Shows
Let's Talk Money with Monika HalanBank FD rates will fall. Lock in now.This week, Monika talks about the coming fall in bank fixed deposit (FD) rates as the Reserve Bank of India signals a low-interest rate environment ahead. With major banks like SBI already reducing savings account interest to 2.5%, Monika explains why risk-averse investors should act now to lock in current FD rates. She discusses strategies like laddering across time periods and breaking large deposits into smaller ones for flexibility. She also touches on senior citizen benefits, special FD schemes, and why she prefers sticking with larger banks over smaller or fintech-based FD platforms for safety.She then explains...2025-07-0317 min
Let's Talk Money with Monika HalanWorld War 3? Should you get out of the market?This week, Monika talks about the rising global war anxiety and how it’s triggering panic among investors. As conflicts erupt across the globe, the instinct to pull money out of the markets is growing—but is that the right move? With fears of nuclear escalation, many are tempted to book profits and flee to cash. But Monika explains why the better approach is to stay calm, focus on asset allocation, and avoid impulsive financial decisions driven by headlines. India, despite external threats, remains on a strong economic footing—with 6.5% GDP growth, healthy macro indicators, and strategic restraint. While we can...2025-06-2619 min
DostcastInsurance Scams, Loan Apps Harassment and Financial Hacks | Dostcast w/ Monika HalanSubscribe to Dostcast Clips:https://www.youtube.com/@dostcastclips?sub_confirmation=1Listen to Dostcast on Spotify: https://open.spotify.com/show/70vrbHeSvrcXyOeISTyBSy?si=be05dbdd564245d9Join the Dostcast Janta Party on WhatsApp for regular updates: https://whatsapp.com/channel/0029VbAZwo5D8SDs5kf94N3TWant to suggest a guest?Fill this form: https://docs.google.com/forms/d/1ft_-1QDs7XpsSWnaPOeF21yUlhk9bzKvwHSyh4hHfBU/edit?usp=drivesdk====================================================================Monika Halan is a writer, financial journalist, and personal finance expert. She is the founder of Dhan Chakra Financial Education and the best-selling author of the book "Let's Talk Money."...2025-06-201h 25
Let's Talk Money with Monika HalanHave You Been Trapped By Your Bank?This week, Monika highlights how Indian banks are aggressively mis-selling financial products, especially to the elderly and vulnerable. A recent experience with her father at a bank shows just how predatory these practices have become. New moves by the Ministry of Finance and RBI signal growing concern—banks have now been told to stop staff incentives for insurance sales, and the RBI is exploring stricter guidelines. A revealing fintech report shows banks earned over ₹21,000 crore in FY24 from commissions, often from unsuitable product sales. Nearly half of all life insurance policies are discontinued within five years, and poor product desi...2025-06-1920 min
Let's Talk Money with Monika HalanWhy RBI’s Rate Cuts Are A Good SignalThis week, Monika unpacks the Reserve Bank of India’s surprise 50 basis point cut in the repo rate—the third such cut this year, bringing the rate down to 5.5%. Alongside this, the central bank announced a phased reduction in the Cash Reserve Ratio (CRR) from 4% to 3%, injecting ₹2.5 trillion into the banking system. These moves signal a clear shift to an easy money policy—one that indicates inflation is under control and a strong push for growth is underway. Lower interest rates will reduce borrowing costs, encourage private investment, and boost business activity, while also lowering EMIs and loan rates. However...2025-06-1218 min
Let's Talk Money with Monika HalanGDP Shrugs Off The SlowdownThis week, Monika unpacks India’s fourth quarter GDP growth of 7.4%, which lifts the annual rate to 6.5% and suggests the slowdown may be over. Despite global challenges, India remains the fastest-growing large economy, driven by strong construction, manufacturing, and agriculture. Private investment is picking up, per capita GDP has nearly doubled in a decade, and sectors like smartphone exports and fisheries point to deeper structural shifts. Monika explains why this rebound looks cyclical rather than structural, and why India’s growth path appears more sustainable going forward.Next, Monika clarifies the difference between nominal and real GDP. She...2025-06-0521 min
Let's Talk Money with Monika HalanUnderstand the Bond MarketThis week, Monika returns from a whirlwind trip to Berlin and Hamburg with reflections on unpredictable European weather and a newfound appreciation for the Delhi heat. Back at her desk, she dives straight into the world of bonds—those unassuming financial instruments that actually run the show when it comes to signaling the health of an economy. Monika explains why the bond market is far more closely watched than the stock market and what it’s been saying about India’s growth story in a global economy full of mixed signals.She breaks down the me...2025-05-2922 min
Let's Talk Money with Monika HalanIs a Luxury Bag an Investment?This week, Monika tackles a controversial question that might land her in hot water with many women: is a luxury bag truly an investment? From silk saris to high-end handbags, these purchases are often labeled as financial assets. But Monika breaks down what qualifies as an actual investment and whether these luxury items really fit the bill—or if they’re simply expensive indulgences. With her trademark clarity and humor, she walks through the difference between collectibles and income- or profit-generating assets.Next, Monika explains the term GDP—Gross Domestic Product—a phrase that’s often us...2025-05-2215 min
Let's Talk Money with Monika HalanDid you Hear What Warren Buffett Said To You Last Week?What is it about Warren Buffett that continues to inspire millions of investors across the globe? This week, Monika dives into the key highlights from the Berkshire Hathaway annual shareholder meeting held on May 3, 2025. In what could be described as the “Woodstock for Capitalists,” over 20,000 people gathered to listen to the Oracle of Omaha—perhaps for the last time, as Buffett announced his decision to step down at the end of this year. With his 95th birthday approaching, the baton will pass to Vice Chairman Greg Abel, marking the end of an extraordinary era.Monika walks us throug...2025-05-0822 min
Let's Talk Money with Monika HalanYour Financial Toolkit For WarA horrific act of terror in Pahalgam last week has shaken the nation, and in this episode, Monika addresses the financial implications of a potential war. While the armed forces are on the frontline, civilians are not immune to the disruption—war impacts all of us, not just emotionally but economically. As the geopolitical climate intensifies, she lays out a clear, calm, and practical financial toolkit to help you prepare: from building an emergency fund to conserving cash, reducing debt, and avoiding risky investments. She also underscores the importance of keeping some cash at home, ensuring insurance coverage is in...2025-05-0115 min
Let's Talk Money with Monika HalanTrump, Tarrifs And YouMonika is back after a short break, and the first thing on the agenda is the topic that’s dominating every conversation—Trump’s tariffs. In this episode, she unpacks what these new trade policies mean not just for the U.S. and China, but for the rest of the world. This isn’t just about taxes on goods—it’s a signal that the global power structure is in flux. As America’s post-war dominance is challenged by China’s rising ambition, we find ourselves in the middle of a massive geopolitical reset.She lays out the broader pict...2025-04-2422 min
Let's Talk Money with Monika HalanShould You Pay Off Your Family’s Debt?In this episode, Monika begins with a heartfelt discussion on the complex intersection of love, family, and money. She shares emotional real-life examples from listeners who are supporting family members burdened by financial irresponsibility. From parents with speculative debts to spouses with no income, Monika lays out a step-by-step approach to setting financial boundaries without feeling guilty. Her message is clear: love should not come at the cost of personal financial ruin. It’s crucial to differentiate between support and enabling, and to prioritize long-term personal security.Next, Monika explains what a market correction is an...2025-04-1718 min
Let's Talk Money with Monika HalanHow to Crack the Retirement Nest EggIn this episode, Monika tackles the challenge of using retirement savings wisely. While most people focus on accumulating a retirement fund, the real challenge is making it last. She explains the Money Trinity, a three-bucket strategy that ensures financial security while combating inflation. The Now Fund covers immediate needs, the Next Fund balances safety and growth, and the Future Fund builds long-term wealth. By strategically allocating money across these buckets, retirees can secure their present while letting a portion of their savings grow.Next, she breaks down credit risk, explaining why PSU bank deposits offer lower rates...2025-04-0320 min
