In this finale episode of Moneywise, we move from concepts to understanding real-world application, and explore the practical aspects of multi-factor model portfolio management. We explain how different factors can be combined into a structured investment framework through a step-by-step explanation.

In this episode, we break down:
• How multi-factor portfolios are structured in practice
• The role of multi-factor model portfolio management in balancing different market behaviours
• How momentum and size factors are used within investment frameworks
• Common mistakes seen in factor-based investing approaches
• How factor-based approaches can be relevant in mutual fund investing discussions

This episode is designed to help viewers understand how factor-based ideas translate into real-world portfolio frameworks, especially for those looking to move beyond single-factor thinking.

This content is for educational purposes only and should not be considered investment advice or a recommendation to buy or sell any securities or adopt any investment strategy.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

In this episode of Moneywise, we decode 3 key factors in investing: Momentum, Size, and Low Volatility. We understand these using real-life examples that you’ll actually relate to.

But how do these factors actually work in real markets?

In this deep dive, we explain:
- Factor investing explained in simple, practical terms
- How factor investing strategies are structured using momentum, size, and volatility
- What momentum factor investing looks like and why trends may persist at times
- How factor size investing differs from large-cap investing
- How multiple factors are used in investment frameworks
- How to learn factor investing without trying to time the market

This episode will help you understand factor investing as a framework, whether you’re exploring strategies, comparing funds, or strengthening your investing basics.

This content is for educational purposes only and should not be considered investment advice or a recommendation to buy or sell any securities or adopt any investment strategy.

In this episode of Moneywise, we decode the three powerful styles that influence how portfolios are constructed — Growth, Value, and Momentum.

These aren’t stock tips. They’re structured approaches used in factor investing.

Here’s what you’ll learn:

• What Growth factor investing means and how earnings expectations drive pricing
• How Value factor investing identifies relatively lower-valued companies using ratios like P/E, P/B and EV/EBITDA
• What Momentum investing focuses on and why trends sometimes persist
• Factor investing quality vs value vs growth — how different styles behave across market cycles
• Why no single factor outperforms in every phase
• How factor-based mutual fund strategies are structured

If you’ve ever wondered how professional portfolios are designed, this episode connects theory to practical understanding.

Mutual fund investments are subject to market risks. Please read all scheme related documents carefully before investing.

In this episode of Moneywise, Virat and Rachita dive into the world of factor investing, the structured, data‑driven approach that quietly influences how many portfolios are built. No jargon overload, no spreadsheet trauma (mostly), just clean explanations and relatable analogies.

Factor investing sounds complex, but at its core, it’s about understanding why certain stocks tend to behave the way they do, and what factors drive long‑term performance.

🎯 In this episode, you’ll explore:
• Factor investing explained in simple, practical terms
• What factors actually mean in real investing
• An easy way to think about quality factor investing
• How investors can start thinking about how to learn factor investing without overcomplicating it
• Why factor-based thinking matters even for mutual funds for beginners

If you’ve ever wondered whether investing decisions can be broken down into repeatable logic instead of pure instinct, this episode connects the dots.

Chapters:
00:00 Intro
01:40 Patterns in Market
03:45 Factors Explained
04:55 Catch in Factor Investing
06:35 Real talk on Factor Investing
07:35 Outro

No promises. No shortcuts. Just a deeper look at how investing frameworks actually work behind the scenes.

In this episode of Moneywise, Virat and Rachita break down the 10 most common investing mistakes that almost everyone falls for, from beginners starting out to long-term investors who think they’ve seen it all.

These are the small slip-ups that can quietly derail your long-term investing journey.

In this episode, we cover:
• Beginner investing mistakes that most people repeat
• The “I’ll time the market” trap
• Overreacting to short-term noise
• Chasing hype instead of having a plan
• Ignoring diversification and risk
• Common investing mistakes to avoid even after years of experience

Chapters:

00:00 Intro
01:40 Chasing Top Performers
02:20 Panic Selling
02:29 Too Many Funds
03:23 Relying on Forwards
04:00 Checking Portfolio Everyday
04:43 Not Setting Goals
05:00 Timing the Market
05:29 No Emergency Fund
06:00 Tax Considerations
07:54 Recap

Whether you’re new to investing or already investing through mutual funds, this episode is a reminder that investing is less about being perfect… and more about avoiding the obvious errors.

Watch till the end and see how many of these mistakes you’ve caught yourself making.

This content is for educational purposes only and should not be construed as investment advice.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

When you invest in a mutual fund, you’re not just buying a basket of stocks. You’re handing your money to someone who decides what goes in, what stays out, and when the recipe needs a change. That someone is the fund manager.

In this episode of Moneywise, Virat and Rachita break down who a fund manager really is using a simple kitchen analogy. Think of the fund manager as the chef, the market as the pantry, and your portfolio as the final dish. Just like a chef follows a process rather than cooking randomly, fund managers follow defined research and risk frameworks while selecting stocks.

