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26: How to avoid behavioural biases while investing
26: How to avoid behavioural biases while investing
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EPISODE 49
12 Nov 2020

From Rs 7,000 crore to Rs 2 lakh crore - that is how the asset base of exchange-traded funds in India has grown over the last 5 years. ETFs are a kind of mutual fund, but with one ... Read more

From Rs 7,000 crore to Rs 2 lakh crore - that is how the asset base of exchange-traded funds in India has grown over the last 5 years. ETFs are a kind of mutual fund, but with one big difference - as the name suggests, they are listed on exchanges and are traded like stocks. They are passive funds, i.e. they mimic an index, and a fund manager doesn't actively choose the constituent stocks. Although ETFs are traditionally cheaper than their non-listed counterparts, retail participation in this category remains subdued, although there is growing interest. Since ETFs are traded throughout the day, their price fluctuates too, unlike other MFs. This is what makes ETFs appropriate for a particular demographic. So are ETFs the right product for you? And if so, then what are the factors you need to keep in mind before you start investing? Listen to this episode of Money with Monika to know more. Read more

EPISODE 48
05 Nov 2020

Warren Buffett, the famous investor, once called financial markets 'manic depressive'. He was referring to the swings periodically seen on the bourses. Buffett believes investors s ... Read more

Warren Buffett, the famous investor, once called financial markets 'manic depressive'. He was referring to the swings periodically seen on the bourses. Buffett believes investors shouldn't be influenced by these movements, thus maintaining a perpetually long-term vision. But is this the only way to invest? Those who differ with this 'value' style, subscribe to 'growth' investing. Under this strategy, investors pick fast-growing stocks, even if the price is on the higher side. The markets provide another option - GARP (growth at reasonable price) - for those seeking a compromise between the two paths. However, picking a style becomes a bit more challenging when investing via mutual funds. Tune in to know more. Read more

EPISODE 47
29 Oct 2020

Hybrid mutual funds have seen outflows in the recent past but that doesn't necessarily mean that you should keep your distance from this product. Hybrid funds are a tool with which ... Read more

Hybrid mutual funds have seen outflows in the recent past but that doesn't necessarily mean that you should keep your distance from this product. Hybrid funds are a tool with which you can invest across asset classes like debt, equity and gold, while maintaining the asset allocation of your choice. Apart from some tax advantages, these have the added benefit of a fund manager ensuring that your debt-equity ratio is maintained without your active involvement. So, with various types of such funds in the market, which should you choose - Aggressive, Balanced, or Conservative? Listen to this episode to understand hybrid funds, and how to invest in them. Read more

EPISODE 46
22 Oct 2020

There's a rally in the midcap space in the markets, especially after Sebi's news rules regarding multi-cap funds. But, should you capitalize on this development? Should recent, hig ... Read more

There's a rally in the midcap space in the markets, especially after Sebi's news rules regarding multi-cap funds. But, should you capitalize on this development? Should recent, higher returns dictate your plunge into a midcap investment, or should it be a more strategic decision with a long-term vision? And finally, should you pick a midcap fund to expand your portfolio, or are individual stocks the way to go? Read more

EPISODE 45
15 Oct 2020

Investor confidence in debt funds has been shaken in recent years due to episodes in the recent past. While regulators have now jumped into action, did investors enter a product cl ... Read more

Investor confidence in debt funds has been shaken in recent years due to episodes in the recent past. While regulators have now jumped into action, did investors enter a product class without understanding it in detail? Do retail investors suffer more as compared to their institutional counterparts when debt funds crash? And, how should you proceed with investing in a financial product which can bolster your portfolio? Tune in and find out Read more

EPISODE 44
08 Oct 2020

Even as the struggle against the Covid-19 pandemic continues, one of the biggest monetary lessons from the global ordeal has been to desist from making knee-jerk reactions when it ... Read more

Even as the struggle against the Covid-19 pandemic continues, one of the biggest monetary lessons from the global ordeal has been to desist from making knee-jerk reactions when it comes to investments and maintaining healthy asset allocation. In this episode of Money With Monika, personal finance expert Monika Halan explains how and when to check the performance of your fund. Read more

EPISODE 43
01 Oct 2020

The ongoing Covid-19 pandemic has rudely reinforced the need for a medical cover, but buying a policy remains riddled with a confusing marketplace with plenty of tricks and traps. ... Read more

The ongoing Covid-19 pandemic has rudely reinforced the need for a medical cover, but buying a policy remains riddled with a confusing marketplace with plenty of tricks and traps. In this special episode of Money With Monika, personal finance expert Monika Halan discusses India's best health insurance plans with Mint's in-house expert Deepti Bhaskaran. The discussion is based on the 8th edition of the Mint SecureNow Mediclaim Ratings. Monika Halan is a consulting editor, Mint, and author of the book 'Let's Talk Money'. Read more

EPISODE 42
24 Sep 2020

Smart money managers have a key rule- never bundle your life insurance with your investments. Bundled insurance plans neither give you a good life cover nor a good return and in In ... Read more

Smart money managers have a key rule- never bundle your life insurance with your investments. Bundled insurance plans neither give you a good life cover nor a good return and in India, these are built like traps. In this episode of the special series of Money with Monika, personal finance expert Monika Halan explains why one should stop buying bundled life insurance plans in India and how it destroys one’s savings. Monika Halan is a consulting editor, Mint, and author of the book, Let's Talk Money. Tune in for more. Read more

EPISODE 41
17 Sep 2020

The Covid-19 pandemic has forced people to ask some tough questions about their money life. In this episode of the special series of Money with Monika, personal finance expert Moni ... Read more

The Covid-19 pandemic has forced people to ask some tough questions about their money life. In this episode of the special series of Money with Monika, personal finance expert Monika Halan talks about 6 Money Ratios which give a broad direction in which one should move.   Read more

EPISODE 40
09 Sep 2020

As firms deal with declining revenues amid COVID-19 pandemic, employees at the senior level after facing salary cuts are now in line for layoffs. In this episode of Money with Moni ... Read more

As firms deal with declining revenues amid COVID-19 pandemic, employees at the senior level after facing salary cuts are now in line for layoffs. In this episode of Money with Monika, personal finance expert Monika Halan explains why employees in their 50s are at serious risk of losing their job and their career at this moment. So, what can they do about it?  Read more

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