Avsnitt
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Have you ever felt guilty about spending money, avoided checking your bank balance, or worried about finances even when things were going well? You’re not alone. Our relationship with money isn’t just about income and expenses—it’s shaped by past experiences, deep-seated beliefs, and even generational patterns.
But here’s the big question: How does financial trauma shape our money habits, and what can we do to break free from it?
In this episode, we explore:
How past financial experiences influence your decisions todayThe emotional impact of growing up with scarcity or financial instabilityCommon money fears and how they manifest in adulthoodPractical ways to heal financial trauma and build a healthier money mindsetWatch full conversation with Dr. Nitasha Pandey: https://youtu.be/m2bL8UXz0UA?si=_6RyFAeOtTInOg9K
*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.
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In recent years, India has witnessed an unprecedented surge in personal loans, credit card spending, and household debt. With digital platforms making borrowing as easy as a tap, access to credit has never been faster. But as loans pile up, so do the risks. Are we on the brink of a credit bubble, or is this just the natural evolution of a growing economy?
In this episode, we explore:
The driving forces behind India’s credit boom and how it compares to past financial crisesThe shift from corporate to household borrowing and its implications for the economyThe role of fintech in reshaping India’s lending landscape and the risks of over-leveragingEarly warning signs of a debt trap and how to avoid falling into oneThe regulatory measures in place to prevent a crisis and whether they’re enoughWatch full conversation with Radhika Pandey: https://youtu.be/8507vYwKYmI?si=YkmASQJlRHnF5YIw
Watch full conversation with Bhavin Patel: https://youtu.be/7AxbRUISzIE?si=d0ZoVtv0SlH1F3ef
*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.
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Saknas det avsnitt?
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You’ve been investing in Indian stocks, tracking market trends, and watching your portfolio grow. But have you ever considered looking beyond borders? In 2024, the S&P 500 (when converted to rupees) outperformed India’s stock indices, and with the rupee hitting record depreciation against the dollar, global investing is becoming more relevant than ever.
But here’s the big question: Should you invest in US markets? And if so, how do you navigate currency risks, taxation, and the right investment strategies?
In this episode, we break down:
Why Indian investors are increasingly looking at US equitiesHow currency fluctuations impact your global returnsThe behavioral biases driving this investment trendKey regulations, tax implications, and the role of Gift CityCommon mistakes to avoid when investing internationally*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.
Watch full conversation with Devina Mehra: https://youtu.be/lq9gU4zY7aM?si=m__QT_553mR3yZxA
Watch full conversation with Neil Borate: https://youtu.be/6pnK9un7aZI?si=mw3oPQdCIKNyPZf2
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Indians have a deep-rooted love affair with gold—it’s a family heirloom, a financial safety net, and a symbol of prosperity. With over 24,000 tonnes of gold owned by Indian households, our obsession isn’t just cultural—it’s economic.
But here’s the bigger picture: Why do governments, central banks, and investors continue to trust gold in an era dominated by stocks and cryptocurrencies? And how has gold evolved from a physical asset to digital investments like ETFs and sovereign gold bonds?
In this episode, we break down:
How gold serves as a hedge against inflation and economic downturns?Why central banks are accumulating gold at record levels?The psychology behind India’s unwavering faith in goldThe shift from traditional jewelry to modern gold investment optionsHow much gold should actually be in your portfolio?Watch full conversation with Sachin Kothari: https://youtu.be/buLuCqBWMbs?si=WU09iu2tJuYHND
*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.
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Retirement: the word conjures up images of leisurely pursuits, travel, and finally having the time to do the things you've always dreamed of. But for many Indians, the reality is far from idyllic. With a significant portion of the population yet to start saving, and existing savers plagued by anxiety about their financial future, retirement looms as a distant and uncertain prospect.
In this episode, we delve into the anxieties and aspirations surrounding retirement in India. We'll explore:
Retirement Reality: Why are so many unprepared?Retirement Products: NPS, PPF, and other options.Best Fit: Finding the right products for you.Planning Better: Setting goals, budgeting, and investing.Watch full conversation with Rajani Tandale: https://youtu.be/Nv4QhBsn0AI?si=0oUCfH7WwE2qJOAp
Watch full conversation with Kuldeep Parashar: https://youtu.be/QQdYu66zMr8?si=tkKBru-OhGzUaYne
Watch full conversation with Sriram Iyer: https://youtu.be/H2laCAidZcc?si=_dweY-fRwHffyY
*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.