🍽️ In this episode, we unpack:
•⁠  ⁠Who is a fund manager and what they actually do day to day
•⁠  ⁠The real responsibilities of a fund manager beyond “buying stocks”
•⁠  ⁠How fund managers select stocks and manage risk behind the scenes
•⁠  ⁠Why some funds actively tweak the recipe while others follow a fixed menu
•⁠  ⁠Active vs passive funds explained in a simple, no-jargon way

Chapters:
00:00 Intro
00:58 Who are mutual fund managers
02:08 What is the responsibility of a fund manager
03:15 Active vs passive funds
05:16 Types of investment philosophy
05:42 What to do when a fund manager leaves?
06:40 Myths about fund managers

This episode helps you understand why the person managing your money matters, how decisions are made inside a mutual fund, and what role a fund manager plays in shaping outcomes over time without making any promises or predictions.

If you’ve ever wondered “Who is deciding where my money goes?” this episode answers that question, calmly and clearly.

🎧 Watch till the end to see why choosing a fund is also about trusting the chef, not just liking the menu.

In Moneywise Season 2 Episode 22, Virat and Rachita explain tax on mutual funds in India in simple language, helping you understand how mutual fund taxation actually works.

In this episode, you’ll learn:
 • How mutual fund capital gains tax applies to equity mutual funds
 • The difference between short-term and long-term capital gains tax on mutual funds
 • Why the 1-year holding period matters for equity mutual fund tax
 • How debt mutual fund taxation rules changed after April 2023
 • What tax-loss harvesting in mutual funds means and when it can reduce tax
 • Why tax should be a factor, not the deciding factor, in investment decisions

If you’ve searched for mutual fund tax explained, tax on mutual funds, long-term vs short-term capital gains, or how mutual fund tax works in India, this episode breaks it down clearly.

This video is for investor education only. Tax laws discussed are as per current regulations and are subject to change.

In this episode of Moneywise, we use a simple railway journey analogy to explain goal-based investing through mutual funds and why matching the right investment to the right timeline is the backbone of smart money management.

You wouldn’t take a bullet train to buy groceries or a local train for a cross-country trip, so why do it with your investments?

🎯 What you’ll learn in this episode:
•⁠  ⁠Why investing without a clear goal is the biggest reason people quit midway
•⁠  ⁠How short-term, medium-term and long-term goals need different strategies
•⁠  ⁠Where emergency funds actually belong (and where they don’t)
•⁠  ⁠How to juggle multiple goals without confusing your portfolio
•⁠  ⁠Common goal-based investing mistakes investors keep repeating
•⁠  ⁠Why annual reviews matter as much as starting an SIP

Timestamps

0:00 – Why “I’m investing for the future” is not a plan
0:45 – Investing without a goal is like travelling without a destination
1:30 – The three goal timelines every investor must know
2:50 – Short-term goals and why safety beats growth here
3:00 – The 6-month emergency fund guideline explained
4:40 – Medium-term goals and the role of balance
5:00 – Why time changes how much risk you can take
6:45 – Managing multiple goals at the same time
7:00 – Building a real-life goal-based investment plan
8:20 – The most common goal-based investing mistakes
9:00 – Why reviewing goals annually is non-negotiable

If you want your mutual fund investments to actually support your life goals, this episode helps connect the dots between financial planning, goal-based investing, and practical money management.

This episode is for investor education purposes only and does not constitute investment advice or a recommendation. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully.

In this episode of Moneywise, we break down portfolio rebalancing in simple, no-jargon language. From why ignoring rebalancing can slowly distort your mutual fund portfolio to how often it actually needs attention, this conversation cuts through the confusion without fear-mongering or flashy claims.

We talk about what rebalancing really means, how asset allocation drifts over time, and why a portfolio that once made sense may no longer match your goals today. Whether you’re new to mutual funds or already investing through SIPs, understanding how to rebalance a mutual fund portfolio is a core skill many investors overlook.

If you’ve ever wondered how one should do rebalancing in mutual funds or struggled with how to rebalance and analyse a mutual fund portfolio, this episode helps you think through the logic calmly and clearly. No shortcuts. No hype. Just a smarter way to look at your investments.

Chapters:
00:00 Intro
01:13 Understanding Rebalancing
03:49 When to Rebalance?
06:12 Rebalancing Method
07:53 Rebalancing Mistakes
10:00 Recap

In this episode of Moneywise, we break down the real meaning of diversification and why many investors unknowingly fall into over-diversification in mutual funds. 

More funds nay not always mean more safety. In fact, the disadvantages of over-diversification in mutual funds often include unnecessary complexity, overlapping holdings, and diluted outcomes.

Through simple analogies and clear logic, we explore how to think about diversification the right way, especially for mutual funds for beginners and anyone starting mutual funds and SIP for beginners. No jargon, no hype, just a practical way to understand how balance matters more than quantity.
Because smart investing isn’t about eating the same thing forever… or trying everything at once. It’s about knowing how much is enough.

