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Let's Talk Money is your guide to financial stability and freedom. Join Monika Halan, a trusted financial expert, as she delves into a wide array of topics each week. From tackling debt to making friends with the stock market, from gold to mutual funds, Monika's insights are your compass to financial wellness. But that's not all! Monika's here to answer your money questions. Send them in, and she'll help you make informed decisions. It's time to take control of your financial destiny with Mo ...
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Will Your Credit Card Unpaid Dues Cost More Now?
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In this episode, Monika discusses a recent Supreme Court judgment that impacts credit card holders, overturning a 2008 ruling by the National Consumer Disputes Redressal Commission (NCDRC) that capped interest rates on unpaid credit card dues at 30% per year. This decision now allows banks to set higher rates, arguing that credit cards, being unsec…
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Does your health insurance company pay its claims?
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In this episode, Monika explores the troubling issue of health insurance companies denying claims, a problem that has taken center stage globally and in India. A shocking incident in the U.S. on December 4, 2024, saw Brian Thompson, CEO of UnitedHealthcare, America’s largest health insurer, shot dead as he walked to an investor conference. Reports …
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In this episode, Monika delves into the RBI’s decision to maintain the repo rate at 6.5% despite market expectations of a 25 basis point cut. She explains the repo rate’s role as the interest rate at which the RBI lends to banks, influencing liquidity and inflation. The decision stems from the central bank's inflation-targeting mandate, which restr…
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In this episode, Monika examines India’s slowing GDP growth, which fell to 5.4% in the second quarter (June-September 2024), pulling the first-half growth to 6%. A sluggish industrial sector, slower urban consumption, and muted private investments are key drivers, while rural spending and services have shown resilience. To meet the RBI’s projected …
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Should you pay off your future partner’s debts?
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In this episode, Monika delves into a significant move by the Indian government and financial regulator to address the mis-selling of insurance products by banks. At a recent banking event, Finance Minister Nirmala Sitharaman highlighted the need for banks to prioritize their core business—mobilising deposits and lending. She noted that aggressive …
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In this episode, Monika explores why inflation has surged in India, hitting 6.2% in October 2024, the highest in over a year. She explains how inflation is measured using the Consumer Price Index (CPI), which tracks price changes in a basket of consumer goods and services. A consistent rise in the CPI indicates inflation, with a recent jump reflect…
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In this episode, Monika explores the potential impact of a Trump presidency on the cryptocurrency market. Following recent U.S. election results, the crypto industry celebrated as Donald Trump returns to the White House as the 47th President of the United States, prompting a sharp rise in Bitcoin and other cryptocurrency prices. Many in the industr…
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In this episode, Monika explains why Indian stock markets, after a four-year bull run, are now experiencing choppy waters. She discusses how markets sometimes grow ahead of the economy’s fundamentals, leading to short-term volatility. She highlights that while Sensex has returned a remarkable 23% per year over the last four years, long-term average…
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In this episode, Monika discusses the protests by life insurance agents against recent policy changes favoring policyholders. Insurance agents, news reports say, are upset over reduced commissions and clawbacks due to new IRDAI rules that allow investors to keep more money when surrendering policies early. Effective from October 1, 2024, these chan…
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Job loss, Direct vs Regular and Family Finances
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In this episode, Monika reflects on the Durga Puja week, sharing her joy in visiting pandals while noting the limited news that led to her changing the episode format by addressing five listener questions instead of the usual 3. Anonymous from Bengaluru, nearing retirement, faces the dilemma of paying his sisters Rs 1.2 crore for an inherited home,…
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In this episode, Monika discusses Sebi’s recent announcement of a new mutual fund category for high-net-worth investors. This new category will allow for higher-risk, potentially higher-return products, with a minimum investment of Rs 10 lakh. It aims to expand investment options without increasing risk in the broader market. Monika highlights the …
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Surrender Values, Expense Ratios and Real Estate
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In this episode, Monika discusses recent changes in life insurance policies that have resulted in improved surrender values for policyholders starting October 1, 2024. Previously, policyholders faced harsh penalties for exiting mid-term, but now they can recover more than 70% of their premiums even after the first payment, and nearly 90% after five…
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In this episode, Monika presents an intriguing blend of insights and answers to listener questions. First, she explores how several non-US countries are seeking alternatives to the dollar-based global payment system, particularly regarding cryptocurrency. She clarifies that this discussion isn't an investment recommendation but highlights its impli…
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Monika brings a new format to her podcast from this episode onwards. She will first tell you what a macro event means for you. This episode she tells you the impact of government spending on GDP growth and how that matters in your financial life. Then she will unpack a micro event. This week it is the changes in the Public Provident Fund that go li…
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Did You Know What I Found Common In Your Money Worries?