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The Indian wedding industry is worth a jaw-dropping $130 billion—double the size of the U.S. wedding market and nearly 1.5 times the GDP of Sri Lanka. With over one crore weddings happening annually, the average family spends twice as much on a wedding as on education, showcasing the cultural and emotional significance of these grand celebrations.
But here’s the question: How do you balance creating the wedding of your dreams with financial security, especially when unexpected costs can quickly spiral out of control?
In this episode, we tried to understand the financial dimensions of Indian weddings and discuss:
The cost spectrum of Indian weddings, from ₹30 lakhs to ₹35 crores.Emotional and social pressures that drive overspending.Real-life budgeting challenges and surprises.How inflation has tripled wedding costs in recent years.Smart post-wedding financial planning tips.Watch full conversation with Pratik:https://youtu.be/E5LPpIdj-o4?si=LHoJ17VgrwPZEsvF
*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.
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Have you ever imagined owning a share of a premium commercial property in a bustling corporate hub—earning steady income without shelling out hundreds of crores upfront?
What if we told you this isn’t just a far-fetched dream? Picture yourself owning a piece of an iconic skyscraper or reaping dividends from India's most coveted real estate, all without the hassle of managing tenants, dealing with maintenance, or shouldering massive costs. Sounds enticing, doesn’t it?
Welcome to the world of alternative real estate investments—a revolutionary space making premium properties accessible through innovations like REITs and fractional ownership.
In this episode of Temperament, we dive into:
How REITs are democratizing real estate by allowing you to invest with just a few thousand rupeesThe concept of fractional ownership and how it’s transforming the real estate landscapeA comparison between traditional property ownership and these modern investment toolsWhy alternative real estate investments are gaining traction and what they mean for you as an investorWatch the full conversation with Shiv Parekh: https://youtu.be/oWqY75h2uIM?si=FEJ99RoixrPclzyd
Watch the full conversation with Ashish Khandelia: https://youtu.be/k5LgAUhV-eA?si=HOruvdQ1J017HBWN
*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.
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The price of everything you buy—the chai you sip, the gas you fill, the stocks you invest in—isn’t just about supply and demand. It’s part of a much bigger web of forces at play, one we often hear about but rarely stop to understand: macroeconomics.
Think about it. When inflation rises, your money buys less. When GDP grows, it could mean more jobs and higher incomes. And when the government shifts policies, your taxes, investments, and even daily expenses can take a hit. These aren’t just numbers—they’re signals shaping your everyday life.
Hence, in this episode of temperament we explored
What inflation really costs you?Why government policies matter more than you think?How India’s bold vision of becoming a developed country by 2047 could rewrite the rules of the game.Listen to full conversation with Ankita Pathak: https://youtu.be/Xljd6Hs3tc8?si=iT34todvQLkhzABn
Listen to full conversation with Navneet Munhot: https://youtu.be/zANtCxxY4rM?si=7zh9ma-5Uq71nRcM
Listen to full conversation with Niket Shah : https://youtu.be/5MjY1EbMBRI?si=mfVxFDAbFIA3GxWw
*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.
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Short-term rentals have emerged as a popular avenue for passive income, with India becoming a key player in this trend. According to Amanpreet Bajaj, Airbnb India’s General Manager, the country is one of Airbnb’s fastest-growing markets.
In 2023 alone, Airbnb saw a 30% increase in nights booked across India, with domestic bookings skyrocketing by 110%. As Indians embrace travel and look for stays that combine comfort with unique experiences, short-term rentals are booming.
But is running an Airbnb or a short-term rental as straightforward as it seems?