Let's Talk Money with Monika HalanThe Three Stages of Living – Learning, Earning and HarvestingIn this episode, Monika explores the three distinct stages of life: learning, earning, and harvesting. She explains how we spend our early years preparing for financial independence, followed by decades focused on building wealth, and ultimately, a phase where we utilize those earnings to support our later years. She highlights key financial milestones across different life decades and the importance of balancing savings with lifestyle needs. Whether planning for early retirement or maximizing earnings during peak career years, understanding these life stages is essential for long-term financial security.Next, she breaks down the differences between active and...2025-03-2717 min
Let's Talk Money with Monika HalanWhat To Do With Your First SalaryIn this episode, Monika discusses the excitement of receiving your first salary and how to make the most of it. She shares practical advice on balancing financial responsibility with celebrating this milestone, ensuring that young professionals set themselves up for long-term success. From prioritizing loan repayment and setting up a cash flow system to building an emergency fund, she outlines three key goals for the first year of earning. By following these steps, young earners can develop strong financial habits without feeling overwhelmed by long-term investment planning right away.Next, she decodes what a portfolio means and...2025-03-2017 min
Let's Talk Money with Monika HalanWhy Smart People Make Dumb Money MistakesIn this episode, Monika explores why even the smartest people fall into common money traps. Our emotions and habits often override logic, leading to costly mistakes like fearing market crashes, selling assets at the wrong time, or waiting too long to invest. She breaks down two key behavioral patterns—mental accounting and anchoring—that drive these poor financial decisions. Mental accounting makes us treat money differently based on its source, leading to suboptimal choices like keeping low-yield savings while carrying high-interest debt. Anchoring causes us to fixate on past prices and unrealistic expectations, preventing sound investment decisions. Monika shares prac...2025-03-1318 min
Let's Talk Money with Monika HalanDoes Your Portfolio Tell a Story?In this episode, Monika challenges listeners to examine their portfolios and uncover the story they tell. Using a real-life example of a doctor struggling with scattered investments, she illustrates the importance of organizing financial data in a clear and structured manner. Monika emphasizes that knowing one's net worth, understanding asset allocation, and tracking investments in an accessible format are essential steps in financial planning. She walks through the process of categorizing investments into debt, equity, hybrid, and other assets, ensuring that every investor has a comprehensive view of their financial health.Next, Monika explains the concept of...2025-03-0623 min
Let's Talk Money with Monika HalanHow to Navigate a Down MarketIn this episode, Monika helps listeners navigate a down market, explaining why market downturns feel more painful than they actually are. Drawing from behavioral economics, she highlights how loss aversion—our tendency to feel losses more strongly than equivalent gains—affects investment decisions. While markets have declined 12% from their peak, the last four years have delivered over 20% annualized returns. Monika urges investors to zoom out, focusing on five-year rolling returns and asset allocation rather than reacting emotionally to short-term losses. She also discusses how seasoned investors weather market swings by sticking to a disciplined strategy.Shifting gears, Moni...2025-02-2720 min
Let's Talk Money with Monika HalanWhat’s your SIP Strategy?In this episode, Monika dives into the debate surrounding Systematic Investment Plans (SIPs) and whether they are truly the wealth-building tool they are often made out to be. A prominent fund manager recently warned that SIPs in small- and mid-cap mutual funds may not yield the high returns investors expect, igniting a firestorm of discussion. Monika explores the claims, comparing historical returns across different asset classes and reminding listeners of the importance of long-term investing. She recounts a colleague’s decision to exit equity markets in 2020 due to short-term underperformance—only to miss out on the subsequent market boom.2025-02-2021 min
Let's Talk Money with Monika HalanIs it Enough to Plan Just Investments?In this episode, Monika explains why investment planning is just one piece of the larger financial planning puzzle. Many investors focus solely on where to put their money but overlook critical aspects like cash flow management, risk protection, and long-term goal setting. She walks listeners through the fundamentals of financial planning—starting with tracking expenses and setting savings targets, then building essential safeguards like an emergency fund, medical insurance, and life insurance before even thinking about investments. She emphasizes that true financial security comes from having a well-structured plan that includes retirement and estate planning, not just picking the ri...2025-02-1318 min
Let's Talk Money with Monika HalanWhat Budget 2025 Means For YouIn this episode, Monika unpacks Budget 2025 and what it means for India’s middle class. She explains the government’s bold decision to leave over ₹1 lakh crore in taxpayers’ pockets by making income up to ₹12.75 lakh tax-free and raising the highest tax slab to ₹24 lakh. This massive relief comes amid rising middle-class frustration over stagnant tax breaks, poor public services, and increased welfare spending on lower-income groups. Monika assesses whether this budget signals a shift in economic priorities and what it reveals about the government’s political calculus.
She then dives into the specifics of the new tax regime, br...2025-02-0617 min
Let's Talk Money with Monika HalanHow Much Tax Do They Not Pay?In this episode, Monika investigates a pressing concern: the scale of income tax evasion within India’s middle class. She walks listeners through her extensive research to determine how many eligible taxpayers remain outside the tax net and how much revenue is lost. Using credible reports and official tax data, she arrives at a staggering number—8.3 crore people not paying taxes, leading to a revenue shortfall of ₹7.8 lakh crore. Monika urges policymakers to address this gap rather than burdening existing taxpayers with additional levies.
Monika then breaks down the concept of fiscal deficit, explaining how it arises when g...2025-01-3014 min
Let's Talk Money with Monika HalanNew or Old Tax Regime?In this episode, Monika helps you decide between the old and new tax regimes, guiding you through how to choose the right option for your financial situation. She explains the differences between the two regimes, how the new system was introduced in Budget 2020, and the pros and cons of each. Monika emphasizes the importance of understanding your deductions and income level to make an informed choice and offers simple guidelines to help you decide. She also touches on the expected shift to the new regime in the future and how it might affect your tax planning.
Monika...2025-01-2316 min
Let's Talk Money with Monika HalanHow Much Tax do you Finally PayIn this episode, Monika takes an insightful dive into the Indian tax system, exploring how taxes shape individual behavior and government policies. She explains the key components of taxation in India, including direct and indirect taxes, and highlights their impact on your income, spending, and investments. By analyzing the distribution of the tax burden, Monika lays bare the disproportionate load borne by the middle class and high-income earners, and offers a clear perspective on how taxes contribute to government revenue and expenditure.
Monika also breaks down the commonly misunderstood terms: exemptions, deductions, and rebates. Using practical examples, s...2025-01-1619 min
Let's Talk Money with Monika HalanWhy a Welfare State Means High Taxes for the Middle Class and RichIn this episode, Monika explores a tough yet important topic: the inevitability of high taxes for the middle class and the rich, even with possible tweaks in Budget 2025. She explains the evolution of taxation from ancient civilizations to modern welfare systems and why higher taxation is expected to persist in democracies with large lower-income populations. Monika emphasizes the burden on the top 10% and urges listeners to brace for higher taxes while hoping for more equitable contributions across society.
