Temperament by 1 Finance

We live in an age where SIPs, insurance plans, and retirement calculators are just a tap away. But despite the access and awareness, most of us hit pause before the plan plays out.In this episode, we unpack the deeper forces that derail long-term financial consistency. It's not just about knowledge—it's about belief, emotion, and behaviour. We discuss:Why short-term temptations overpower long-term intentions?How emotional disconnect makes us abandon well-meaning plans?The hidden influence of childhood money patterns and identity triggers.What makes someone stick with a plan—and why another quits halfway?Behavioural hacks to build consistency, from micro-actions to meaningful goals.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Why are so many people in India risking their money on betting apps? Once seen as shady or underground, betting platforms have now gone mainstream—gamified, glamorised, and accessed by millions. But behind the thrill of the game lies something deeper.In this episode, we explore the behavioural psychology behind betting, how it hijacks our decision-making, and why breaking the cycle is so hard. We discuss:Why betting apps feel more exciting—and more accessible—than long-term investing?How algorithms are designed to reward you just enough to keep you hooked?The psychological traps of sunk cost, illusion of control, and herdingHow childhood, income level, and financial stress shape our money risksWhat it really takes to walk away—from self-exclusion to professional help?*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

What if aviation wasn't just for airlines anymore? From private charters and drone academies to electric aircraft startups and infrastructure plays, India's aviation sector is quietly opening up to a new kind of investor.In this episode, we explore how aviation is becoming a serious investment opportunity—beyond just aircraft ownership—and what you need to know before stepping in. We uncover:Why charter plane leasing and fractional ownership are gaining investor interestHow deep-tech startups are building electric aircraft for urban mobilityThe growing role of drones in agriculture, logistics and defenceHow pilot training and aviation EdTech could become the next big opportunityWhy EVTOLs (electric vertical takeoff and landing aircraft) are creating an entirely new ecosystem for long-term playsWatch full conversation with Capt. Shivan M Bhagvati : https://youtu.be/CXy-Wj8XKb4?si=qfKpoC-3xftH_y6_*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

What do the ultra-wealthy know about money that most of us don't? As India witnesses a historic rise in multi-generational wealth, the real secret isn't just better investing—it's a completely different way of thinking.In this episode, we dive into the psychology, systems, and temperament that shape how HNIs preserve and grow wealth across decades. We explore:Why creating wealth is not the same as preserving it?How the ultra-rich plan 30–50 years ahead—often for family members not yet born?The emotional side of money—fear, secrecy, social pressureHow family constitutions keep values and power aligned across generations?Why liquidity, not luxury, is often their biggest strategic edge?Watch full conversation with Munish Randev : https://youtu.be/4a47oKIOoZ4?si=CFhyImuUHIcO6Jts*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

What if your retirement lasted longer than your career? With rising life expectancy and changing family dynamics, the traditional idea of retirement—saving till 60 and resting after—no longer holds up.In this episode we speak to experts across finance, health, and longevity to understand how aging is evolving in India. We explore:Why most retirees run out of money within 15 years?The financial and emotional risks of living longerHow to plan for 30-40 years of retirement, not just 10 or 15Why extending your working years might be the smartest move?The growing need to invest in health, not just wealthWatch full conversation with Jitendra Chouksey: https://youtu.be/e0sRTsRWxDM?si=fmG9hcQRSK_MZuciWatch full conversation with Upasana Koul: https://youtu.be/v684N5MLajA?si=J-MmppnUqhPrvMwV*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Managing money isn't easy—budgeting, saving, investing—it all takes time and effort. But with AI entering the scene, personal finance is undergoing a major shift. From automating expense tracking to offering personalised investment advice, AI is starting to reshape how we manage our money.In this episode we explore how AI is revolutionising personal finance in India? We dive into:How AI is bridging India's financial literacy and advisory gapThe rise of AI-powered tools for budgeting and investment decisionsWhy AI can support but not replace human financial advisorsThe role of personality-based finance and real-time personalisationRisks around data privacy and unregulated AI toolsWatch full conversation with Sonam Srivastava: https://youtu.be/rrwQ-HdKVkk?si=dKE0nImLrbkvbYwl*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Love and money—two forces that shape our lives. When they align, they build security and shared dreams. But when they clash, they lead to