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Bandhan Mutual Fund is focused on helping savers become investors and create wealth. The organization has always striven to empower everyday investors, as well as India’s financial ecosystem, through initiatives that simplify financial knowledge, helping create wealth and value through investments. Continuing the tradition of initiatives and campaigns that motivate, guide, and educate Indians about financial wisdom and wealth creation, we bring you MoneyWise - a podcast series that connects ...
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In this captivating episode of the Moneywise Podcast, our host, Seetal Iyer, is joined by Sneha Jain, Founder of WealthTrust Capital Services. Together, they delve into the world of fables to extract timeless investment lessons, focusing on the importance of strategic planning and disciplined investing.…
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In this episode of the Moneywise Podcast, our host, Seetal Iyer, is joined by Iqbal Singh, Founder and MD of Innovative Financial Management (IFM). From navigating India's growing financial landscape to practical advice on avoiding investment blunders, this conversation is a must-listen for anyone looking to make informed financial decisions.…
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Join us in this enlightening episode of The Moneywise Podcast as Kalpesh Ashar, an experienced Certified Financial Planner and SEBI-registered Investment Advisor, unravels the complexities of mutual funds. With the industry's remarkable growth, Kalpesh provides clarity on how to navigate through the maze of information and misinformation. Gain insi…
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"Life certainly mirrors what a test match is. We all get two innings in which we need to bat. In investing parlance, that's pre-retirement and post-retirement innings. Just like test matches, your second innings will be dependent on how well you and your team have played in the first innings, and how well you've been able to handle your opposition …
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“The DNA of investing in small caps is quite different from large caps. If someone can execute great research, great risk management, I think the potential returns on offer are going to be attractive. It may need patience and tolerance for volatility.” Mr. Manish Gunwani heads the Equity Fund Management team for Bandhan AMC Limited. He has over 25 …
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“Have you ever heard of a retirement loan or loan for your old age? There isn’t one. In your old age, you’re not actively earning money. You’ll spend 20 to 30 years in this phase of life but there is no loan for it. You’ll be able to pursue all your interests and contribute to society and your near-and-dear ones only if your own financial independe…
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“Like in the fable of the Hare and the Tortoise, investors have to be focused on their long-term goal and move persistently towards that goal. In long-term investing, we should not get distracted from our long-term goal and must not give in to temptations like short-term market movements.” Kanika Kapur, Founder of Spin Wealth, has over a decade’s e…
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“You need to start early. It is 5% brain and 95% consistency. There's a doha by Kabir about this: Dheere dheere re mana, dheere sab kuch hoye; maali seenche sau ghada, rtu aaye phal hoye. So, you need to have patience. The ingredients of creating wealth - serious wealth - are patience and discipline. Only then will you derive the benefits of compou…
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‘The financial market is about people; therefore, there is sentiment around it – at times, very positive; at times, very depressed. The idea behind balanced advantage funds is, “How do we cushion the journey of an investor over a long period of time wherein the volatility impact can be smoothened?” That is important, therefore this dynamic asset al…
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“One important thing is to instill a habit of saving from a very early age, because most kids’ early interactions with money usually involve only spending. While most women are definitely good at saving...I would like to tell them: It’s time to start your investment journey. Goal setting gives clarity and purpose on what you want to do with your mo…
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“Financial services are a wide spectrum of investment opportunities. The segment has broadened in the last five to ten years. It’s a wide sector and growing, not just restricted to banks. Fintech has also grown at a rapid pace and is enabling people to take advantage of the technology platforms etc. And all this is only going to grow.” How do finan…
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“Discipline is underrated when it comes to one’s financial journey. I call it the most important ingredient for your financial success. If you don’t do it (take care of your finances) in a disciplined manner regularly, you’re not going to able to see any considerable results. And then people come back and say, this is only for people who already ha…
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“It starts by being financially conscious, which would mean being cognizant of one’s own finances first, be it earnings, savings, spending or allocating, and investing. Where are you financially positioned at the current juncture? And where do you realistically want to be, say, 10-15 years from now? Traditionally, finances were...handled by male me…
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“For me, it started with taking printouts of investment reports (for my dad) and in that process, I started understanding those reports, and began doing my own research on the same. For us, investing has been simple and goal-based. The goal and timeline of every investment is decided first. Women are great learners! We are great housemakers, we’re …
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“Geographical diversification simply means investing in international markets, and that helps improve the risk as well as the return possibilities of an overall portfolio. In India, we are exposed to one country, one currency opportunities and risks, per se. When we spread our investments across different countries, we tend to benefit from the glob…
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“An ELSS is a product that provides a diversified equity exposure, with a professional asset management team that is there to assess risks and help you with an appropriate risk/reward strategy. The larger opportunity in ELSS that people don’t focus on, is long-term wealth creation. ELSS offers the best of both worlds (tax benefit and potential weal…
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“When we search for financial advice on the internet, we tend to search within the bounds of our own understanding of the subject. That will obviously present several limitations. We will find 1000 pages in favor of our limited opinion, and 1000 pages that argue against that very same opinion. So, the confusion never really ends. And when new knowl…
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“For personal health, we advocate the benefits of keeping a healthy lifestyle, which includes being physically fit and eating a healthy diet that is a good balance of all nutrients. Likewise, I’m a proponent of keeping a balance in one’s investment journey. By balance, I imply that you have to be disciplined, you have to be diversified, patient, an…
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Instead of looking at the market on a day-to-day basis, trying to invest at the lowest point and then taking out your money at the highest point, which is not always possible. If that were so easy, there would have been a supercomputer or a software to tell you when to enter and when to exit. It is impossible to time the market. The only way you ca…