Monika dives into the complexities of interest rates, offering a detailed breakdown of how they are determined. She explains...2025-01-0916 min
Let's Talk Money with Monika HalanYour Money in 2025In this episode, Monika shares a roadmap for managing your finances in 2025, reflecting on the market correction at the end of 2024 and its implications for investors. She delves into the fundamentals of projecting returns, linking them to GDP growth and inflation, and highlights the importance of having a solid financial plan. By emphasizing principles like asset allocation, long-term equity focus, and disciplined rebalancing, Monika demonstrates how to navigate uncertainties while building wealth sustainably in the years ahead.
Monika explains the essentials of asset allocation, starting with the balance between equity and debt. She outlines...2025-01-0219 min
Let's Talk Money with Monika HalanWill Your Credit Card Unpaid Dues Cost More Now?In this episode, Monika discusses a recent Supreme Court judgment that impacts credit card holders, overturning a 2008 ruling by the National Consumer Disputes Redressal Commission (NCDRC) that capped interest rates on unpaid credit card dues at 30% per year. This decision now allows banks to set higher rates, arguing that credit cards, being unsecured loans, necessitate such charges. Monika highlights the pitfalls for consumers, such as interest being levied on the full bill amount if partial payments are made and the significant cost of revolving credit card debt. She advises listeners to use credit cards wisely to avoid excessive interest...2024-12-2614 min
Let's Talk Money with Monika HalanDoes your health insurance company pay its claims?In this episode, Monika explores the troubling issue of health insurance companies denying claims, a problem that has taken center stage globally and in India. A shocking incident in the U.S. on December 4, 2024, saw Brian Thompson, CEO of UnitedHealthcare, America’s largest health insurer, shot dead as he walked to an investor conference. Reports suggest the attack may be linked to mounting public frustration over insurers' tactics to “deny, delay, and depose” claims to boost profits, with UnitedHealthcare rejecting 32% of claims.
Shifting focus to India, Monika highlights worrying trends documented by the Insurance Brokers Association of India...2024-12-1917 min
Let's Talk Money with Monika HalanHow to Redeem your Mutual Funds
In this episode, Monika delves into the RBI’s decision to maintain the repo rate at 6.5% despite market expectations of a 25 basis point cut. She explains the repo rate’s role as the interest rate at which the RBI lends to banks, influencing liquidity and inflation. The decision stems from the central bank's inflation-targeting mandate, which restricts easing rates amidst high inflation. However, the RBI cut the Cash Reserve Ratio (CRR) to 4%, injecting ₹1.16 lakh crore into the banking system.
Monika further discusses the rationale behind the RBI’s cautious approach. While core inflation remains within target...2024-12-1317 min
Let's Talk Money with Monika HalanWhat slowing GDP means for youIn this episode, Monika examines India’s slowing GDP growth, which fell to 5.4% in the second quarter (June-September 2024), pulling the first-half growth to 6%. A sluggish industrial sector, slower urban consumption, and muted private investments are key drivers, while rural spending and services have shown resilience. To meet the RBI’s projected 7% growth, faster economic activity is essential—a goal that now seems unlikely. Monika explores potential government spending and RBI rate cuts as possible solutions to reignite growth.
Slower GDP growth affects everyone, from limited job opportunities and salary hikes to reduced returns for investors. Monika highlights the ne...2024-12-0515 min
Let's Talk Money with Monika HalanShould you pay off your future partner’s debts?In this episode, Monika delves into a significant move by the Indian government and financial regulator to address the mis-selling of insurance products by banks. At a recent banking event, Finance Minister Nirmala Sitharaman highlighted the need for banks to prioritize their core business—mobilising deposits and lending. She noted that aggressive insurance sales have indirectly increased borrowing costs for customers, signaling a call for reform. IRDAI Chairman Debashish Panda echoed this, urging banks to keep insurance sales secondary to their primary banking functions. Together, these statements hint at a potential shift in banking practices, putting customer needs above ag...2024-11-2820 min
Let's Talk Money with Monika HalanWhy is Inflation So High?In this episode, Monika explores why inflation has surged in India, hitting 6.2% in October 2024, the highest in over a year. She explains how inflation is measured using the Consumer Price Index (CPI), which tracks price changes in a basket of consumer goods and services. A consistent rise in the CPI indicates inflation, with a recent jump reflecting concerns about India’s economic stability. The ideal inflation target for India is set between 2% and 6%, with 4% considered optimal for growth, but the current numbers exceed this range.
Monika discusses the key contributors to the recent spike, particularly food inflation. Oc...2024-11-2117 min
Let's Talk Money with Monika HalanWill Crypto get a Trump Boost?In this episode, Monika explores the potential impact of a Trump presidency on the cryptocurrency market. Following recent U.S. election results, the crypto industry celebrated as Donald Trump returns to the White House as the 47th President of the United States, prompting a sharp rise in Bitcoin and other cryptocurrency prices. Many in the industry expect a more relaxed regulatory approach under Trump, including his proposal for a federal reserve of Bitcoin, which could position Bitcoin as a recognized asset if a major country begins to hold it in its reserves.
She explains the concept of...2024-11-2116 min
Let's Talk Money with Monika HalanWhy are Markets Choppy?In this episode, Monika explains why Indian stock markets, after a four-year bull run, are now experiencing choppy waters. She discusses how markets sometimes grow ahead of the economy’s fundamentals, leading to short-term volatility. She highlights that while Sensex has returned a remarkable 23% per year over the last four years, long-term averages show more moderate returns. Investors should prepare for lower returns in the near future, possibly high single digits or low double digits, aligning with historical averages.
Monika also examines the role of Foreign Institutional Investors (FIIs) in recent market fluctuations. FIIs withdrew over Rs 88,000 cr...2024-11-0720 min
Let's Talk Money with Monika HalanShould you Buy or Rent?In this episode, Monika discusses the protests by life insurance agents against recent policy changes favoring policyholders. Insurance agents, news reports say, are upset over reduced commissions and clawbacks due to new IRDAI rules that allow investors to keep more money when surrendering policies early. Effective from October 1, 2024, these changes aim to protect policyholders from harsh penalties while addressing mis-selling issues. Monika views these shifts positively for investors and recommends opting for term policies and direct investments over bundled insurance plans.
The episode also addresses the question of whether young people in their 20s and 30s should...2024-10-2416 min
Let's Talk Money with Monika HalanJob loss, Direct vs Regular and Family FinancesIn this episode, Monika reflects on the Durga Puja week, sharing her joy in visiting pandals while noting the limited news that led to her changing the episode format by addressing five listener questions instead of the usual 3.
Anonymous from Bengaluru, nearing retirement, faces the dilemma of paying his sisters Rs 1.2 crore for an inherited home, with suggestions like selling his rental flat or staggering payments over five years. Sachin Gupta from NOIDA, recently laid off at 40, wonders about withdrawing from his EPF for investments; the advice is to continue the job search for 6-12 months. Saurab...2024-10-1714 min
Let's Talk Money with Monika HalanNew Mutual Fund Category For Risk TakersIn this episode, Monika discusses Sebi’s recent announcement of a new mutual fund category for high-net-worth investors. This new category will allow for higher-risk, potentially higher-return products, with a minimum investment of Rs 10 lakh. It aims to expand investment options without increasing risk in the broader market. Monika highlights the current limitations in mutual fund categories and explains how this change will give more flexibility in investment strategies. She will update listeners as more details emerge, especially regarding costs and fees.