stress, conflict, and even breakups. Studies show 35% of couples cite money as their biggest source of stress, and 22% of divorces happen due to financial disputes.Yet, for something so crucial, money is often the hardest thing to talk about. Couples plan vacations, discuss the future, and set life goals—so why does discussing finances feel so awkward?In this episode we dive into:Why money conversations are so uncomfortable in relationshipsThe concept of “money dates” and how couples can structure financial talksCommon money mistakes couples make—and how to avoid themHow different financial personalities impact a relationshipManaging finances as a couple: Should everything be joint or kept separate?Watch full conversation with Lisa Pallavi Bohra: https://youtu.be/NfQpYlNGv3A?si=2z7aARkyE6qqVNOh*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Divorce is never just emotional—it's a financial earthquake. From splitting assets and debts to navigating alimony and future responsibilities, separating finances is often more complicated than ending the relationship itself.But here's the big question: How do you protect yourself financially before, during, and after a divorce? And what are the biggest money mistakes couples make that leave them vulnerable?In this episode, we unpack:The financial red flags to watch for during a marriageHow asset division actually works in Indian divorcesWhy financial transparency between partners is non-negotiableEssential steps to rebuild your finances after separationReal-life stories of financial blind spots that turned into nightmaresWatch full conversation with Aditi Mohoni: https://youtu.be/-Ir0szqH4_s?si=1cKJuu-i-wrY1hQC*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Investing usually brings to mind stocks, bonds, and real estate. But what if we told you that art—yes, paintings and sculptures—can also be a serious asset class? While some pieces sell for millions, others fade into obscurity. So, what makes art a valuable investment, and how do you know if it's worth your money?More people, especially in India, are beginning to see art as more than just decoration. But before diving in, it's important to understand how the market works and the risks involved.In this episode, we explore:How art is valued and what drives its priceThe influence of galleries, museums, and collectors on an artist's market valueKey factors that separate good investments from emotional purchasesEmerging trends like fractional ownership, NFTs, and art leasingWhether art should be a part of your investment strategyWatch full conversation with Pratik Sharma: https://youtu.be/PFxVo5jY3Ac?si=w_T8eG2r4ZaJgsYZ*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Have you ever felt guilty about spending money, avoided checking your bank balance, or worried about finances even when things were going well? You're not alone. Our relationship with money isn't just about income and expenses—it's shaped by past experiences, deep-seated beliefs, and even generational patterns.But here's the big question: How does financial trauma shape our money habits, and what can we do to break free from it?In this episode, we explore:How past financial experiences influence your decisions todayThe emotional impact of growing up with scarcity or financial instabilityCommon money fears and how they manifest in adulthoodPractical ways to heal financial trauma and build a healthier money mindsetWatch full conversation with Dr. Nitasha Pandey: https://youtu.be/m2bL8UXz0UA?si=_6RyFAeOtTInOg9K*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

In recent years, India has witnessed an unprecedented surge in personal loans, credit card spending, and household debt. With digital platforms making borrowing as easy as a tap, access to credit has never been faster. But as loans pile up, so do the risks. Are we on the brink of a credit bubble, or is this just the natural evolution of a growing economy?In this episode, we explore:The driving forces behind India's credit boom and how it compares to past financial crisesThe shift from corporate to household borrowing and its implications for the economyThe role of fintech in reshaping India's lending landscape and the risks of over-leveragingEarly warning signs of a debt trap and how to avoid falling into oneThe regulatory measures in place to prevent a crisis and whether they're enoughWatch full conversation with Radhika Pandey: https://youtu.be/8507vYwKYmI?si=YkmASQJlRHnF5YIwWatch full conversation with Bhavin Patel: https://youtu.be/7AxbRUISzIE?si=d0ZoVtv0SlH1F3ef*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

You've been investing in Indian stocks, tracking market trends, and watching your portfolio grow. But have you ever considered looking beyond borders? In 2024, the S&P 500 (when converted to rupees) outperformed India's stock indices, and with the rupee hitting record depreciation against the dollar, global investing is becoming more relevant than ever.But here's the big question: Should you invest in US markets? And if so, how do you navigate currency risks, taxation, and the right investment strategies?In this episode, we break down:Why Indian investors are increasingly looking at US equitiesHow currency fluctuations impact your global returnsThe behavioral biases driving this investment trendKey regulations, tax implications, and the role of Gift CityCommon mistakes to avoid when investing internationally*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.Watch full conversation with Devina Mehra: https://youtu.be/lq9gU4zY7aM?si=m__QT_553mR3yZxAWatch full conversation with Neil Borate: https://youtu.be/6pnK9un7aZI?si=mw3oPQdCIKNyPZf2