Chapters
00:00 Intro
01:11 Underdiversification vs Overdiversification
02:21 Diversification Mistakes
03:40 4 Types of Diversification
05:54 How Many Funds?
06:58 Downsides of Overdiversification
08:02 Myths Busted
09:25 Quick Recap

We break down what is risk in investment, the types of investment risk, and why understanding this balance is a core part of informed investment strategies. No jargon, no promises, just clear financial education to help you think better about risk and return in investing in the stock market before making decisions.

Chapters:
00:00 Intro
01:08 T20 vs Test
02:26 What is Risk?
04:19 Market Stories
07:27 How To Assess Risk
10:15 Practical Tips
12:37 Investment Mistakes

Chapters:
00:00 Intro
01:00 Long-term vs Short-term
04:15 Real-World Examples
07:27 How To Assess Funds
10:14 Practical Advice
12:32 Investment Mistakes to Avoid
14:27 Recap

If you’ve been thinking of entering the market but want something simple, steady, and beginner‑friendly, this episode will help you connect the dots without promising any magic outcomes.

Just like an arranged-marriage shortlist, selecting a category depends on your comfort, expectations, and long-term approach, not on guarantees.

In this episode of Moneywise, we break down what Small Cap, Flexi Cap, and Multi Cap mutual funds are in a clear and relatable way, ideal for beginners or anyone trying to understand how these categories function within equity investing.

Here’s what you’ll learn:

🚀 Small Cap Mutual Funds: Typically higher-volatility categories that invest in smaller companies. They require patience and a longer investment horizon.

🎯 Multi Cap Funds: A fixed mix of large, mid, and small caps as per SEBI’s allocation framework. What this structure means for investors.

🔄 Flexi Cap Funds: No fixed allocation rules. How fund managers can adjust exposure across market caps based on their assessment of conditions.

We also simplify:
•⁠  ⁠How each category works
•⁠  ⁠Why their behaviour differs
•⁠  ⁠How investors generally evaluate them based on risk level and investment horizon

No jargon, no predictions; just a clear guide to help you understand these categories before you decide which one aligns with your comfort and goals.

In this episode of Moneywise, Virat and Rachita take the most relatable route possible… treating types of equity mutual funds like arranged-marriage and love-marriage candidates.

One category represents well-established companies; the other represents growing businesses with big ambitions.

No jargon. No confusion. Just a simple way to understand how these categories differ and how investors think about them.

⸻

🔎 Chapters

00:00 Intro
01:00 What Is a Large Cap Fund?
02:00 Why Investors Consider Large Caps
02:16 What Is a Mid Cap Fund?
03:45 Practical Pointers
04:50 Recap

⸻

🎯 You’ll Learn:
Large Cap Mutual Funds: Funds that invest in the top 100 companies by market capitalisation, typically well-established businesses.
Mid Cap Mutual Funds: Funds that invest in companies ranked 101–250, typically in their growth phase.
How these categories differ: Business size, movement patterns, and how they behave during different market phases.
How investors think about both: Based on investment goals, time horizon, and comfort with market volatility.
Why some mix both: To create a diversified mutual fund portfolio aligned with long-term objectives.

This is a fast, fun, story-led breakdown that finally makes Large Cap and Mid Cap categories easy to understand, without technical overload.

In this episode of Moneywise, Virat and Rachita break down Equity Mutual Funds and Debt Mutual Funds in the simplest way possible; without jargon, without hype, and without any unrealistic claims. This episode helps you understand how these two categories work, how they differ, and how combining them can support long-term financial planning.

Chapters

00:00 Intro
01:37 What is an Equity Mutual Fund
03:09 What is a Debt Mutual Fund
04:30 Common Allocation Mistake
08:30 Goal-Based Planning
08:49 Myths vs Facts
10:00 Recap

You’ll Learn:
• What Equity Mutual Funds invest in and why they come with higher ups and downs
• What Debt Mutual Funds invest in and how they provide relatively stable movement
• Why many investors use both categories to create a balanced, goal-aligned portfolio
• How beginners can think about allocation depending on time horizon and comfort with volatility
• Why understanding the basics matters more than trying to “time the market”

This episode is perfect for anyone starting their investment journey or trying to understand how Equity and Debt may fit into long-term potential wealth creation.

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.

In this episode of Moneywise, we break down the Net Asset Value (NAV), what it really is, how it’s calculated, and why it’s not the same as your mutual fund’s performance. Whether you’re just starting your SIP journey or already exploring different schemes, understanding NAV is key to becoming a smarter investor.

Join Virat and Rachita as they simplify finance concepts like:

- What is Net Asset Value (NAV) per share in Hindi in mutual funds
- How NAV relates to your returns (and how it’s not the only factor!)
- The role of compounding wealth in long-term investing
- Common myths beginners have about net asset value per share

Because sometimes, what seems like a boring number can actually tell the real story of your investments.

👉 Perfect for anyone who’s just starting with mutual funds for beginners or looking to understand the meaning of net asset value in simple terms.

