Podcasts

Join me as I delve into a wide array of topics each week.
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Let’s Talk Money is your guide to financial stability and freedom. Join me as I delve into a wide array of topics each week. From tackling debt to making friends with the stock market, from gold to mutual funds, I am here to improve your financial wellness. But that’s not all! I will answer your money questions. Send them in at mailme@monikahalan.com

From Simply Saving to Intelligent Investing

On 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 get out of a crippling debt cycle, and whether you should opt for an education loan or let your parents cover your expenses.

Making Smart Homeownership Decisions

On 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 retirement corpus and build towards it, and investing in India as an NRI.

The ABC of Health Insurance

On 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 medical emergencies.
Monika also answers questions about how to build financial fitness as a gig worker, how to manage joint expenses with your partner when you move in together, and how to plan your expenses when raising children.On 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 medical emergencies.
Monika also answers questions about how to build financial fitness as a gig worker, how to manage joint expenses with your partner when you move in together, and how to plan your expenses when raising children.

Should 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 is left untouched. Monika also answers your questions about strategies for lump sum investments versus SIPs, along with considerations for emergency fund placement. Join us for invaluable insights into navigating the complexities of personal finance.

How 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 forward to future years.

For the disciplined investor seeking to refine their portfolio, Monika shares strategies for optimizing asset allocation and diversification. Monika also provides a roadmap for breaking free from the shackles of debt. From seasoned investors refining their strategies to individuals grappling with debt challenges, this episode offers practical guidance and expert insights to help listeners overcome financial obstacles and build a secure financial future.

Is 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 to each situation. Tune in to gain insights into building a solid financial foundation and navigating the complexities of personal finance with clarity and confidence.

Should 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 prudent choices between home loans and SIPs, and navigating complex investment strategies like portfolio hedging and macroeconomic investing.

How 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 of mutual fund investments in this episode. We explore the debate between small-cap index funds and actively managed funds, shedding light on factors such as cost, returns, and portfolio performance. Delve into the differences between regular and direct mutual fund plans, uncovering the impact of cost differentials on long-term returns. We also unravel the concept of systematic withdrawal plans (SWP), discussing their suitability for different life stages.

When 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 of your retirement portfolio, she demystifies the PPF and empowers you to make informed investment decisions. Whether you're contemplating surrendering existing endowment policies for a PPF account or considering opening one later in life, Monika provides practical guidance on maximising the benefits of PPF for long-term financial planning.

What’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 strategies for securing your financial future with confidence.

How 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 single mother seeking advice on securing your child's future, or bridging the financial generation gap with your parents, Monika provides guidance tailored to each woman's unique situation, offering practical solutions and empowering them to navigate their financial journeys with confidence. Tune in to gain valuable insights and inspiration for managing your finances effectively.

What 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 planning at age 50 to optimising investments post-retirement. Learn how to leverage financial instruments effectively to secure your financial future with confidence.

Is 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 Monika addresses pressing financial queries from Indians around the globe.

How 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.

How 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 soon as possible.

How 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 and explains how to use a laddering approach when planning for retirement.

Budget 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 weaves about India's economic direction, along with the policy signals embedded in the budget speech.

How 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 on how fast you want to grow your money and how much risk you are prepared to take. Tune into an empowering lesson towards unlocking wealth through informed financial choices.

What’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 of an overflowing portfolio. Monika navigates these queries, offering guidance for long-term investors, DIY enthusiasts, and those juggling numerous funds.

How 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 all your woes and worries about retirement planning.

What’s The Financial Forecast for 2024? Monika Halan in conversation with Swarup Mohanty

Welcome 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 personal investment style. Tune in for your guide to a prosperous 2024!

Which 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.

How 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 of fostering financial intelligence from a young age.

How 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.

How 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.

How 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 she answers your questions about how to navigate conversations about money with your partner, contemplating joint accounts, and how to contribute to household finances!

How 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.

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