Indians have a deep-rooted love affair with gold—it's a family heirloom, a financial safety net, and a symbol of prosperity. With over 24,000 tonnes of gold owned by Indian households, our obsession isn't just cultural—it's economic.But here's the bigger picture: Why do governments, central banks, and investors continue to trust gold in an era dominated by stocks and cryptocurrencies? And how has gold evolved from a physical asset to digital investments like ETFs and sovereign gold bonds?In this episode, we break down:How gold serves as a hedge against inflation and economic downturns?Why central banks are accumulating gold at record levels?The psychology behind India's unwavering faith in goldThe shift from traditional jewelry to modern gold investment optionsHow much gold should actually be in your portfolio?Watch full conversation with Sachin Kothari: https://youtu.be/buLuCqBWMbs?si=WU09iu2tJuYHND*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Retirement: the word conjures up images of leisurely pursuits, travel, and finally having the time to do the things you've always dreamed of. But for many Indians, the reality is far from idyllic. With a significant portion of the population yet to start saving, and existing savers plagued by anxiety about their financial future, retirement looms as a distant and uncertain prospect.In this episode, we delve into the anxieties and aspirations surrounding retirement in India. We'll explore:Retirement Reality: Why are so many unprepared?Retirement Products: NPS, PPF, and other options.Best Fit: Finding the right products for you.Planning Better: Setting goals, budgeting, and investing.Listen to full conversation with Rajani Tandale: https://youtu.be/Nv4QhBsn0AI?si=0oUCfH7WwE2qJOApListen to full conversation with Kuldeep Parashar: https://youtu.be/QQdYu66zMr8?si=tkKBru-OhGzUaYneListen to full conversation with Sriram Iyer: https://youtu.be/H2laCAidZcc?si=_dweY-fRwHffyY*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

The Indian wedding industry is worth a jaw-dropping $130 billion—double the size of the U.S. wedding market and nearly 1.5 times the GDP of Sri Lanka. With over one crore weddings happening annually, the average family spends twice as much on a wedding as on education, showcasing the cultural and emotional significance of these grand celebrations.But here's the question: How do you balance creating the wedding of your dreams with financial security, especially when unexpected costs can quickly spiral out of control?In this episode, we tried to understand the financial dimensions of Indian weddings and discuss:The cost spectrum of Indian weddings, from ₹30 lakhs to ₹35 crores.Emotional and social pressures that drive overspending.Real-life budgeting challenges and surprises.How inflation has tripled wedding costs in recent years.Smart post-wedding financial planning tips.Watch full conversation with Pratik:https://youtu.be/E5LPpIdj-o4?si=LHoJ17VgrwPZEsvF*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Have you ever imagined owning a share of a premium commercial property in a bustling corporate hub—earning steady income without shelling out hundreds of crores upfront?What if we told you this isn't just a far-fetched dream? Picture yourself owning a piece of an iconic skyscraper or reaping dividends from India's most coveted real estate, all without the hassle of managing tenants, dealing with maintenance, or shouldering massive costs. Sounds enticing, doesn't it?Welcome to the world of alternative real estate investments—a revolutionary space making premium properties accessible through innovations like REITs and fractional ownership.In this episode of Temperament, we dive into:How REITs are democratizing real estate by allowing you to invest with just a few thousand rupeesThe concept of fractional ownership and how it's transforming the real estate landscapeA comparison between traditional property ownership and these modern investment toolsWhy alternative real estate investments are gaining traction and what they mean for you as an investorWatch the full conversation with Shiv Parekh: https://youtu.be/oWqY75h2uIM?si=FEJ99RoixrPclzydWatch the full conversation with Ashish Khandelia: https://youtu.be/k5LgAUhV-eA?si=HOruvdQ1J017HBWN

The price of everything you buy—the chai you sip, the gas you fill, the stocks you invest in—isn't just about supply and demand. It's part of a much bigger web of forces at play, one we often hear about but rarely stop to understand: macroeconomics.Think about it. When inflation rises, your money buys less. When GDP grows, it could mean more jobs and higher incomes. And when the government shifts policies, your taxes, investments, and even daily expenses can take a hit. These aren't just numbers—they're signals shaping your everyday life.Hence, in this episode of temperament we explored What inflation really costs you? Why government policies matter more than you think?How India's bold vision of becoming a developed country by 2047 could rewrite the rules of the game.