📍Chapters
00:00 Intro
00:40 What We Will Cover
01:25 What is NAV
02:35 Snowball Effect
03:45 Step-up SIP
05:17 Age-based Strategy
06:12 Debunking Myths
07:30 Recap

In this episode of Moneywise, Virat and Rachita break down how to invest in mutual funds and how to start a SIP; no jargon, no sales pitch, just straight talk.

👉 Understand what makes a mutual fund SIP investment work, how to pick a fund that fits your goals, and why consistency (not timing) drives real results.

Whether you’re a beginner exploring mutual funds, or someone finally ready to set up that first SIP, this episode makes investing simple, relatable, and sustainable.

🎧 Because in personal finance, clarity beats complexity every single time.

In this episode of Moneywise, Virat and Rachita break down everything first-time investors get wrong about mutual funds, from picking your first SIP to understanding why your bank balance isn’t growing (hint: inflation is silently eating it).

Expect sharp insights, relatable money confessions, and zero jargon as we talk about:

 • How to actually start investing in mutual funds the smart way
 • Why “waiting for the right time” is the biggest mistake beginners make
 • Simple frameworks to build long-term wealth without feeling overwhelmed

Whether you’re hoarding cash in your savings account or feeling lost in finance lingo, this episode will help you see money through a whole new lens — practical, simple, and a little bit savage.

In this episode of the Moneywise Podcast, Virat and Rachita break down one of the biggest investing myths, waiting for the “right moment”, and explain why time in the market beats timing the market every single time.

They dig into how compounding actually works, why early starts matter, and how even a small delay can make a huge difference to your long-term wealth building. Expect witty banter, simple maths, and stories that’ll make you rethink your “I’ll start next month” mindset.

Here’s what you’ll take away:
•⁠  ⁠Why there’s no perfect age or perfect market condition to begin investing.
•⁠  ⁠How to make your money work for you through the power of compounding.
•⁠  ⁠Simple steps on how to start investing and stay consistent.
•⁠  ⁠A clear guide on how to start SIP even if you’re new to Mutual Funds.
•⁠  ⁠The long-term benefits of starting early and letting time do the heavy lifting.

Whether you’re a student just earning your first salary or a professional waiting for the “right” market entry, this episode shows why one of the smartest steps you can take is to start early and stay consistent.

Tune in if you’ve been wondering what the right time is to invest in mutual funds, because by the end of this episode, you’ll realise you already know the answer.
Tell us in the comments: when did you start your first SIP, or what’s stopping you from beginning today?

Disclaimer: The content shared in this video is for educational and awareness purposes only and should not be considered financial advice. Please consult a financial advisor before making any investment decisions. 

Here’s what we break down:

•⁠  ⁠What exactly lifestyle inflation is and how it creeps into your financial habits.
•⁠  ⁠Why high income doesn’t automatically mean high savings.
•⁠  ⁠How to spot the early signs that you’re falling into the lifestyle inflation trap.
•⁠  ⁠Practical tips on how to budget and save money — without feeling deprived.
•⁠  ⁠Simple ways to build a smarter budget that grows slower than your salary.

If you’ve ever told yourself, “I’ll start saving when I earn more,” this video might change how you see money. The truth is, real wealth comes from discipline, not digits on a payslip.

Watch till the end for a few actionable ideas on how to save money and start taking charge of your financial habits before lifestyle creep takes over.

Disclaimer: The content shared in this video is for educational and awareness purposes only and should not be considered financial advice. Please consult a financial advisor before making any investment decisions.

In this episode of the Moneywise Podcast, Virat and Rachita explore the stage that determines whether your years of hard work and saving actually translate into a comfortable life. It’s about more than just numbers; it’s about using your corpus wisely so you can enjoy retirement with dignity.

Here’s what you’ll hear:
•⁠  ⁠Why good retirement planning isn’t just about how much you save, but how you plan to use it.
•⁠  ⁠How structuring your asset portfolio matters when you start drawing down your savings.
•⁠  ⁠The often-ignored challenges of living off your investments, from inflation to healthcare costs.
•⁠  ⁠Real-world stories that show why the distribution phase is as important as the building phase.
•⁠  ⁠Practical perspectives on financial planning for retirement that can help you think ahead without panic.

Whether you’re decades away from retirement or already planning to use your accumulated corpus, this episode will get you thinking about how to make your money last for the life you want to live.

The aim is simple: to spark smarter conversations about the final stage of wealth creation, one that is as much about peace of mind as it is about managing your asset portfolio.

You’ll hear stories, sharp banter, and a few face-palm moments as we unpack:

- Why simply growing your portfolio isn’t enough if you don’t plan what happens next.
- How unplanned moves during the transfer phase of wealth can undo years of progress.
- Common mistakes investors make, and how poor planning has left some with far less than they expected.
- The role products like a Debt Fund can play in smoothing this stage, and why rushing in or out of assets without a plan can backfire.
- Practical pointers for anyone aiming to turn their savings into a sustainable financial legacy.