Next, Monika covers the new rules for transferring financial products like mutual funds, stocks, and li...2024-10-1015 min
Let's Talk Money with Monika HalanSurrender Values, Expense Ratios and Real EstateIn this episode, Monika discusses recent changes in life insurance policies that have resulted in improved surrender values for policyholders starting October 1, 2024. Previously, policyholders faced harsh penalties for exiting mid-term, but now they can recover more than 70% of their premiums even after the first payment, and nearly 90% after five payments. This is a significant step towards better treatment of investors, though the insurance industry may still try to navigate around these regulations.
Next, Monika clarifies that an SWP, or Systematic Withdrawal Plan, is not a standalone product but a method for withdrawing funds from a mutual fund...2024-10-0318 min
Let's Talk Money with Monika HalanCryptos, FDs and Smart Beta FundsIn this episode, Monika presents an intriguing blend of insights and answers to listener questions.
First, she explores how several non-US countries are seeking alternatives to the dollar-based global payment system, particularly regarding cryptocurrency. She clarifies that this discussion isn't an investment recommendation but highlights its implications for the future of global transactions.
Next, Monika dives into a micro event: Airtel’s new app-based fixed deposit service that launched on September 1, 2024. This innovation aims to simplify FD investments by allowing users to choose deposits from various banks through an easy-to-use dashboard. She also shares some ri...2024-09-2619 min
Let's Talk Money with Monika HalanWhen to Sell in a Bull MarketMonika brings a new format to her podcast from this episode onwards.
She will first tell you what a macro event means for you. This episode she tells you the impact of government spending on GDP growth and how that matters in your financial life.
Then she will unpack a micro event. This week it is the changes in the Public Provident Fund that go live from October 1 2024.
She then answers three listener questions. The first one has to do with when to sell in a bull market.
Next is a qu...2024-09-1918 min
Let's Talk Money with Monika HalanDid You Know What I Found Common In Your Money Worries?From the challenge of starting one's financial journey to the intricacies of portfolio creation and the looming concern of retirement, Monika Halan addresses the most common money worries listeners have shared throughout the show. Tune in to learn why it's never too late to begin managing your money, the importance of diversified investments, and how to avoid common pitfalls with insurance products.
Monika also tackles pertinent questions about how to ensure financial security while working in a family business, whether you should get out of your insurance policy or see it through, health insurance for those with p...2024-09-1214 min
Let's Talk Money with Monika HalanHow To Use Debt Products In Your Portfolio?In this episode, Monika Halan demystifies the concept of debt in investing. Learn how familiar products like bank FDs, bonds, and PPF fit into your financial strategy, providing stability and assured returns. Monika explains the role of debt products in balancing your portfolio and offers insights into using bond funds for various financial goals. Tune in to understand the nuances of debt investing and how it complements equity for a well-rounded portfolio.
Monika also answers questions about whether you should invest in the NPS if one is already contributing to EPF, how to firm up your allocation...2024-09-0512 min
Let's Talk Money with Monika HalanHow Can Women Build Their Money Muscles?Today, Monika addresses the critical issue of women and financial independence. She discusses how women have traditionally used methods like kitty parties and gold investments to secure their finances. Monika emphasises the importance of women transitioning to formal financial products like PPF and mutual funds, and provides actionable steps for women to build their financial security and take control of their assets.
Monika also answers your questions about investing in Mutual Funds over ULIPs and what to look for when selecting a fund, how to teach financial literacy to your kids, whether it’s wise to open a d...2024-08-1512 min
Let's Talk Money with Monika HalanCan You Trick Your Brain To Make Better Money Decisions?In this episode of Let's Talk Money, Monika Halan breaks down what loss aversion is, and how it affects our financial decisions. She explains how simple nudges can help us overcome irrational behaviours and make better financial choices. Monika shares practical tips for organising finances and setting saving goals, along with examples of successful state-sponsored programs.
Monika also answers your questions about the pros and cons of opting for a Portfolio Management Scheme over Mutual Funds, asset allocations in equity and debt for someone working in the IT industry, and why one should opt for the broad...2024-08-0813 min
Let's Talk Money with Monika HalanHow Will Budget 2024 Affect Your Finances?In this episode, Monika dives into the key highlights and implications of India's Budget 2024. Discover how the new tax slabs and increased standard deductions will affect the middle class, the changes in capital gains taxes, and what they mean for your investments. Monika also explores the government's steps towards job creation, the regulation of the futures and options market, and the broader impact of these measures on everyday life.This week, Monika takes on concerns from the team about the Budget! She answers questions about losing out on real estate indexation, how the Budget impacts small business owners, and...2024-08-0214 min
Let's Talk Money with Monika HalanHow Can SEBI Safeguard Investor Interests in a Dynamic Market? Monika Halan in conversation with Ashwani BhatiaWe have a special episode for you this week! Monika Halan sits down with Ashwani Bhatia, a whole time member (WTM) of the Securities and Exchange Board of India (SEBI), to delve into the measures and strategies SEBI employs to protect investor interests in an ever-evolving market landscape.
They discuss the role of SEBI in maintaining market integrity, the importance of investor education, and the steps being taken to combat financial fraud. Tune in to understand how SEBI's regulatory framework adapts to changing market dynamics and what investors can do to safeguard their investments.
Chapters:2024-07-2535 min
DostcastFinance Expert on Budget 2024, Tax Regime, Stock Market, and Mutual Funds | Dostcast w/ Monika HalanYou can buy her book here: https://amzn.in/d/098B9PAN
Monika Halan is a writer, financial journalist, and personal finance expert. She is the founder of Dhan Chakra Financial Education and the best-selling author of the book "Let's Talk Money." She is the Chairperson of the SEBI Advisory Committee for the Investor Protection and Education Fund. Monika has public policy experience, having worked with the Government of India as an advisor to the Swarup Committee in 2009. She is known for making complex financial topics easy to understand. She often appears on TV...2024-07-231h 27
Let's Talk Money with Monika HalanHow Should You Manage Joint Family Finances?Today, Monika dives into the complexities of managing finances in a joint family setup. From sharing expenses and building personal assets to ensuring proper insurance and drafting a Will, she offers practical advice to help you navigate the financial dynamics of living with extended family. With real-life stories of both pitfalls and successes, Monika guides you on how to balance love, responsibility, and financial independence within the family. Tune in for essential tips on maintaining harmony and securing your financial future amidst the challenges of joint family living.
Monika also tackles pertinent questions about how to get...2024-07-1812 min
Let's Talk Money with Monika HalanHow To Financially Survive A Job Loss?In this episode, Monika discusses the financial steps to take after an unexpected job loss. She provides practical advice on negotiating severance packages, extending medical benefits, consolidating finances, and cutting discretionary expenses. Monika also emphasises the importance of having a financial plan ready, highlights resources for unemployment support, and offers tips to stay mentally resilient while seeking new employment. Tune in to learn how to navigate the financial challenges of job loss and prepare for a more secure future.
Monika also helps you navigate through building an early retirement corpus for short service retirees in the air...2024-07-1115 min
Let's Talk Money with Monika HalanWhat Does Your Raise Say About Your Career Prospects?This week, Monika delves into the best way of utilising your raise. She discusses the importance of understanding inflation-adjusted raises, evaluating your performance relative to company averages, and considering strategic job changes for better compensation. Tune in for practical advice on how to respond to your raise and make informed decisions about your career and financial future.