Short-term rentals have emerged as a popular avenue for passive income, with India becoming a key player in this trend. According to Amanpreet Bajaj, Airbnb India's General Manager, the country is one of Airbnb's fastest-growing markets.In 2023 alone, Airbnb saw a 30% increase in nights booked across India, with domestic bookings skyrocketing by 110%. As Indians embrace travel and look for stays that combine comfort with unique experiences, short-term rentals are booming.But is running an Airbnb or a short-term rental as straightforward as it seems?In this episode of Temperament, we dive into:The challenges of starting and managing an AirbnbThe rapid growth of short-term rentals in IndiaTop markets to consider for investmentThe costs, returns, and profitability of short-term rentalsWatch the full conversation with Amit: https://youtu.be/uCzfGf8n7_o?si=HZNUc-2Q7WuT-IKVWatch the full conversation with Rafique: https://youtu.be/d_yxRKXt2CI?si=dUq0bKAgc2DF6X8a*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

"Mutual Fund Sahi Hai"—a phrase we've all heard. And the numbers prove it.India's mutual fund industry has experienced remarkable growth, expanding sixfold in the last decade to manage an impressive ₹61.33 trillion by mid-2024. It's clear that more Indians are harnessing the power of compounding and making their money work for them.Yet, here's the paradox: 97% of investors discontinue their SIPs within five years. If mutual funds are so effective, why do so many struggle to stay invested long-term?In this episode of Temperament, we uncover the answers. We discussedWhy mutual funds are essential for every investor.Behavioral biases affecting both fund managers and investors.The reasons behind India's low mutual fund penetration.Common mistakes investors make—and how to avoid them.Watch full conversation with Gajendra: https://youtu.be/1IopPA-4My0?si=k1_NnsJXn63y0aOlWatch full conversation with Swarup: https://youtu.be/CumXmEiV_1A?si=h_dYWPA6ZqO0CoVO*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Every startup success story makes angel investing look irresistible. From Sanjeev Bikhchandani's 4.7 crore investment in Zomato turning into 15,000 crores to early investors making 200x returns, these astronomical numbers are capturing everyone's attention. But behind these headline-grabbing exits lies a complex world of calculated risks and strategic decisions.In this episode, we dive deep into the realities of angel investing and explored What separates successful angel investors from those who lose money?Essential factors to evaluate before writing your first investment checkStrategic frameworks to identify promising startupsWhy most angel investors fail despite backing innovative ideas?Emerging sectors that could produce the next generation of unicorns*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Ever noticed how your Instagram feed seems to read your mind, showing you exactly what you "need" when you're feeling down? A tailored collection of clothes, gadgets, and home decor pops up, promising to fill a void you hadn't even recognized until just moments ago.In 2023, a Deloitte survey of over 114,000 adults across 23 countries found that nearly 80% made at least one splurge purchase in the past month to boost their mood—even though only 42% felt they could afford it.In this episode, we dive into the world of retail therapy, discussing:Why we turn to shopping as a coping mechanism?How brands leverage our emotions to drive spending?The role of technology in encouraging impulsive purchasesPractical steps to curb impulse buying and better manage financesWatch full conversation with Chandralekha: https://youtu.be/Dh59C7-PJE8?si=wVSqWqMy9uJ2QQkV*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Dubai real estate is making waves, especially on social media. Everywhere you look, someone is either promoting the benefits of investing in Dubai or showcasing its luxury properties. It seems like everyone is jumping on the Dubai real estate bandwagon, and the hype is hard to ignore. Hence, to understand this hype, in this episode we discussed: Is Dubai real estate really worth the hype?  Is the market nearing bubble territory?  India vs. Dubai: Which is a better investment for Indians?  