Whether you’re just starting with Mutual Fund investments or you’re further along your journey, this episode shows why understanding all phases of investing is as crucial as focusing only on returns.

In this episode of the Moneywise Podcast, Virat (our cautious Millennial) and Rachita (our unapologetic Gen Z) unpack why wealth accumulation is usually step one in the journey towards wealth creation. Think of it as the foundation of a house: without it, the whole structure wobbles.

Here’s what we cover:

•⁠  ⁠The truth about wealth accumulation: why saving and SIPs aren’t boring. They’re like your financial seatbelt.
•⁠  ⁠Building an emergency fund—an underrated first move that can support your long-term journey.
•⁠  ⁠Why skipping straight to step two without a backup plan often ends in stress (and regret).
•⁠  ⁠A relatable wealth accumulation guide for beginners that shows how small, consistent actions can add up over time.

Why this matters:

Because it isn’t just about hoarding cash. It’s about building resilience. From handling sudden expenses to feeling secure enough to take calculated risks, wealth accumulation aims to help you prepare for the bigger moves in your money journey.

If you’ve ever wondered where to begin, or felt FOMO seeing others chase investments while you’re still saving, this episode puts things in perspective. Virat and Rachita bring their signature mix of humour, banter, and practical insights to make finance feel a lot less intimidating.

Takeaway: Before chasing growth, it helps to build safety. Financial freedom often begins with smart saving, SIPs, and a solid emergency cushion.

In this episode of the Moneywise Podcast, Virat (our cautious Millennial) and Rachita (our unapologetic Gen Z) take apart three powerful mental traps that shape how we invest, save, and spend. It’s funny, it’s relatable, and it will definitely make you go: “wait… I do that too!”
Here’s what’s on the table:

Self-Attribution Bias: Why we pat ourselves on the back for every win in the market, but blame external forces when things go south.

Present Bias: Why we prefer instant rewards today over potential future gains, and how it shows up in both shopping sprees and stock investing for beginners.

Bandwagon Bias: Why following the crowd feels safe, but may lead us straight into bubbles. Afterall, “everyone’s buying it” doesn’t make it a good choice.

Why tune in?

Because these aren’t just abstract theories, they’re everyday patterns. From panicking during market dips to joining in on “to the moon” hype, these biases shape how we approach the stock market without us even noticing. And spotting them is the first step to avoiding common mistakes.

If you’ve ever wondered why you behave the way you do with money, whether you’re new to stock investing for beginners or have been in the game for years, this episode makes complex ideas about investor psychology in a stock market podcast style: fun, clear, and relatable.

In this episode of Moneywise Podcast, Virat (the thoughtful Millennial) and Rachita (the unapologetic Gen Z) break down three everyday behavioral biases in investing that can quietly shape how we spend, save, and invest:

•⁠  ⁠Availability Bias: Trusting the most recent or easiest-to-remember info instead of the full picture.
•  Status Quo Bias: Sticking with the default in apps, in life, and even in our portfolios, even when change could help.
•⁠  ⁠Familiarity Bias: Choosing what we already know (brands, stocks, funds) and overlooking other possible options.

In this episode, we break down 5 key things you should know before you invest:

•⁠  ⁠How the BSE India Sector Leaders Index is designed

•⁠  ⁠Why investing in market leaders across industries can bring both diversification and a degree of relative stability compared to smaller companies

•⁠  ⁠The simple, index-tracking methodology of the fund

•⁠  ⁠The potential role of such funds in long-term portfolios

•⁠  ⁠Who may consider this type of investment option

This NFO video will help you understand the fund structure better so you can take informed investment decisions.

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing.

In this lively episode of Moneywise, Virat (our cautious Millennial) and Rachita (our unapologetic Gen Z) dive into the fascinating tug-of-war between crowd wisdom and individual stupidity, and uncover 3 more biases. From fake “last day sales” to stock market frenzies where everyone is buying the same thing, they unpack why human brains are wired to trust the majority and how that can cost you big. 

Get ready for witty banter, sharp digs, and stories you’ll definitely relate to, as we break down:

Herding Bias: Why we feel safer copying the crowd and how that can backfire in investing and spending.
Anchoring Bias: How the first number we see, be it a stock price or a sale tag, messes with our judgment.
Overconfidence Bias: Why thinking you’re “too smart to fail” can actually cost you more.

Stick till the end for practical, easy-to-use tools to spot these biases before they mess with your money moves.

In this fun, fast-paced episode of Moneywise, Virat (the Millennial) and Rachita (the Gen Z) take you through three big psychological biases that mess with how we make financial choices. Expect witty banter, relatable stories, and a few savage generational digs; all with one goal: to help you spot how your brain can trip you up.

Whether you panic-sell like a Millennial or meme your way through fear like a Gen Z’er, the truth is: your brain is the real saboteur.

Here’s what’s inside:
 • Recency Bias: Why yesterday’s market dip feels like today’s disaster.
 • Confirmation Bias: How we only see what agrees with us (even when it’s wrong).
 • Loss Aversion: Why losing ₹100 stings more than finding ₹100 excites.