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From the challenge of starting one's financial journey to the intricacies of portfolio creation and the looming concern of retirement, Monika Halan addresses the most common money worries listeners have shared throughout the show. Tune in to learn why it's never too late to begin managing your money, the importance of diversified investments, and h…
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In this episode, Monika Halan demystifies the concept of debt in investing. Learn how familiar products like bank FDs, bonds, and PPF fit into your financial strategy, providing stability and assured returns. Monika explains the role of debt products in balancing your portfolio and offers insights into using bond funds for various financial goals. …
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Today, Monika addresses the critical issue of women and financial independence. She discusses how women have traditionally used methods like kitty parties and gold investments to secure their finances. Monika emphasises the importance of women transitioning to formal financial products like PPF and mutual funds, and provides actionable steps for wo…
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Can You Trick Your Brain To Make Better Money Decisions?
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In this episode of Let's Talk Money, Monika Halan breaks down what loss aversion is, and how it affects our financial decisions. She explains how simple nudges can help us overcome irrational behaviours and make better financial choices. Monika shares practical tips for organising finances and setting saving goals, along with examples of successful…
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In this episode, Monika dives into the key highlights and implications of India's Budget 2024. Discover how the new tax slabs and increased standard deductions will affect the middle class, the changes in capital gains taxes, and what they mean for your investments. Monika also explores the government's steps towards job creation, the regulation of…
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How Can SEBI Safeguard Investor Interests in a Dynamic Market? Monika Halan in conversation with Ashwani Bhatia
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We have a special episode for you this week! Monika Halan sits down with Ashwani Bhatia, a whole time member (WTM) of the Securities and Exchange Board of India (SEBI), to delve into the measures and strategies SEBI employs to protect investor interests in an ever-evolving market landscape. They discuss the role of SEBI in maintaining market integr…
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Today, Monika dives into the complexities of managing finances in a joint family setup. From sharing expenses and building personal assets to ensuring proper insurance and drafting a Will, she offers practical advice to help you navigate the financial dynamics of living with extended family. With real-life stories of both pitfalls and successes, Mo…
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In this episode, Monika discusses the financial steps to take after an unexpected job loss. She provides practical advice on negotiating severance packages, extending medical benefits, consolidating finances, and cutting discretionary expenses. Monika also emphasises the importance of having a financial plan ready, highlights resources for unemploy…
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What Does Your Raise Say About Your Career Prospects?
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This week, Monika delves into the best way of utilising your raise. She discusses the importance of understanding inflation-adjusted raises, evaluating your performance relative to company averages, and considering strategic job changes for better compensation. Tune in for practical advice on how to respond to your raise and make informed decisions…
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Today, Monika dives into the best strategies for handling windfall gains. Whether it's a bonus, tax refund, or inheritance, Monika explains how to balance spending, debt repayment, and investing to maximise your financial well-being and avoid common pitfalls. Discover how to make thoughtful decisions that enhance your financial future while enjoyin…
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Are You Financially Ready To Start Your Business?
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In today’s episode, Monika explores the crucial financial steps to take before transitioning from a secure job to launching your own start-up. She breaks down how to estimate start-up costs, secure initial funding, and budget for personal living expenses during the early, income-less years of your venture. She also discusses the importance of havin…
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How Can You Secure Your Child’s Financial Future?
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We’re back with a new episode of practical financial advice to help you make informed decisions about your money! In this episode of Let’s Talk Money, Monika explores how to build financial security for your child's present and future. Learn the importance of putting in place your own life cover and your medical insurance, as well as the necessity …
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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 unravels the backstory of the National Pension System (NPS), tracing its origins from the OASIS Project committee to its implementation by the Indian government. Learn how the NPS emerged as a defi…
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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 investme…
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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 E…
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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 un…
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Should You Ever Buy a Bundled Life Insurance Product?
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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 c…
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How Does Capital Gains Tax Impact Your Investments?
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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 va…
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Is Equity Investment Your Gateway to Financial Freedom?
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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 …
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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 inve…
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How to Use the Risk-o-Meter to Evaluate Your Mutual Fund Risk?
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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 a…
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When is the Public Provident Fund Your Best Investment Choice?
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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…
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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 buil…
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How Can We As Women Secure Our Financial Future?
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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 po…
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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 …
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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 opti…
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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 earn…
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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 you…
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How Should You Invest & Exit From Your Investments?
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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 ta…
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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 defici…
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How Can You Get Your Investment Choices Right?
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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 t…
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What’s The Right Mix Of Funds In My Mutual Fund Portfolio?
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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 s…
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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 transa…
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What’s The Financial Forecast for 2024? Monika Halan in conversation with Swarup Mohanty
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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 …
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Which Life Insurance Policy Is Right for You?
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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 …
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How To Strategize Your Finances When Raising Children?
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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 pertin…
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