Key factors to consider before investing in Dubai real estate.Watch full conversation with Anand Menon: https://youtu.be/fwwnvBlnzio*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Financial Independence, Retire Early (FIRE) has been a popular topic for some time, inspiring many to pursue early retirement for personal reasons. However, the journey to achieving FIRE isn't always straightforward, and the lifestyle after early retirement is often misunderstood as effortlessly smooth, which isn't always the case. In this episode, we break down the FIRE concept, explore How to calculate your FIRE number?Investment strategies for achieving financial independenceEmotional and psychological challenges that come with retiring early.Watch full conversation with Ritesh: https://www.youtube.com/watch?v=XlAm20wLfCQ*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Over 52,000 cybercrime cases were recorded in India in 2022, with financial fraud making up a massive 60%, according to NCRB data. And that's just the reported cases—the true scale could be much larger. Surprisingly, many victims are well-educated and tech-savvy individuals. So, why do so many fall victim to these scams? To get an answer of this In this episode, we explored The scariest and most common cybercrimes in IndiaHow even educated individuals get tricked The psychological strategies scammers use to deceive victimsThe exploitation of teenagers in online financial schemes Practical ways to protect yourself from cyber fraud.Watch full conversation with Ritesh: https://youtu.be/dl3bxXE_cRU?si=UL2y4vTbHgFUwhpf*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorizations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19People are naturally optimistic, and that positivity helps them enjoy life, love, and even try new things like tasty cheeseburgers or space exploration. But this optimism has a downside, especially when it comes to getting ready for tough times in the future.Sometimes, our hopeful outlook on the future makes us forget to plan for unexpected money problems. Depending only on being optimistic without preparing enough is a risk that many of us can't afford.So, it's important to find a balance by being practical. That's where understanding insurance comes in handy.In the first part of the episode, the things to consider before selecting the insurance cautions against relying too much on work insurance plans, and discussed common mistakes people make with health insurance."*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19In the initial segment of the episode, we explored key considerations before choosing insurance and common mistakes often made in health insurance.If you haven't listened to part 1 yet, we strongly recommend doing so before proceeding to part 2.In the subsequent part of the episode, we delved into topics such as the tax benefits linked to insurance premiums, the cautionary aspects of depending on multiple insurers for cashless claims, and the psychological factors that influence decisions related to insurance."*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19Social media has become a big part of our daily lives, whether we're enjoying content from our favorite brands, shopping live, or trying on things virtually. Thanks to the widespread use of the internet, there are now 467 million social media users in India, and 89% of them are active every day.A survey found that in the last year, U.S. adults spent a whopping $71 billion on impulse purchases influenced by social media. This is more than the GDP of countries like Slovenia, Ghana, or Jordan. Surprisingly, 57% of these impulse buyers regretted at least one of their purchases.This brings us to an important question: How does social media affect our spending habits psychologically?In the first part of our episode, we talked about how social media shapes the way we make choices, the excitement created by marketing, and the importance of ethical considerations when businesses use social media."*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL, and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19 In the first part of the episode, we talked about how social media affects the choices we make, and why it's important for businesses to be ethical on social media.If you haven't heard Part 1 yet, we highly recommend you check it out before delving into Part 2.In part 2, we discussed what makes people buy things, how influencers on social media work, and why it's important to be careful about creating fake excitement."*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19 According to the India Retirement Index Study,  more than 80% of urban Indians fear they will run out of money in retirement and 59% of urban Indians believe their savings won't last even 10 years in retirement.Hence, it becomes important to consider retirement planning as a crucial part of financial planning, especially our parent's retirement. Parents often make significant sacrifices for their children, going above and beyond to meet their emotional needs and provide the best possible education. Although it's impossible to fully repay them for their efforts, expressing gratitude through a thoughtful retirement plan could be a meaningful gesture and will allow them to enjoy a life of respect and dignity without compromise. In the first part of the episode, we discussed the importance of planning for retirement, the challenges of retirement planning in India, and emerging trends in retirement planning. "*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19In the first part of the episode, we talked about the specific challenges India deals with when it comes to retirement planning. We also highlighted why it's crucial to include retirement planning in your overall financial strategy.If you haven't checked Part 1 yet, we recommend checking it out before moving on to Part 2.In the second part, we discussed important goals for both the short and long term that individuals and families should think about when getting ready for retirement. We also looked at how planning for parents' retirement involves estate planning. Lastly, we tackled the challenges families might face when talking about a retirement plan and shared some tips on how to handle these challenges."