👉 Stick till the end for simple, practical tools to catch these biases before they hijack your money moves.

💬 Comment with the bias you’ve caught yourself doing this week—don’t worry, we’ve all been there.

In the Moneywise Podcast series, two generations come together for a heart-to-heart on financial planning and the real challenges behind it. Whether you’re just starting out or already seasoned, this series will help you become #Moneywise through jargon-free conversations rooted in lived experiences. Two voices, two perspectives, one goal.

The podcast is hosted by Rachita Dabre, bringing the Gen Z lens, and Virat Sharma, adding the Millennial viewpoint shaped by real-world experience. Both part of the Bandhan Mutual Fund content team, they are passionate about helping people make smarter investment choices.

Each episode uncovers untold truths about financial planning, budgeting, and investing. Sometimes they clash, sometimes they find common ground, but always with honesty. Tune in every Friday to find out just how similar (or different) their journeys really are.

Don’t forget to subscribe!

He shares simple strategies, key triggers for rebalancing, and practical guidance to help you manage risk over time.

Tune in to understand why portfolio rebalancing is not about chasing returns, but about staying consistent and in control.

Mutual fund investments are subject to market risks. Read all scheme related documents carefully.

He also shares how investors can think about equity, debt, international, and even factor-based exposures within an index-only approach.

Tune in for a balanced, practical conversation on passive investing and where it may fit into your journey.

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.

In this episode of the Moneywise Podcast, Mehul Shah, Financial Advisor and Designated Partner at RIQR LLP, helps demystify index funds. With over 20 years of experience, he explains how these funds work, why they’re gaining popularity, and who they’re suited for.

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.

He explores the dangers of emotional investing, the importance of asset allocation, and why staying invested for the long term matters more than timing the market.

Learn how disciplined investing, early planning, and regular reviews can help you build a financially secure future for your child.

Learn about the common mistakes investors make during emotional decision-making, discover key habits for wealth creation, and understand how financial advisors play a vital role in guiding clients through market highs and lows.

If you’ve ever wondered how your behaviour could shape your wealth, this episode is a must-watch!

Rajendra Bhatia is the MD and chief wealth strategist at Arthashastra Investments Pvt Ltd, a boutique wealth management firm with over two decades of experience. In this episode of The Moneywise Podcast,  he draws parallels between one of India's greatest passions - cricket -and financial independence. He also shows us how to strategize towards a better financial future. 

Mr. Manish Gunwani heads the Equity Fund Management team for Bandhan AMC Limited. He has over 25 years of rich experience, covering the entire gamut of equity research as well as fund management. In this episode of The Moneywise Podcast, he explains the concept of small caps and highlights the relevance of investing in this segment.

Amol Joshi is founder of PlanRupee Investment Services, which helps investors with wealth management products like mutual funds, banking, insurance, equity broking etc. Amol has over two decades of experience in managing portfolios of investors and is often quoted widely across digital media.  

In this episode of The Moneywise Podcast, Amol helps us understand the importance of retirement planning, the need for investors to start planning early and the role of mutual funds in the journey of financially securing their future.

Kanika Kapur, Founder of Spin Wealth, has over a decade’s experience in the investment industry and is passionate about empowering women financially by helping them take control of their journey towards financial freedom.

In this episode of The Moneywise Podcast, Kanika sketches the timeless tale of the Hare and the Tortoise, highlighting how investors can plan their investment journey and work towards accomplishing their goals, comparable to the victorious turtle, who was focused and did not take a break.

Vinayak Sapre is a financial coach and speaker on a mission to spread financial literacy to 10 million fellow Indians. His book Dohanomics is a unique, unconventional take on finance that draws influence from poets like Kabir and Rahim to share financial wisdom.  Vinayak has trained close to 3000 MFDS across the country.

In this episode of The Moneywise Podcast, Vinayak talks about the successful investing habits and other values that investors must cultivate if they want to achieve success in their journey towards wealth creation.  

Sachin Relekar, Senior Fund Manager – Equity at Bandhan AMC Ltd., has over two decades of rich experience in the industry. After several years of managing funds that span the full spectrum of market caps, he now focuses on quality companies that are likely to generate superior returns over the long term.

In this episode of The Moneywise Podcast, Sachin helps us understand the concept of Balanced Advantage Funds, the benefits of investing and how the dynamic asset allocation strategy could help investors tide over market volatility while leveraging opportunities in the market. 

Hinal Kuvadia is a Co-Founder and Principal Financial Planner at InvestorKart. She is a  Chartered Accountant(CA) and also a Certified Financial Planner (CFP). With over 13 years of experience as a Financial Planner, she regularly writes on personal finances for  the Hindustan Times & the Mint. She is passionate about helping people deal with their personal finances and achieving financial freedom at an early age.

In this episode of The Moneywise Podcast, Hinal highlights how investors can plan their financial journey and avoid common pitfalls while achieving desired outcomes. 