Monika also answers your questions about the pros and cons of purchasing medical insurance for retirement if in a government job, the optimal duration for your loans, whether NRIs should consider debt funds despite recent tax changes, and the reliability...2024-07-0414 min
Let's Talk Money with Monika HalanHow Should You Handle A Windfall Gain?Today, Monika dives into the best strategies for handling windfall gains. Whether it's a bonus, tax refund, or inheritance, Monika explains how to balance spending, debt repayment, and investing to maximise your financial well-being and avoid common pitfalls. Discover how to make thoughtful decisions that enhance your financial future while enjoying the present.
Monika also addresses how to rebuild an emergency fund after relocating, the strategies for early retirement and sustaining expenses long-term, and the importance of evaluating mutual fund schemes over individual fund managers.
Chapters:
(00:31 - 04:58) Navigating Funds in a Windfall Gain2024-06-2715 min
Let's Talk Money with Monika HalanAre You Financially Ready To Start Your Business?In today’s episode, Monika explores the crucial financial steps to take before transitioning from a secure job to launching your own start-up. She breaks down how to estimate start-up costs, secure initial funding, and budget for personal living expenses during the early, income-less years of your venture. She also discusses the importance of having medical and vehicle insurance, maintaining an emergency fund, and having a solid backup plan in case your business doesn't take off. Join us as Monika dives into the financial groundwork essential for turning your entrepreneurial dreams into reality.
Monika also answers your qu...2024-06-2015 min
Let's Talk Money with Monika HalanHow Can You Secure Your Child’s Financial Future?We’re back with a new episode of practical financial advice to help you make informed decisions about your money!
In this episode of Let’s Talk Money, Monika explores how to build financial security for your child's present and future. Learn the importance of putting in place your own life cover and your medical insurance, as well as the necessity of drafting a Will. She also discusses smart investment strategies, such as starting an index fund and a monthly SIP for higher education. Tune in for essential advice on securing your family's financial well-being.
Monik...2024-06-1317 min
Let's Talk Money with Monika HalanUnderstanding if NPS Works For YouOn Let’s Talk Money, we’re going back to the past to bring back some of our favourite bits of the podcast… just in case you missed it.
This week, Monika unravels the backstory of the National Pension System (NPS), tracing its origins from the OASIS Project committee to its implementation by the Indian government. Learn how the NPS emerged as a defined contribution, low-cost scheme to address old age security concerns, particularly for those outside the organised sector. Discover the intricacies of the NPS, its investment options, tax benefits, and considerations for individuals seeking long-term financi...2024-05-3018 min
Let's Talk Money with Monika HalanFrom Simply Saving to Intelligent InvestingOn Let’s Talk Money, we’re going back to the past to bring back some of our favourite bits of the podcast… just in case you missed it.
Today, Monika unravels the crucial distinction between saving and investing, emphasising why they should never be used interchangeably. From understanding the basics of savings to exploring the potential of investments across various asset classes, she delves into the transformative power of transitioning from savers to intelligent investors.
Also, she answers your pressing questions about how much is enough for a retirement kitty if you have kids, how to...2024-05-2318 min
LimitlessAnushka Rathod and Monika Halan - Don't let money be your master, you are the master of your moneyOn this episode of Two’s Company, we have financial advisor & content creator, Anushka Rathod and financial journalist and author, Monika Halan. They talk to each other about how they both fell in love with finance, how financial literacy and the concept of investment has evolved over the years in India and how money is something we all need till our last breath, so it’s best to make it your friend. Shop the look here: www.westside.com Follow Westside here: https://www.instagram.com/westsidestores CREDITS: Guest...2024-05-2030 min
Let's Talk Money with Monika HalanMaking Smart Homeownership DecisionsOn Let’s Talk Money, we’re going back to the past to bring back some of our favourite bits of the podcast… just in case you missed it.
This week, Monika dives into the age-old debate: Should you rent or buy a home? Exploring generational shifts in home ownership patterns and debunking conventional wisdom, she navigates through the complexities of EMIs, down payments, and fixed versus floating interest rates.
Monika also answers your questions about what to consider when you’re opening your first bank account, how to decide how much you need in your retir...2024-05-1617 min
Let's Talk Money with Monika HalanThe ABC of Health InsuranceOn Let’s Talk Money, we’re going back to the past to bring back some of our favourite bits of the podcast… just in case you missed it.
Today we’re talking about medical insurance and the pitfalls of purchasing policies without understanding the fine print. We have a checklist that will help you find the right medical insurance plan - helping you understand how to balance premium costs with comprehensive benefits, navigating co-pay clauses and pre-existing disease coverage. Tune in as we demystify the intricacies of medical insurance and help safeguard your financial well-being in times of...2024-05-0921 min
Let's Talk Money with Monika HalanShould You Ever Buy a Bundled Life Insurance Product?In this episode of Let's Talk Money, host Monika Halan dives deep into the pitfalls of bundled life insurance products, urging listeners to steer clear of these financial traps. She reveals how traditional plans like money back and endowment policies prey on investors with deceptive sales tactics, hefty surrender costs, and paltry returns. With a critical eye on regulatory shortcomings, Monika empowers listeners to protect their financial interests by steering clear of bundled insurance and opting for more transparent investment options.
From optimising investments for multiple goals to opening a PPF account for a child, no topic i...2024-04-2514 min
Let's Talk Money with Monika HalanHow Does Capital Gains Tax Impact Your Investments?As tax-filing season approaches, Monika breaks down the basics of capital gains tax. She unravels the distinction between income and profits, shedding light on how different asset classes are taxed. From real estate to stocks, learn about the holding periods that determine whether your gains are classified as short or long term, and discover the varying tax rates associated with each. Monika also dives into the concept of indexation, demystifying how it can help mitigate tax liabilities by accounting for inflation over time. Plus, find out what options are available if you incur losses, including set-offs and carrying losses...2024-04-1816 min
Let's Talk Money with Monika HalanIs Equity Investment Your Gateway to Financial Freedom?Join Monika Halan on this insightful episode of Let's Talk Money as she delves into the world of equity investment. From understanding the fundamentals of equity ownership to exploring the dynamics of stock markets, Monika breaks down complex concepts into digestible insights. Uncover why equity is more than just a financial asset, and how it acts as a gateway to building real wealth and financial independence.
From young professionals starting their careers with queries about investing their surplus income to individuals in their 40s looking to secure their and their children's future, Monika provides practical advice tailored...2024-04-1114 min
Let's Talk Money with Monika HalanShould You Invest in Sovereign Gold Bonds?In this episode of Let's Talk Money, Monika unpacks the intricacies of Sovereign Gold Bonds (SGBs). From understanding their purpose in reducing gold imports to exploring tax benefits and investment strategies, Monika provides insights into this alternative to holding physical gold. Discover why SGBs offer a convenient and lucrative option for investors looking to diversify their portfolios and secure their financial future. Tune in to learn how SGBs can transform your approach to investing in gold!
Monika also addresses concerns ranging from investment strategies to home loan dilemmas. She provides insightful advice on evaluating portfolio performance, making...2024-04-0415 min
Let's Talk Money with Monika HalanHow to Use the Risk-o-Meter to Evaluate Your Mutual Fund Risk?In this episode, we uncover how the Risk-o-Meter plays a crucial role in measuring and understanding the risk associated with different mutual fund schemes. Monika breaks down the evolution of the Risk-o-Meter, starting from its inception in 2013 to the recent changes mandated by SEBI. We explore the flaws of the previous version, which failed to accurately depict the varying risk attributes within asset classes. Learn how investors and advisors can leverage this tool to make more informed decisions, especially in the realm of debt funds where portfolio quality can fluctuate significantly over time.
