संवाद # 116: How to select Mutual Funds & how not to | Monika Halan's masterclass on Money
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- Опубліковано 9 лип 2024
- #sensex #nifty #mutualfunds
Monika 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 MA in Journalism Studies from University of Wales. A Yale World Fellow (2011), Halan is based in New Delhi.
Her book 'Let's Talk Money: You've Worked Hard for It, Now Make It Work for You' is a bestseller. Order your copy here: www.amazon.in/Lets-Talk-Money....
Her second book ‘Let's Talk Mutual Funds: A Systematic, Smart Way to Make Them Work for You’ is out. Order your copy here: www.amazon.in/Lets-Talk-Mutua...
0:00 Intro
0:17 Why Mutual Funds
4:00 Why regulation matters
6:05 SEBI's big reforms for investors
11:27 Advice for youth in their 20s
14:47 Get inspired by this unluckiest investor
18:02 Get ready for 2nd round of high growth
20:14 How not to select a Mutual Fund
25:23 SIP is better but...
27:03 How to select mutual funds
31:32 SEBI has done a great job
33:53 How industry lobbies for regulations
34:36 Adani-Hindenburg & Scam 1992
36:05 Harshad Mehta's scam explained
38:32 Why real estate investments are clunky
40:44 Jewellery is not GOLDen investment
41:40 Index Funds SAHI HAIN
44:18 Kitna Diversify karein
46:45 Equal rights of Husband-Wife in assets built in marriage
52:2 Biggest challenges to India Story
57:08 Middle Class wants direct tax reforms
Very sensible lady
Excellent analysis Excellent analyst. Just awesome
Watching myself, already shared in Family and Friends group , Ram Ram Arihant Bhai, Wishing you the best for future
Asking people to protect India's growth, which itself is pricing everyone out of everything. That's brutal. Also in a bubble it's easy to have strategies because all of them work.
In 10 years the market went from 16k to 80k which is 600% and nobody finds it scary. That is the scary part.
Arihant Ji, I really like the way you drive the conversation. I resonate with your thought process more than other podcasters. Maybe it's your originality and Bharatiya style.
Thank u so much for getting a very hatke podcast Arihant ji !!
The times that we live in we for sure need more of financial literacy and Monika Ma'am has explained it in such simple terms
Loved the podcast and yes I m buying and number crunching thru her book
Thanks a lot from inviting monika mam to the podcast. I have just now ordered the book😊
Yesss. मोनिका मा'म वापस आयीं। अरिहंत जी धन्यवाद मैडम जी को बुलाना के लिए।
Best podcast.... mutual funds❤❤
Mam ne to government ki achievements ko itne ache se highlight kra hai jitni government khud chi nahi kar pa rhi.
Excellent Mam! Thank you so much Sir for this session.🙏🏻
Superb podcast.... thanks to Monika Mam 🙏🏻🙏🏻
What a good speaker she is, very calm mind relaex body language.
Woman does not give up a career. The truth is that very few Indian women even want a career, they want an easy life and to be well taken care of.
Yes, just marry a rich guy or NRI then sit over their money and enjoy. I have seen many many women do that.
Very true.. for few.. but few are very responsible and does not depend on anyone too...But most of the time what you said is true.
The equal assets work b/w married couple only make sense when wife is home maker, if wife is working as well, then how the assets can be equal. Both are building assets based on their capability.
She is impressed by west who always intrusted equity n equal.
They think women is a unit of labor.
Then what happened with West and chaina, log nhi hai kam k liye aur family tho bhool hi jawo, drug ,sex,pleasure it all about me ,my,myself. 54 years women is waiting for date with their 3 child which is from 4 different husband
Good to see Monika mam back
I was searching for such podcast thanks 🙏
Just superb , Monika Ji is very articulate
Good discussion
Excellent topic taken n explained in the most simplified way.
Pls suggest strategy for lumpsum investment.
Good interview
Logical lady 😊😊😊
I would expect her to provide excel formats where we can ourselves put values and see what’s best for investment, as per her guidance, else it will remain a bookish theory
She speaks very sweet.
Excellent mam very good Bata
Beauty with brain ❤
Bhaiji you should've asked questions about crypto while you were at it. It would've been great getting some insight from a knowledgeable and experienced source.
Good about mutual fund
Watching this when sensex is at 80000
❤
Basic Funda -if two became one with love n mutual trust,if 3rd party interfere even as court ,it will destroy.
Fragmented mandate..is what we got now...Indian growth story has hit a big roadblock now..