How do financial services benefit an investor? We are joined by Sumit Agrawal, Senior Fund Manager with Bandhan AMC, on The Moneywise Podcast. He has a very strong technical background in equity research, fundamental analysis, business valuation and portfolio management. In this podcast episode, Sumit helps us understand the financial services sector, its role in economic growth and how investors can benefit from the vast investment opportunities provided by this sector. 

Khyati Mashru Vasani is the Founder and Chief Financial Coach at Plantrich and VamaPlantrich LLP. She has a passion for discovering the financial DNA of individuals and helping people achieve their financial goals. She won the award for “Young Innovator in Finance” from the International Women Leaders Forum for three consecutive years.

In this episode of The Moneywise Podcast, Khyati helps us understand the importance of discipline in investing and all financial matters. She also shares practical aspects that could help investors become more disciplined in all matters related to finance and investing.  

In this podcast, we’re joined by Shifali Satsangee, founder and CEO of Funds Ve’daa, an award-winning financial advisory firm from Agra with a footprint across geographies. In this episode of The Moneywise Podcast, Shifali explains how women can take charge of their investment journey, set goals and create wealth. Moreover, she busts popular investment myths that dissuade potential investors. Listen to this interesting episode as Shifali highlights how people can realize their investment goals and become ‘financially conscious’.

Kesha Shah, Co-founder of Tyche Financial Planners, is a certified financial planner from Mumbai with several years of experience, giving financial advice to diverse audiences on various platforms like FM radio, Facebook Live and in newspaper columns.

In The Moneywise Podcast, Kesha talks about her journey as a woman investor, the lessons she learnt along the way and the role women play in households when it comes to investments. 

In this episode of the Moneywise Podcast, Sirshendu Basu, Product Head, emphasizes the importance of diversifying beyond your geography and creating a USD asset to meet potential USD expenses.

Daylynn Pinto, Senior Fund Manager – Equity with IDFC Asset Management, highlights ELSS’ as tax benefit and the potential to create wealth over the long term. In this podcast, Daylynn explains why ELSS is a good option for investors, the need to invest and the reason it is a popular tax-saving instrument.

Our guest today is Dr. Amit Modgil, a physician and cardiologist with Suman Hospital in Ludhiana. Dr Modgil has nearly 30 years of experience, with specializations in internal medicine, cardiology, diabetes, and thyroid disorders. He has been a prudent investor and has a keen interest in the intersection of finance and health. Further, he has employed his expertise in examining the factors that determine the wellness of these two aspects of life (that are often intertwined!) In this podcast, Dr. Modgil shares his insights on how we can leverage best practices from these two aspects – both personal as well as financial.

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

Sachin Relekar, Senior Fund Manager – Equity at IDFC AMC, is a finance expert with over 20 years of experience. He has been managing funds across the market cap spectrum and focuses on quality companies that can generate superior long-term returns. He is a CFA and also has a Masters in Management Studies from Jamnalal Bajaj Institute of Management Studies.

In this episode of The Moneywise Podcast, Sachin explains why Flexi cap funds could be an effective investment option and why investors should be paying attention to this category. 

Bharat Bagla, Director of Bees Network, has over two decades of experience in the world of finance. He feels proud to be a ‘chief dreamer’. Bharat believes savings are extremely important, and that going from a saver to an investor opens up a whole new world for the average investor. 

In this episode of The Moneywise Podcast, Bharat Bagla shares effective steps that can transform people from savers to investors, and their money from passive savings to dynamic investments that could help create wealth for them.

For many of us, our first experience or lesson about financial wisdom came from our parents, and usually, it was dad or papa or appa who insisted we save for our future. Welcome to the Father’s Day Special on The Moneywise Podcast, where we discuss finance from the perspective of a father! 

In this episode, Brijesh Shah, Associate Vice President, Fixed Income, IDFC Asset Management Company Ltd, and father to a daughter, shares with us how he discusses money with his children, the need to inculcate the habit of investing early, positive experiences regarding finance from an early age and the mistakes some make during their investment journey. Tune in to this fascinating conversation for timeless pearls of financial wisdom and to learn how you can talk to your family about money, savings and investment. 

Sumit Agrawal, Senior Vice President, Fund Management Team (Equity) at IDFC Asset Management, has over a decade’s experience in the world of finance. Sumit is passionate about wealth creation and believes that sound financial advice will greatly benefit investors to achieve their financial goals. 
In this episode of The Moneywise Podcast, Sumit explains the meaning of large-cap funds and the several advantages of this category to the investors. Also, he conveys to the listeners that if they keep investing when the market is in red, they will enjoy it when it turns green!

Brijesh Dalmia is a certified financial planner with over 3 decades of experience. He is the founder of Dalmia Wealth Pvt. Ltd, B2B digital platform Masterstroke and the Brijesh Dalmia Leadership Company.

