Monika 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 question on shifting to a more tax advantaged product than debt funds.

And last, a worry about planning mutual fund investments so that the kids can get the money without having to sell the funds.

Chapters:

(00:35 - 03:47) Government Spending and Its Impact on GDP Growth

(03:48 - 07:12) Changes to Public Provident Fund (PPF) Rules and Consolidating Financial Accounts

(07:47 - 10:49) When to Sell in a Bull Market and the Importance of Asset Allocation

(11:11 - 14:18) Shifting from Debt Funds to Arbitrage or Equity-Saving Schemes Post-Tax Changes

(14:25 – 17:17) Legacy Planning and Managing Expectations for Children's Inheritance

If you have financial questions that you’d like answers for, please email us at mailme@monikahalan.com

Monika’s book on basic money management

⁠https://www.monikahalan.com/lets-talk-money-english/⁠

Monika’s book on mutual funds

https://www.monikahalan.com/lets-talk-mutual-funds/

Monika’s workbook on recording your financial life

⁠https://www.monikahalan.com/lets-talk-legacy/⁠

Calculators

⁠https://investor.sebi.gov.in/calculators/index.html⁠

You can find Monika on her social media @monikahalan.

Twitter ⁠@MonikaHalan⁠

Instagram ⁠@MonikaHalan⁠

Facebook ⁠@MonikaHalan⁠

LinkedIn @MonikaHalan

Production House: www.inoutcreatives.com

Production Assistant: Anshika Gogoi

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 pre-existing diseases, and why you should not place emergency funds in cooperative and small-scale banks.

Chapters:

(00:31 - 07:29) Common Money Worries

(07:43 - 09:42) Financial Security While Working in a Family Business

(09:45 - 11:06) Should You Opt Out Of Your Insurance Policy?

(11:08 - 12:05) Health Insurance with a Pre-existing Disease

(12:07 - 13:19) Storing Emergency Funds in Small Scale Banks

If you have financial questions that you’d like answers for, please email us at mailme@monikahalan.com

Monika’s column on the issue

https://www.hindustantimes.com/opinion/eat-the-rich-but-do-it-in-a-logical-way-101719846246923.html

Monika’s book on basic money management

https://www.monikahalan.com/lets-talk-money-english/

Monika’s book on mutual funds

https://www.monikahalan.com/lets-talk-mutual-funds/

-funds/

Monika’s workbook on recording your financial life

https://www.monikahalan.com/lets-talk-legacy/

Calculators

https://investor.sebi.gov.in/calculators/index.html

You can find Monika on her social media @monikahalan.

Twitter @MonikaHalan

Instagram @MonikaHalan

Facebook @MonikaHalan

This is a Maed In India Production; check us out at www.maedinindia.in

Creative Director: Mae Mariyam Thomas

Project Manager: Shaun Fanthome

Head of Audio: Kartik Kulkarni

Producer: Meghna Gulati

Sound Editor: Lakshman Parsuram

Artwork: Alika Gupta

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 and retirement corpus before marriage, and how to invest your gratuity amount for a short term duration.

Chapters:

(00:31 - 05:15) The Importance Of Debt Products

(05:31 - 07:04) EPF vs NPS

(07:07 - 08:52) Building A Corpus Before Marriage

(08:53 - 11:11) Investing For Short Term

If you have financial questions that you’d like answers for, please email us at mailme@monikahalan.com

Monika’s book on basic money management

https://www.monikahalan.com/lets-talk-money-english/

Monika’s book on mutual funds

https://www.monikahalan.com/lets-talk-mutual-funds/

Monika’s workbook on recording your financial life

https://www.monikahalan.com/lets-talk-legacy/

Calculators

https://investor.sebi.gov.in/calculators/index.html

You can find Monika on her social media @monikahalan.

Twitter @MonikaHalan

Instagram @MonikaHalan

Facebook @MonikaHalan

This is a Maed In India Production; check us out at www.maedinindia.in

Creative Director: Mae Mariyam Thomas

Project Manager: Shaun Fanthome

Head of Audio: Kartik Kulkarni

Producer: Meghna Gulati

Sound Editor: Lakshman Parsuram

Artwork: Alika Gupta

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 demat account in the name of non-earning family members, and opting for mutual funds over exchange traded funds.

Chapters:

(00:31 - 04:38) Women Take Control Of Money

(04:51 - 07:10) When Selecting A Fund

(07:13 - 08:03) Financial Literacy For Kids

(08:05 - 09:27) Opening A Demat Account In Someone Else’s Name

(09:30 - 11:25) Mutual Funds vs Exchange Traded Funds

If you have financial questions that you’d like answers for, please email us at mailme@monikahalan.com

Monika’s book on basic money management

https://www.monikahalan.com/lets-talk-money-english/

Monika’s book on mutual funds

https://www.monikahalan.com/lets-talk-mutual-funds/

Monika’s workbook on recording your financial life

https://www.monikahalan.com/lets-talk-legacy/

Calculators

https://investor.sebi.gov.in/calculators/index.html

You can find Monika on her social media @monikahalan.

Twitter @MonikaHalan

Instagram @MonikaHalan

Facebook @MonikaHalan

This is a Maed In India Production; check us out at www.maedinindia.in

Creative Director: Mae Mariyam Thomas

Project Manager: Shaun Fanthome

Head of Audio: Kartik Kulkarni

Producer: Meghna Gulati

Sound Editor: Lakshman Parsuram

Artwork: Alika Gupta

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 market index funds.

Chapters:

(00:31 - 05:48) Personal Nudges For Better Money Decisions

(06:01 - 07:40) Portfolio Management Scheme vs. Mutual Funds

(07:42 - 10:52) Reworking Your Asset Allocation

(10:54 - 12:00) Why Broad Market Index Funds?

If you have financial questions that you’d like answers for, please email us at mailme@monikahalan.com

Monika’s book on basic money management

https://www.monikahalan.com/lets-talk-money-english/

Monika’s book on mutual funds

https://www.monikahalan.com/lets-talk-mutual-funds/

-funds/

Monika’s workbook on recording your financial life

https://www.monikahalan.com/lets-talk-legacy/

Calculators

https://investor.sebi.gov.in/calculators/index.html

You can find Monika on her social media @monikahalan.

Twitter @MonikaHalan

Instagram @MonikaHalan

Facebook @MonikaHalan

This is a Maed In India Production; check us out at www.maedinindia.in

Creative Director: Mae Mariyam Thomas

Project Manager: Shaun Fanthome

Head of Audio: Kartik Kulkarni

Producer: Meghna Gulati

Sound Editor: Lakshman Parsuram

Artwork: Alika Gupta