*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Artificial Intelligence or AI has the potential to revolutionize various industries by reshaping fundamental aspects, from business models to value chains. However, few industries rely on AI's foundation, that is data, as profoundly as the insurance industry. While technology offers significant advantages, it also introduces inherent risks that demand careful consideration. These risks encompass issues like bias, discrimination, exclusion, transparent data usage, privacy concerns, and the need for clear explainability.In the first part of the episode, we will explore the transformative impact of AI on the insurance sector. We will delve into how AI is revolutionizing underwriting processes, predictive analytics, and dynamic pricing, ultimately leading to more efficient systems for insurers and lower premiums for policyholders."*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

In the first part of the episode, we explored the transformative impact of AI on the insurance sector, highlighting the substantial changes it has brought about. If you haven't checked the part 1 we highly recommend you to give it a listen before delving into part 2. In the second part of the episode, we will discuss positive changes and risks associated with AI in insurance. We will also delve into legal provisions addressing bias and fairness in AI for insurance in India." *Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19In this episode of Temperament, we have tried to make Real Estate and Tax Planning an interesting subject. Now you will be questioning how it can be made interesting. In the first part of the episode we have shared two predominant things: First, we have broken down tax calculations in the simplest manner, ensuring that you truly understand them. Second, we have shared some secret strategies for saving taxes on your real estate. In addition to this, we have also demystified the current tax regulations and incentives, making it not only comprehensible but also revealing some secret strategies for saving taxes on your real estate.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19 In the first part of the episode we have broken down tax calculations in the simplest manner and demystified the current tax regulations and incentives. If you haven't checked the part 1 we highly recommend you to give it a listen before delving into part 2. In the second part of the episode, we have covered the tax implications of selling real estate. Details on Section 54, Tax Implications for NRIs, and discussed how GST (Goods and Services Tax) affects property transactions, especially for under-construction properties.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19To understand the physical world, physicists study both big and small things. The big things include planets, stars, and galaxies, while the small things involve atoms and particles. There's a clear connection between the big and small, showing how everything is linked.Likewise, understanding your finances means looking at both small and big aspects. Small details include daily money choices, and big things involve broader economic factors like jobs and inflation, often discussed in news and government debates.Hence, in the first part of the episode, we talked about India's Macroeconomic Situation the global economy, and what the Reserve Bank of India might do based on global interest rates.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19 In the first part of this episode, we explored India's macroeconomic landscape and delved into the global economic scenario. If you haven't had the opportunity to catch Part 1, we strongly encourage you to do so before moving on to Part 2.In the second part, our focus shifted to the realm of long-term investment strategies. We delved into the essential role of bridging the gap between personal finance and macroeconomics. Additionally, we discussed the nuanced art of managing risk, emphasizing the importance of adopting a disciplined approach and implementing a well-considered asset allocation strategy. The conversation also encompassed practical advice for investors, highlighting the significance of emotional detachment and the wisdom of aligning investments with specific goals.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep18In 2023, India's housing market saw significant growth, setting new records in home sales despite global economic challenges. Anarock Research revealed that more than 349,000 units were sold in the top 7 cities in the first nine months, reaching a peak in Q3 2023, despite a noticeable 11 percent increase in average property prices. While the data indicates positive growth in the housing market, it's essential to understand the reasons behind this growth and the factors to consider before making real estate investments for maximum profit. Therefore, in the first part of the episode, we discussed financial budgeting for property investment and ways to reduce risks in residential real estate investments."