We dissect the intricacies...2024-03-2814 min
Let's Talk Money with Monika HalanWhen is the Public Provident Fund Your Best Investment Choice?In this episode of Let's Talk Money, Monika dives deep into the asset class called debt and unpacks the nuances of debt as an investment option. She explains how debt instruments function, from fixed deposits to government bonds, emphasising the correlation between risk and return. She also discusses the role of debt products in providing stability to investment portfolios, contrasting their characteristics with more volatile equity investments and also touches upon the tax implications of debt products.
Join Monika as she addresses common questions about the Public Provident Fund (PPF). From evaluating PPF as a long-term core...2024-03-2115 min
Let's Talk Money with Monika HalanWhat’s Your Investment Worth In Market Cap?Join Monika on Let's Talk Money as she demystifies market capitalisation (market cap) and its significance in investments. Learn how to categorise stocks into large, mid, and small caps, and discover the ideal portfolio mix for long-term investors. Tune in for a quick dive into the essentials of understanding and using market capitalisation to build your portfolios.
In this episode, Monika dives into the intricacies of financial planning in your forties. From optimising debt investments to strategising during different interest rate cycles, she offers expert advice tailored to each listener's unique situation. Tune in to discover actionable...2024-03-1415 min
Let's Talk Money with Monika HalanHow Can We As Women Secure Our Financial Future?Join Monika on this episode of Let's Talk Money as she demystifies real estate investment trusts (REITs). Gain a deep understanding of how REITs function and the regulatory landscape they operate within. Explore the potential returns for investors, the various types of properties involved, and who should consider adding REITs to their investment portfolio. Whether you're a seasoned investor or new to the world of finance, don't miss out on this insightful discussion about this intriguing investment avenue.
Also, to celebrate women this Women’s Day, Monika addresses the financial concerns of four remarkable women. Whether you're a...2024-03-0713 min
Let's Talk Money with Monika HalanWhat is the Sensex and Nifty50?In this episode, Monika dives into the intricacies of index investing, unravelling the mystery behind the index number. She breaks down the fundamentals of index numbers for the Sensex and Nifty 50, drawing parallels with the familiar inflation index. Uncover the essence of these indices, understanding their composition, dynamics, and significance in the world of finance. Learn how to use index investing as a low-cost and efficient strategy to secure your financial future.
Join Monika as she navigates the intricacies of retirement planning for individuals at various stages of life. Discover actionable strategies tailored for every milestone, from...2024-02-2916 min
Let's Talk Money with Monika HalanIs NPS the Ultimate Retirement Solution?Today, Monika delves into the intricacies of the National Pension Scheme (NPS). Discover the backstory behind its inception and learn about its numerous benefits as a retirement planning tool. Monika explains how pensions can now be targeted with a flexibility of investment choices, and why NPS is gaining popularity as a low-cost and efficient option for securing your financial future.
Learn how to kickstart your investment journey in India as an NRI, decipher the complexities of insurance structuring for maximum benefits, and navigate the financial landscape of relocating back to India after years abroad. Tune in as Mo...2024-02-2215 min
Let's Talk Money with Monika HalanHow Should You Manage Your Student Loans?This week, Monika dives into the power of compound interest. Learn how simple investments can yield extraordinary returns over time, and discover the dual nature of compound interest both as a wealth-building tool and a cautionary tale for managing debt wisely.
From weighing the pros and cons of taking educational loans to early aspirations of earning and building towards a secure financial future, Monika takes on your questions about navigating the complex world of finances. Tune in as she offers her expert guidance, discussing the importance of financial planning, debt management, and smart investment strategies.
Ch...2024-02-1513 min
Let's Talk Money with Monika HalanHow Do Taxes Shape Our Lives?Join us this week as Monika helps you understand the basic framework of personal income tax. From the different heads under which we as individuals pay taxes directly to the government, to the difference between gross income and taxable income, she demystifies it all. She also explores how taxation can influence our behaviour.
She also takes on your questions about trying to cope with debt. Whether it’s juggling home loans, a bad credit score, or the importance of an emergency fund, Monika addresses your financial concerns and guides you towards a life that is debt free as...2024-02-0818 min
Let's Talk Money with Monika HalanHow Should You Invest & Exit From Your Investments?In the last episode of the season, Monika shares insights on recommending trustworthy planners and navigating the complexities of financial intermediaries. She also breaks down the distinction between mutual fund distributors and registered investment advisors to help you make an informed decision about who’d be a better fit for you.
Monika also takes on your questions about planning for goal-oriented investments and optimising existing resources in a tax-efficient manner. She revisits the formulae for figuring out how much you need to save for your retirement corpus and she delves into the aspects of mutual fund redemption an...2024-02-0117 min
Let's Talk Money with Monika HalanBudget 2024: What’s Behind The Numbers?Budgets are an important part of our country as they define the flows of money from and into the economy. As we gear up for Budget 2024, Monika dives into the intricacies of this annual fiscal exercise. In this special episode, she breaks down the union budget, drawing parallels between government and household budgets. Monika sheds light on deficits, their implications, and why not all deficits are created equal.
Find out how government spending shapes the economy and where your tax money goes. Uncover the hidden stories within the budget, from off-budget items to the larger narrative it w...2024-01-2518 min
Let's Talk Money with Monika HalanHow Can You Get Your Investment Choices Right?In this episode, Monika highlights the importance of shifting from the mindset of simply saving to intelligent investing. Recognize the need for intentional savings and how they can evolve into smart investments. Find out about the potential gains of investing across diverse asset classes, and how to make your money work hard for you.
Monika also tackles pertinent questions about crafting the perfect mix of investments through your own asset allocation. She also underlines the unique dynamics of the Indian real estate market vs the Indian stock market, and explains how your choice of products will depend...2024-01-1817 min
Let's Talk Money with Monika HalanWhat’s The Right Mix Of Funds In My Mutual Fund Portfolio?As the budget season approaches, Monika sheds light on the fiscal deficit, a critical number in the annual budget. Explore how the deficit impacts your life, how the government finances it, and why it matters where the borrowed money is spent. Uncover the intricacies of deficit financing, borrowing, and the ripple effects on inflation and private sector growth. Discover the government's spending priorities and the balancing act to prevent runaway inflation.
Monika also answers your questions about the nuances of mutual fund strategies. She discusses passive vs. active funds, crafting the perfect fund mix, and the pitfalls...2024-01-1225 min
Let's Talk Money with Monika HalanHow Do I Plan For My Retirement?In Episode 08, Monika breaks down the factors that influence currency strength. Delve into the complex world of currency markets, and discover why a strong currency isn't preferred by exporters. From inflation to capital flows, Monika explains what causes the rupee’s depreciation and offers insight into the economic forces shaping our global transactions.
Monika also takes on your questions about planning for your retirement! Are your twenties too early to be planning? How should you begin to calculate how much you’ll need? How do your capital investments factor in? Tune into this episode to get answers to a...2024-01-0424 min
Let's Talk Money with Monika HalanWhat’s The Financial Forecast for 2024? Monika Halan in conversation with Swarup MohantyWelcome to a special episode as we ring in the new year with Swarup Mohanty, Vice Chairman of the board of Mirae Asset Management, a South Korean-owned fund house. Monika asks Swarup questions that address the anticipation and expectation of what the New Year will bring, in the face of global geopolitical challenges as well as uncertainties closer to home.
