how we can make the most of our financial resources, how our emotions can sometimes lead us astray in decision making, why equity funds may be the reliable option for creating wealth, and how an average investor truly can achieve his/her long-term financial goals.

“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 episode of The MoneyWise Podcast, Daylynn shares his insights on the relevance of Value Investing Strategy and explains how to find the ‘true value' of a stock. He also highlights that Value-investing strategy has made a comeback and investors can choose to tap the mutual funds route to invest in Value Funds.

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 Limited, is a financial whiz who proudly calls himself ‘the real one idiot' as a tribute to the lovable character from IDFC's popular 2012 short film One Idiot.  The message in the film resonated with Kothari, who then applied those investment principles and found remarkable success. In this episode of The Moneywise Podcast, Mr. Kothari shares his journey from novice to wealth creator and his best financial advice for investors. Do not miss this fun episode of The Moneywise Podcast!   

“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 invest in the market. Which sector will perform well this year? What effective strategies can you, as an investor, adopt to optimize your portfolio? Mr. Sirshendu Basu answers these and more such questions in an informative episode of the Moneywise Podcast.

“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 importance of patience for an investor. He also explains why he is optimistic about India as an investment market, and how individual Indian investors can invest in foreign stocks while ensuring security for their investment. 

“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 keep rising...growth assets like equities can actually help you beat inflation, maybe even give you a chance to really become rich over time.” In the first of this special two-part series on Moneywise, Vishal Kapoor explains the benefits of investment, the advantages of starting early, the risks that investors face, and the most common mistakes we are prone to making as investors.

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 your financial planning), and uses the formidable power of compounding to create significant outcomes for your investment. The podcast also addresses common yet important topics like the ideal tenure of a SIP, how SIPs compare to other investment options, the mindset that will help you create wealth in the long term, the importance of getting started on investment, etc. Disclaimer: MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS, READ ALL SCHEME-RELATED DOCUMENTS CAREFULLY.  The Disclosures of opinions/in house views/strategy incorporated herein is provided solely to enhance the transparency about the investment strategy/theme of the Scheme and should not be treated as endorsement of the views/opinions or as an investment advice. This document should not be construed as a research report or a recommendation to buy or sell any security. This document has been prepared on the basis of the information, which is already available in publicly accessible media or developed through analysis of IDFC Mutual Fund. The information/views/opinions provided is for informative purposes only and may have ceased to be current by the time it may reach the recipient, which should be taken into account before interpreting this document. The recipient should note and understand that the information provided above may not contain all the material aspects relevant for making an investment decision and the stocks may or may not continue to form part of the scheme's portfolio in the future. The decision of the Investment Manager may not always be profitable; as such decisions are based on the prevailing market conditions and the understanding of the Investment Manager. Actual market movements may vary from the anticipated trends. This information is subject to change without any prior notice. The Company reserves the right to make modifications and alterations to this statement as may be required from time to time. Neither IDFC Mutual Fund / IDFC AMC Trustee Co. Ltd./ IDFC Asset Management Co. Ltd nor IDFC, its Directors or representatives shall be liable for any damages whether direct or indirect, incidental, punitive special, or consequential including lost revenue or lost profits that may arise from or in connection with the use of the information. The sectors/stocks mentioned should not be construed as an investment advice from IDFC Mutual Fund and IDFC Mutual Fund may or may not have any future position in these sectors/stocks.