*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep18 In the first segment of this episode, we explored the financial aspects of investing in residential properties, delving into budgeting strategies and risk mitigation techniques. If you haven't had the chance to listen to Part 1, we strongly advise you to do so before proceeding to Part 2. In part 2, we turned attention towards the legal facets of residential investments. We examined the relevance of the Real Estate Regulation Act (RERA) and also delved into considerations that extend beyond the legal realm, encompassing factors like the property's location and potential emotional or psychological influences that should be taken into account before making a purchasing decision."*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep17Have you ever wondered why only a select few consistently make precise decisions in stock investments?In this episode, we answered this question. A proficient investor possesses the ability to thoroughly analyze the performance of a specific company.Hence, in the first episode, we explored the process of evaluating a company's performance and financial health before committing to an investment. In essence, we delved deep into the fundamental analysis of a company.We broke down the steps to calculate and understand key metrics like return on equity, debt-equity ratio, and interest coverage ratio.And also provided an overview of the financial statements, including the profit and loss account, balance sheet, and cash flow statement.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep17In part one, we laid the foundation by understanding the fundamental analysis of the company and delved into the nitty-gritty of how you can guide your investment decisions.If you haven't checked the part 1 of the episode we highly recommend you to check the first part of the episode before delving into part 2. In part 2 we focused on how the management prepares financial statements, navigates fluctuations, upholds investor sentiment, and how you can identify fraudulent activities in financial statements for wiser investment. *Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep16According to the National Bureau of Economic Research, there have been 34 business cycles between 1854 and 2020, with each full cycle lasting roughly 56 months on average.The 2008 financial crisis and the COVID-19 pandemic in 2020 are more recent examples of bust periods. These cycles are influenced by various factors such as technology, global events, and people's confidence in the economy.Hence to understand economic cycles better, in the first part of the episode, we discussed factors influencing economic cycles such as inflation, employment figures, trade balances, etc, and the importance of understanding economic principles for financial well-being.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep16In the first segment of the episode, we explored the factors that shape economic cycles and underscored the significance of comprehending economic principles for one's financial health. If you haven't already, we strongly advise you to listen to part 1 before delving into part 2.In the second segment, we delved into strategies for navigating economic fluctuations, balancing the opportunities and risks linked to investments during downturns, and the importance of updating job skills alongside personalized financial planning.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep15Despite challenges in the global commercial real estate market, India has been growing consistently, going against the trend. A report by Mordor Intelligence states that India's Commercial Real Estate Market is currently around $33.62 billion and is expected to reach $87.57 billion by 2028.This growth is driven by a few factors: India's strong local demand, the availability of good real estate at lower costs, its reputation as a global tech and research hub, and a thriving startup culture.But how this growth affects regular people like us and how we should plan our investments. In the first part of this, we looked at the state of commercial real estate in India and discussed what factors to consider when investing in this market.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep15In the first part of the episode, we delve into the factors one should consider before venturing into commercial real estate investments. If you haven't listened to Part 1, we highly recommend doing so before proceeding to Part 2.Now, there are several other ways to invest in commercial real estate without significantly depleting your bank account.Therefore, in the second part of this episode, we explore new emerging trends in commercial real estate investment, including Real Estate Investment Trusts (REITs) and exit strategies.