In this episode of The Moneywise Podcast, Brijesh talks about an important approach every investor needs to pay attention to - Portfolio Diversification. He explains the concept of diversification, dynamics of the main asset classes and the need for diversification to meet financial goals.

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

Welcome to the Women’s Day special on The Moneywise Podcast. Our guest today is Jainy Shah, founder of Primestar Investments and a well-known financial advisor from the financial capital of India.

Jainy  started working in 2004 in her family’s stockbroking business, looking after the treasury. By investing her own money, she played a dual role – she served as an investment manager and also her own client. Talk about skin in the game!

Over the years, Jainy has won several accolades to her name, including over 10 awards from top Mutual Fund companies. She was also nominated by CNBC Tv18 for the Best Performing Individual Financial Advisor - Women (West) award. She has appeared on prominent business news channels like ET NOW and FBLive, sharing her expert opinion on investments and mutual funds.

In this episode of The Moneywise Podcast, Jainy Shah explains how women can manage their own money, the various reasons many Indian women hesitate when it comes to managing money, and shares tips on how they can overcome their doubts to participate in managing finances. 

B Padmanaban, Director of Fortune Investments, is a regular contributor on finance subject on the SUN TV network and is also a featured expert in Naanayam Vikatan, a Tamil personal finance magazine run by the Vikatan group. With a masters in physics, over a decade’s experience in the E-publishing industry, and another decade in the financial advisory to over 1000 clients, Padmanaban brings impressive, wide-ranging expertise and analyses to his study of financial markets and trends, helping his audience make smart, intuitive investment decisions.

In this fascinating and highly informative episode of The Moneywise Podcast, B Padmanaban explains how we can make the most of our financial resources, how our emotions can sometimes lead us astray in decision making, why equity funds may be the reliable option for creating wealth, and how an average investor truly can achieve his/her long-term financial goals.

Daylynn Pinto, Senior Fund Manager - Equity at IDFC Asset Management, is a believer in the benefits of value investing.

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

In this episode of the Moneywise Podcast, Mr. Sirshendu Basu, Product Head of IDFC Asset Management Company Limited, demystifies financial concepts like market capitalization and shares the best-learned wisdom for an investor looking to invest in the market.

Which sector will perform well this year? What effective strategies can you, as an investor, adopt to optimize your portfolio?

Mr. Sirshendu Basu answers these and more such questions in an informative episode of the Moneywise Podcast.

In the second episode of our special two-part series on Moneywise, Vishal Kapoor, CEO of IDFC Asset Management Company Limited, advises investors on how they can successfully navigate the volatility that poses risks to their investments, and the importance of patience for an investor. He also explains why he is optimistic about India as an investment market, and how individual Indian investors can invest in foreign stocks while ensuring security for their investment. 

In the first of this special two-part series on Moneywise, Vishal Kapoor explains the benefits of investment, the advantages of starting early, the risks that investors face, and the most common mistakes we are prone to making as investors.

He says, “The secret to creating wealth - for an average investor like you and me - has 3 elements:

1.            Asset Allocation
2.            Managing Emotional & Financial Stress
3.            The Power of Compounding”

In this episode of Moneywise, Mr. Parija explains how a Systematic Investment Plan or SIP helps you invest small amounts, ensures discipline (in your financial planning), and uses the formidable power of compounding to create significant outcomes for your investment.

The podcast also addresses common yet important topics like the ideal tenure of a SIP, how SIPs compare to other investment options, the mindset that will help you create wealth in the long term, the importance of getting started on investment, etc.

Disclaimer:

MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS, READ ALL SCHEME-RELATED DOCUMENTS CAREFULLY. 

The Disclosures of opinions/in house views/strategy incorporated herein is provided solely to enhance the transparency about the investment strategy/theme of the Scheme and should not be treated as endorsement of the views/opinions or as an investment advice. This document should not be construed as a research report or a recommendation to buy or sell any security. This document has been prepared on the basis of the information, which is already available in publicly accessible media or developed through analysis of IDFC Mutual Fund. The information/views/opinions provided is for informative purposes only and may have ceased to be current by the time it may reach the recipient, which should be taken into account before interpreting this document. The recipient should note and understand that the information provided above may not contain all the material aspects relevant for making an investment decision and the stocks may or may not continue to form part of the scheme’s portfolio in the future. The decision of the Investment Manager may not always be profitable; as such decisions are based on the prevailing market conditions and the understanding of the Investment Manager. Actual market movements may vary from the anticipated trends. This information is subject to change without any prior notice. The Company reserves the right to make modifications and alterations to this statement as may be required from time to time. Neither IDFC Mutual Fund / IDFC AMC Trustee Co. Ltd./ IDFC Asset Management Co. Ltd nor IDFC, its Directors or representatives shall be liable for any damages whether direct or indirect, incidental, punitive special, or consequential including lost revenue or lost profits that may arise from or in connection with the use of the information. The sectors/stocks mentioned should not be construed as an investment advice from IDFC Mutual Fund and IDFC Mutual Fund may or may not have any future position in these sectors/stocks.