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“Target Maturity funds help us plan our finances better. A target maturity fund will allow investors a simple and easy way to manage savings – (you) can invest in govt and public sector debt funds, bonds with a fixed maturity, and in sachet size. If I invest in such a fund, I can reduce my taxes by getting indexation benefits (for an investment abo…
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“A Flexi cap fund is not confined to certain percentages in certain market cap buckets. It can take advantage of opportunities available across the market spectrum. As you know, market prices are dynamic and companies do appreciate or depreciate in terms of value. In such cases, the market cap categorization could also change. A fund manager can co…
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For youngsters particularly, when they start earning, the first thing to start is a financial plan. That way, their later years will become much easier. Instead of years or duration, differentiate your goals into short-term goals and long-term goals. If you don’t take a risk at the right age, you will regret later!” Chokkalingam Palaniappan., Direc…
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Money Mantras for Women – A Durga Puja Special on The Moneywise Podcast “Women are often considered better at saving money and planning household finance. Women understand inflation the best because they’re the first ones to be hit by inflation and price rise. I believe, with a sound plan, women can march confidently towards their personal or profe…
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“...the lack of patience in investment actually never makes money. The most important variable is the time that you give to investments. But what happens (is)...we actually focus on getting the maximum returns, and in that process, we lose our patience. If you want to create a sizeable amount of wealth, what you need to first give is loads of time,…
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“Mutual funds give you diversification. You have equity, debt, gold, real estate, or hybrid (a mix of everything else), and you have multiple options. You may invest via lump sum as a one-time investment, or you can do a SIP, a systematic transfer plan, or a systematic withdrawal plan... One thing I would want investors to start is to put money int…
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“When we're in a storm, do we jump out of the boat to stay safe? We're much safer holding on tight inside the boat. When the storm goes away, the boat will move forward safely once again. Similarly, whenever there is any volatility in the market, investors should stay calm. When the market goes up, it will come back down as well. If it drops, it wi…
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Gone are the days when simple bank FDRs used to give high returns. The inflation these days is at levels that are catapulting our expenses into a different orbit every five years! The options to save have (also) changed and evolved. Almost every person is a saver but not every person is an investor. Putting your saving into efficiency is what conve…
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“What I and my wife started is - involve our daughter in all kinds of small planning. Let’s say, planning a vacation. We would involve her in packing bags, and emergency requirements, all within a budget. Not only did she get a sense of participation, but over a period of time, she started aligning herself to more budget timelines. These are the ki…
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(An investor’s) the first allocation should be towards large-cap investing. The top 100 companies in the country can be termed as a large-cap segment. Generally, when you are in a down-cycle, or the overall market is weak due to weak macros, geopolitical tensions, or some liquidity crisis, most of the money tends to stick with the top 100 companies…
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“You should diversify your investment so that you are protected in case of any adverse circumstances, any adverse performance of those specific schemes in which you have invested. You reduce the risk of something going wrong...Mutual funds are underrated as far as diversification strategy is concerned because (when) you invest in one mutual fund sc…
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“AI has the power to personalize information. At any instance where you are making a wrong investment decision, maybe because of the emotions that (can) overpower your decision, AI will come into effect and tell you - ‘hey, this is not the right time for this decision.’ The ability to reach out to each individual, and provide the most personalized …
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“Women, I would say, are already very good managers inherently…I feel women must now understand that it is time to add one more super skill - being financially sound. Women are also generally very good, disciplined investors. They will eventually do good for themselves and their families if they take an active part in managing their own money.” Wel…
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Money is a resource. That’s how I look at it. Whatever we make from our job/profession is a resource. But this resource may not be enough (for) future goals like your child’s education or your retirement goals. This is the reason we need to deploy our money properly. Making money is one thing, but keeping money and growing wealth is not easy..” B P…
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“Companies go through cycles, sectors go through cycles, markets go through cycles. It’s important for us to understand that the reason we call it a cycle is because things go up and things come down. Identifying where we are in the cycle, and how to approach the cycle, is the answer to what kind of allocation one should have for growth or value, a…
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My one advice to every young person would be "Start investing as early as possible to understand the power of compounding". 99% of the people on earth can’t fathom the true power of compounding. Everyone has heard and knows the formula but few people truly understand the depth of this calculation. No wonder Albert Einstein says, "Compound Interest …
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“We found that large-cap funds have given a long-term average return of 13.5% between 2010 and 2021, mid-cap…around 19%, and small-cap…around 17.5%. However, different market caps perform differently in each period…and every year, the winner keeps changing.” In this episode of the Moneywise Podcast, Mr. Sirshendu Basu, Product Head of IDFC Asset Ma…
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“Most often, it’s our behavior that can go bad rather than the investment itself. If we allow fear to dominate and we sell out every time the market falls, our long-term goal - the reason we were investing in the first place - will never be achieved.” In the second episode of our special two-part series on Moneywise, Vishal Kapoor, CEO of IDFC Asse…
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“Investment is all about having financial products - whether growth-oriented or stability-oriented - and allowing them to power your goals while also providing some cushioning against market fluctuations.” Vishal Kapoor, CEO of IDFC Asset Management Company Limited, wants every Indian to get wise about investing, secure their financial future, and …
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Gaurab Parija, Head – Sales and Marketing at IDFC Asset Management Company Limited, is a passionate believer in the power of SIPs to create wealth for anyone. 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” I…
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