Monika asks Swarup to share insights on navigating the VUCA (volatility, uncertainty, complexity, and ambiguity) world, the impact of US Fed rates, and potential economic headwinds. They talk about India's growth story, inflation, market trends, and Swarup's p...2023-12-2842 min
Let's Talk Money with Monika HalanWhich Life Insurance Policy Is Right for You?Today, Monika takes on cryptocurrencies, as she delves into how banks worldwide view it, and what this token really represents. She also breaks down the intricacies of the value of the crypto coin, and the factors that contribute to its volatile rise and fall.
Monika also takes on your questions about the different kinds of life insurance policies out there and which one might work best for you. Tune in as she simplifies insurance policies, so you're equipped to make informed decisions about your financial future.
Chapters:
(00:30 - 09:18) Demystifying Cryptocurrencies
(09:33 - 17:25) Q...2023-12-1128 min
Let's Talk Money with Monika HalanHow To Strategize Your Finances When Raising Children?
This Friday, Monika unravels the intricacies of mutual funds. Will they lead to a short term gain or is this a long marathon? Tune in as Monika explains how to navigate this vehicle to invest in securities like stocks and bonds, how to create a diverse portfolio of funds, and picking the right scheme to manage your money.
Monika also tackles pertinent questions from listeners about managing your finances with the decision to have kids: covering the costs of IVF and egg freezing, how to plan for expenses involved in raising children, and the importance...2023-11-3026 min
Let's Talk Money with Monika HalanHow Can I Escape The Debt Trap?In today’s episode, Monika takes up how to decide on the best medical insurance for yourself and your family, and takes up your financial confusions about personal debt. She breaks down the essential factors to consider while selecting medical insurance, from avoiding common pitfalls to ensuring you have the coverage you need.
Whether you're dealing with a daunting debt trap, considering taking out a loan without falling into a financial pitfall, or facing distressing situations due to loans from apps, Monika's practical advice will guide you toward financial stability.
Chapters:
(00:30 - 06:40) When Opt...2023-11-3023 min
Let's Talk Money with Monika HalanHow Do I Build Financial Fitness in the Gig Economy?Today, we’re deep diving into the timeless debate of rent vs buy. Monika sheds light on essential factors that should influence your decision: from the sustainability of high EMIs to the different kinds of home loans out there, she’s got you covered!
Plug in your headphones in as Monika Halan equips you with the tools to master your money and takes on your questions about finding your way around fluctuating income, navigating past blunders, and running a small business with your eye to the future.
Chapters:
(00:30 - 05:10) Should I Buy Or Rent...2023-11-2217 min
Let's Talk Money with Monika HalanHow Do I Start My Financial Journey?In our very first episode, Monika delves into the latest financial news, unpacking the ups and downs of the stock markets and telling you how to find the steady path to long-term returns.
Monika also answers pressing questions from opening your first bank account to navigating the world of credit cards and what to do with your very first salary.
Chapters:
(00:30 - 03:33) Ups & Downs in Stock Markets
(03:44 - 08:11) Question: Opening Your First Bank Account
(08:15 - 12:06) Question: What Should I Use Credit Cards For?
(12:09 - 16:01) Question: Dividing Your S...2023-11-1417 min
Let's Talk Money with Monika HalanHow Do I Think of Relationships with Money?This episode is all about relationships, where we get into the nitty gritties of how the stock market relates to the economy, as well as how money seeps into your interpersonal relationships.
Tune in as Monika answers your questions about how to navigate conversations about money with your partner, contemplating joint accounts, and how to contribute to household finances!
Chapters:
(00:30 - 06:12) Causes For Inflation
(06:27 - 09:47) Question: Money Conversations With My Partner
(09:50 - 11:56) Question: How Should I Think Of Joint Finances?
(11:58 - 13:57) Question: Contributing to H...2023-11-1015 min
Let's Talk Money with Monika HalanTrailerIt's time to take control of your financial destiny with Monika Halan as your guide. Tune in every week as we explore everything money: from debt, to mutual funds, to managing your finances that will make you feel confident and more secure.
If you have any questions for Monika,
You can find Monika on her social media,
Twitter @MonikaHalan
Instagram @MonikaHalan
Facebook @MonikaHalan
Or email mailme@monikahalan.com 2023-10-1800 min
The Sound of Money by Santosh SirurEP 38: Let's Talk Mutual Funds with Monika Halan & Santosh SirurOn ep 38, of The Sound of Money, eminent Author, Ms. Monika Halan joins Santosh Sirur to chat on her recently released book - Let's Talk Mutual Funds.
Monika Halan is a trusted personal finance writer, speaker and author who helps families get their money decisions right. Monika Halan’s 30-year career spans across media, public policy and financial education. She is the Founder of Dhan Chakra Financial Education and Author of the bestselling books, Let’s Talk Money that has been translated into Hindi, Marathi and Punjabi and Let’s Talk Mutual Funds. She is the Chairperson of Sebi’s Advisory...2023-09-3027 min
Vaadसंवाद # 116: How to select Mutual Funds & how not to | Monika Halan's masterclass on MoneyMonika Halan’s career spans across media, public policy and financial education. She is the Founder of Dhan Chakra Financial Education and Author of the bestselling book, Let’s Talk Money. She has public policy experience and has served on several high-profile government of India and SEBI committees. She has worked across various media organisations in India, including Mint, The Economic Times and The Indian Express, and was Editor Outlook Money.
She has run four successful TV series around personal finance in NDTV, Zee and Bloomberg India. She is an MA in Economics from the Delhi School of Economics and...2023-07-281h 02
Escape Into a New Chapter With Full AudiobookLet's Talk Mutual Funds: A Systematic, Smart Way to Make Them Work for You Audiobook by Monika HalanListen to this audiobook in full for free onhttps://hotaudiobook.com/freeID: 699009
Title: Let's Talk Mutual Funds: A Systematic, Smart Way to Make Them Work for You
Author: Monika Halan
Narrator: Jasleen Bhalla
Format: Unabridged
Length: 07:05:23
Language: English
Release date: 07-26-23
Publisher: HarperCollins Publishers India
Genres: Business & Economics, Personal Finance
Summary:
In the past two decades, mutual funds have emerged as the preferred investment option for Indians. They offer liquidity, and ease of entry and exit, along with potentially higher returns. This, in turn, makes mutual funds a natural choice over traditional investment options such as gold, real estate...2023-07-267h 05
Listen to Trending Full Audiobooks in Business & Economics, Accounting & FinanceLet's Talk Mutual Funds: A Systematic, Smart Way to Make Them Work for You by Monika HalanPlease visithttps://thebookvoice.com/podcasts/1/audiobook/699009to listen full audiobooks.