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep14According to the report, the Nifty 50 has yielded a 17.2% return over 20 years, while gold has provided a 12% return.However, does this imply that gold isn't a suitable investment for you?In reality, human decision-making extends beyond rationality; emotions, influenced by our values, play a crucial role. Disregarding these values can have serious consequences. Your perception of gold as a secure investment with lower volatility might align perfectly with your preferences. Alternatively, a profound cultural influence may make gold investment significant for you.Therefore, in Part 1 of the episode, we delved into the Current Gold Scenario in India, discussed Authenticity and Purity, and explored various Ways to Invest in Gold.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep14In the first part of the episode, we discussed whether gold is a good investment for you and the different ways you can invest in it. If you haven't listened to Part 1 yet, we suggest you do before moving on to Part 2.In part 2, we will deep dive into the dynamics of supply and demand, central bank interventions, inflation, interest rates, geopolitical events, and the influence of the U.S. dollar in shaping the volatility of gold prices.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep13A survey by ET Now found that 70% of Indians don't trust their partners when it comes to money and about 26% say their partners keep money matters a secret, leading to arguments.Money indeed has an important role to play in our relationships. How you and your partner deal with money can either make your bond stronger or bring up challenges that need careful thinking.So, in the first part of this episode, we discuss about why it's important to have open conversations about managing money and being financially compatible both before and after marriage. We discussed ways to start conversations with your partner about living arrangements, career choices, and future aspirations. We also looked into why it's crucial to set financial goals for starting a family, including planning for maternity and child insurance.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep13In the first part of this episode, we discussed the significance of open conversations on financial compatibility before and after marriage and how you can initiate discussions on living arrangements, career choices, and future aspirations with your partner.If you haven't checked the first part we highly encourage you to check the part 1. In the second segment, we'll explore the impact of past family experiences on behavioral financial mindsets. We'll also delve into effective ways to address differences in financial perspectives and goals. Additionally, we'll discuss how seeking assistance from a third party, such as a financial advisor or therapist, can contribute to establishing financial stability in your marriage.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep12Money means different things to different people and how we think about money really matters. Our money mindset influences the choices we make in our careers, the people we choose to be with, and the experiences we have.A study by Ramsey Solutions revealed that 97% of first-generation millionaires believed in their ability to become millionaires. This mindset, rather than external factors like inheritance or education, propelled them to success.Hence, in the first part of the episode, we talked about the basics of managing money. We discussed things like how we learn from watching others (Observation, Imitation, and Reinforcement), and we also talked about how what we value and prioritize is crucial for finding both financial well-being and fulfillment.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep12In the first segment of this episode, we explored the OIR model (Observation, Imitation, and Reinforcement) along with the significance of priorities and values in attaining financial well-being and fulfillment. If you haven't listened to Part 1 yet, we strongly encourage you to do so before diving into Part 2.In the second part of this episode, we delved into the overview of Money Scripts, discussed The Ocean theory (Openness, Conscientiousness, Agreeableness, Extraversion, Neuroticism), and outlined practical steps for changing one's money mindset.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep11A survey conducted by IndiaLends, which involved over 10,000 working women aged 21–65 residing in metropolitan areas suggests that almost 67% of these women still relied on male family members to make financial decisions.This raises a compelling question: Why is it that a woman, who effortlessly splurges on a 10,000 rupee sandal or doesn't hesitate to purchase a two-lakh rupee handbag, finds herself hesitant or unprepared to make similar decisions regarding financial investments?In this episode, we engage in conversations with prominent women leaders to delve into the significance of overcoming limiting beliefs and societal expectations.In the first part, we discussed the necessary steps women must take to achieve financial well-being. We addressed the challenges women encounter in making financial decisions and their tendency to depend on male family members for such choices. We will also explore the underlying causes of these patterns.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.