There is no 100%commission in insurance it's up to 35 % max . 1st year
IRDA koi nuisance nahi Kar rahi
Tu wohi faltu agent hai na Jo logo ko jhoot bolkar loot raha hai? Tum sab k sab aise hi hote ho..aaj investors kaafi educated ho chuke hain...tum logo se toh jitna door rahe utna behtar.
Hum log intelligent tou hai chahey zyada nahi😊
Madam ji has good insight on economics. But when she cites west on gender equality she misses the point that family institution there is collapsing fast.
She has Conflict of Interest as she was working with SEBI, you should not ask this Adani case. Also, she is saying, Report nahi padi hai aur She is against the report. Mutual fund people are smart they hardly have Adani shares.
A slight disagreement wrt to her claims on insurance. So the insurance products can be classified into two categories namely, General and Health. Point 1: What she is saying on 100% comission is for the general insurance part. Point 2: She may have aspersions on the insurance industry and their practices fair enough, but mindsets of people investing in mutual fund and insurance is starkly different. In MF people see their investments grow, whereas in insurance be it Health or the general people will often see this as liability (not talking about the educated ones, but working middle class with little knowledge on financial products) as money flows out of their pockets. Thats why the companies seem to incentivise agents with higher commissions.
Direct tax अधिकतम 20% होना चाहिए। 0%,5%,10%,15%,20% का स्लैब होना चाहिए। भारत के औसत प्रति व्यक्ति आय का दुगुना पर इनकम टैक्स 0%.
So many surveys for women
Is it any surveys for men?
Madam also decided mens r oppressor, why women can't be a oppressor? One more thing she compares apples with orange
Can she tell what is divorce ratio in foreign and bharat?
She good in investment and she automatically assert that she is expert in other segment too.
46:45 I totally disagree, if the genders are reversed the judiciary shows its double standards.
Is this book good for person who is 55+
She is aging like fine wine
Ma'am ये बुक हिंदी में नहीं है प्लीज आपसे रिक्वेस्ट है बुक हिंदी में भी पब्लिश कीजिए please
They all bring such ideas which motivates people to invest, but no one tells what to do when market crash. Many people suffered due to sbi and adani... Thing is there is diff. Between a normal investor or a trader.. There talk is true for traders and regular investors.. Not for middle class. That's reality
It's very easy to shit on insurance agents saying they take home 100% commission from the first premium (which is not true) btw it's clients who ask them for rebates and not the other way around. Also without these insurance agents many companies like LIC or other private players would not be able grow and penetrate into lower/middle class income groups or tier 2/3 cities and villages. You can't blame the entire section for the wrongdoings of a few.
Insurance anywhere is a pure scam. It's designed in that way. IRDAI is the most corrupt of all regulatory bodies in India. It's the most non transparent to investors unlike mutual funds where the investors know everything from expense ratio to the stocks in which their money has been invested. Plus they have the option to access their money anytime. Insurance blocks your money for an entire lifetime, sits on your money, puts it in the stock market, generates huge returns and pays you an xirr of 3-4% and makes you way too poor than you were before putting your money in insurance plans.
Tax payers ko special treatment dena chahiye, incentive dena chahiye
Rightly said
Direct slab is hitting us hard..
Time to change it
Not every woman manages the home. If she's managing so well then what's the need of divorce?
Don't be a blind feminist.
I'll manage your home live there like a boss and will feed myself on your income.
In return give me 50% of all your earnings.
Deal? 😂
Yeah right, mam is biased here.
India's laws are stupid. If your grandfather has inherited any asset from his father and built on that asset, estranged grandchildren, who are estranged only due to the divorce of a son can claim grandfather's assets while he is alive, not even after death.
मोनिका जैसे ज्ञानी लोगोको म्युच्युअल फंड निवेशकोको अपनी इन्व्हेस्टमेंट मे बने रहनेपर जोर देना चाहिए. डीस्ट्रीबुटर्स को विलन बनाना बंद करे.
Distributor ko villain banane ki zarurat hi nahi hai woh villain waise bhi hain.
Who say gold bond is better than physical gold?
Rubbish
Sir, please explain your statement.
@@prasantasen8660 gold bond is nothing but the papers, n papers can b print as wish as u want, but real gold can't be fake
Because the capital appreciation is the same without the storage problem. Plus the 2.5% interest earned annually.
Bond is just a paper...
Nobody know what is the ratio of real gold vs paper bond
Example- 1 gm real gold k badle me nobody know kitne paper bond market me ghoom rhe hai