Title: Let's Talk Mutual Funds: A Systematic, Smart Way to Make Them Work for You
Author: Monika Halan
Narrator: Jasleen Bhalla
Format: Unabridged Audiobook
Length: 7 hours 5 minutes
Release date: July 26, 2023
Genres: Accounting & Finance
Publisher's Summary:
In the past two decades, mutual funds have emerged as the preferred investment option for Indians. They offer liquidity, and ease of entry and exit, along with potentially higher returns. This, in turn, makes mutual funds a natural choice over traditional investment options such as gold, real estate and fixed deposits. However, while the popularity...2023-07-267h 05
From the bookshelves of Forbes IndiaMonika Halan talks mutual funds, financial influencers and how to grow your moneyHer previous book, Let’s
Talk Money, was a national bestseller and in it, Monika Halan offered a
practical approach to financial security and how we can make our wealth work
for us. In her latest book Let’s Talk
Mutual Funds, she provides a wealth of information on everything you
possibly need to know about investing in mutual funds. Halan also talks to
Divya Shekhar about the psyche of the Indian investor, the role of financial
influencers on social media, why the government’s recent move to tax debt
mutual fund investments as short-term capital gains is not very w...2023-07-0623 min
Escape Into a New Chapter With Full AudiobookBaat Paise Ki: Mehnat ki Kamai se Karaye Mehnat Audiobook by Monika HalanListen to this audiobook in full for free onhttps://hotaudiobook.com/freeID: 693597
Title: Baat Paise Ki: Mehnat ki Kamai se Karaye Mehnat
Author: Monika Halan, Mridula Halan
Narrator: Vasundhra Bose
Format: Unabridged
Length: 06:48:08
Language: English
Release date: 06-28-23
Publisher: HarperHindi
Genres: Business & Economics, Personal Finance
Summary:
We work hard to earn our money. But regardless of how much we earn, the money worry never goes away. Wouldn't it be wonderful if our money worked for us just as we work hard for it? What if we had a proven system to identify dud investment schemes? What if we could...2023-06-286h 48
Listen to Trending Full Audiobooks in Business & Economics, Accounting & FinanceBaat Paise Ki: Mehnat ki Kamai se Karaye Mehnat by Mridula Halan, Monika HalanPlease visithttps://thebookvoice.com/podcasts/1/audiobook/693597to listen full audiobooks.
Title: Baat Paise Ki: Mehnat ki Kamai se Karaye Mehnat
Author: Mridula Halan, Monika Halan
Narrator: Vasundhra Bose
Format: Unabridged Audiobook
Length: 6 hours 48 minutes
Release date: June 28, 2023
Genres: Accounting & Finance
Publisher's Summary:
We work hard to earn our money. But regardless of how much we earn, the money worry never goes away. Wouldn't it be wonderful if our money worked for us just as we work hard for it? What if we had a proven system to identify dud investment schemes? What if we could just plug seamlessly into a...2023-06-286h 48
ANI Podcast with Smita PrakashEpisode 67 - Demystifying Rs 2000 note withdrawal, TCS, LRS & managing finance with Monika HalanWith the Reserve Bank Of India announcing the withdrawal of Rs 2000 notes from circulation as part of a currency management exercise and allowing people to exchange or deposit them in their accounts by September 30, 2023. People are in a fix over the procedure, the number of notes which can be exchanged by a person per day among others and what will be the fate of notes after the central bank's deadline. In this special edition of Podcast with Smita Prakash, the RBI's decision of Rs 2000 note withdrawal and its impact are discussed in detail with Monika Halan who is a f...2023-05-281h 15
Vaadसंवाद 102: Monika Halan's masterclass on how to grow your money and secure your livesMonika Halan’s career spans across media, public policy and financial education. She is the Founder of Dhan Chakra Financial Education and Author of the bestselling book, Let’s Talk Money. She has public policy experience and has served on several high-profile government of India and SEBI committees. She has worked across various media organisations in India, including Mint, The Economic Times and The Indian Express, and was Editor Outlook Money.
She has run four successful TV series around personal finance in NDTV, Zee and Bloomberg India. She is an MA in Economics from the Delhi School of Economics and...2023-04-261h 04
Goela House Of FinanceSaving and Investing in 20s ft. Monika Halan | House Of FinanceWhat should be your relationship with money? How to start financial planning and avoid common mistakes? What's the biggest advice for people in their 20s and 30s?In this episode, the house of finance is in talks with Monika Halan, one of the biggest voices in the Indian personal finance space. She is also the author of the best-selling book " Let's Talk Money ". This podcast video will help you understand the key money matters needed to live a balanced financial life whether you are in your 20s or 30s. Watch the full podcast to get the...2021-11-2948 min
The One Percent Show with Vishal KhandelwalEp. 11 - Monika Halan on Money Mantras, Biggest Financial Regrets, and Handling Life's Real Wealth WellMonika Halan is author of the best-selling book Let's Talk Money, and one of the rare voices of sanity in the Indian personal finance space. In this episode, we talk about key money mantras to live a balanced financial life, money lessons to teach kids, asset allocation, the biggest money regrets people have, and much more.2021-11-011h 01
Paisa Vaisa with Anupam GuptaThe Monika Halan SpecialThis week on #PaisaVaisa, Anupam Gupta is joined by Monika Halan, Writer, Author and Speaker. She wrote a book on Indian Finance called 'Let's Talk Money: You've Worked Hard for It, Now Make It Work for You'. Anupam and Monika discuss how Indian Finance has changed in 2020 and what are Monika's view on the recent boom of financial education in India. Further, they talk about what are some of the stigmas around the word 'death' & 'money' present in society, what are the basic criteria to choose life and health insurance for people of different ages and advice on how to...2021-10-1838 min
Ecoholics 'Thinking Tree'How COVID is affecting our personal finances? Monika Halan Consulting Editor with MintA well-known media personality, Monika Halan is a Consulting Editor with Mint and Adjunct Professor at the Indian Institute of Corporate Affairs. She is a regular speaker on financial literacy, regulation, inclusion and consumer issues in retail finance. She has a Master’s in Economics from the Delhi School of Economics and a second Master’s in Journalism Studies from College of Cardiff, University of Wales, UK. She has worked across various media organisations in India, has run four successful TV series around personal finance in NDTV, Zee and Bloomberg India. Monika also has public policy expe...2021-05-1733 min
Live With BooksLet’s Talk Money by Monika HalanThis episode is also available as a blog post: http://livewithbooks.blog/2020/07/12/lets-talk-money-by-monika-halan/2021-05-1001 min
Money KonnectEpisode 16 - Money management with Monika HalanMoney management forms an integral part of our lives. While you hear about money all the time, you might not always find enough material to read and understand it. Considering the low level of financial literacy in India, there is an imminent need for simple and relatable content on money management. In this Edelweiss Money Konnect podcast episode, Radhika Gupta, MD & CEO of Edelweiss AMC has an insightful conversation with Monika Halan, Consulting Editor with Mint and author of the best-selling book ‘Let’s Talk Money’. Listen and learn the five golden rules of money management.Key takeaw...2021-03-3042 min
Use CaseLet's Talk Money with Monika HalanWelcome to yet another episode of The Use Case Podcast. I hope you've started thinking about your new year’s resolutions because if you are then you've got to listen to today's show. Believe me, it's going to change how you think about money. Our guest today is Monika Halan, the author of the best-selling book Let's Talk Money, published by Harper Collins in 2018. Monika has worked across several media organizations in India and has run many successful TV shows around personal finance in NDTV, Zee, and Bloomberg.She's also a consulting editor at Mint. And ever since I...2020-12-2847 min
Bharatvaarta#039 - Investing & Finance | Monika Halan (Consulting Editor, Mint & Author, "Let's Talk Money")In this episode, Roshan Cariappa speaks to Monika Halan (Consulting Editor, Mint & Author of ‘Let’s Talk Money’) about creating wealth sustainably. Monika has over two decades of experience covering business, economy, and personal finance in India. In this episode, she discusses how Indian investor’s attitudes have changed over the years, the foundations of managing money, investing in equity markets, rise of Fintechs and new assets, how monetary policy affects people’s savings, what the Government should do to transition us from a “buyer beware” market to a “seller beware” market, and why she is optimistic going forward for the...2020-08-2456 min