In this episode of Temperament, we dive into:
The challenges of starting and managing an AirbnbThe rapid growth of short-term rentals in IndiaTop markets to consider for investmentThe costs, returns, and profitability of short-term rentalsWatch the full conversation with Amit: https://youtu.be/uCzfGf8n7_o?si=HZNUc-2Q7WuT-IKV
Watch the full conversation with Rafique: https://youtu.be/d_yxRKXt2CI?si=dUq0bKAgc2DF6X8a
*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.
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"Mutual Fund Sahi Hai"—a phrase we’ve all heard. And the numbers prove it.
India's mutual fund industry has experienced remarkable growth, expanding sixfold in the last decade to manage an impressive ₹61.33 trillion by mid-2024. It’s clear that more Indians are harnessing the power of compounding and making their money work for them.
Yet, here’s the paradox: 97% of investors discontinue their SIPs within five years. If mutual funds are so effective, why do so many struggle to stay invested long-term?
In this episode of Temperament, we uncover the answers. We discussed
Why mutual funds are essential for every investor.Behavioral biases affecting both fund managers and investors.The reasons behind India’s low mutual fund penetration.Common mistakes investors make—and how to avoid them.Watch full conversation with Gajendra: https://youtu.be/1IopPA-4My0?si=k1_NnsJXn63y0aOl
Watch full conversation with Swarup: https://youtu.be/CumXmEiV_1A?si=h_dYWPA6ZqO0CoVO
*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.
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Every startup success story makes angel investing look irresistible. From Sanjeev Bikhchandani's 4.7 crore investment in Zomato turning into 15,000 crores to early investors making 200x returns, these astronomical numbers are capturing everyone's attention. But behind these headline-grabbing exits lies a complex world of calculated risks and strategic decisions.
In this episode, we dive deep into the realities of angel investing and explored
What separates successful angel investors from those who lose money?Essential factors to evaluate before writing your first investment checkStrategic frameworks to identify promising startupsWhy most angel investors fail despite backing innovative ideas?Emerging sectors that could produce the next generation of unicornsWatch full conversation with Anirudh: https://youtu.be/5ttcZG0Ti4o?si=0GVtkAxN53EHIv5h
Watch full conversation with Arjun: https://youtu.be/XyvK_qg8P08?si=iyTGj1-bqAMo1KtI
*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.
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Ever noticed how your Instagram feed seems to read your mind, showing you exactly what you "need" when you’re feeling down? A tailored collection of clothes, gadgets, and home decor pops up, promising to fill a void you hadn’t even recognized until just moments ago.
In 2023, a Deloitte survey of over 114,000 adults across 23 countries found that nearly 80% made at least one splurge purchase in the past month to boost their mood—even though only 42% felt they could afford it.
In this episode, we dive into the world of retail therapy, discussing:
Why we turn to shopping as a coping mechanism?How brands leverage our emotions to drive spending?The role of technology in encouraging impulsive purchasesPractical steps to curb impulse buying and better manage financesWatch full conversation with Chandralekha: https://youtu.be/Dh59C7-PJE8?si=wVSqWqMy9uJ2QQkV
*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.
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Dubai real estate is making waves, especially on social media. Everywhere you look, someone is either promoting the benefits of investing in Dubai or showcasing its luxury properties. It seems like everyone is jumping on the Dubai real estate bandwagon, and the hype is hard to ignore. Hence, to understand this hype, in this episode we discussed:
Is Dubai real estate really worth the hype? Is the market nearing bubble territory? India vs. Dubai: Which is a better investment for Indians? Key factors to consider before investing in Dubai real estate.Watch full conversation with Anand Menon: https://youtu.be/fwwnvBlnzio
Watch full conversation with Chintan Vasani: https://youtu.be/uj78UYwiOgg?si=cUkg534dD5k9a-6h
*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.
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Financial Independence, Retire Early (FIRE) has been a popular topic for some time, inspiring many to pursue early retirement for personal reasons. However, the journey to achieving FIRE isn’t always straightforward, and the lifestyle after early retirement is often misunderstood as effortlessly smooth, which isn't always the case. In this episode, we break down the FIRE concept, explore
How to calculate your FIRE number?Investment strategies for achieving financial independenceEmotional and psychological challenges that come with retiring early.Watch full conversation with Ritesh: https://www.youtube.com/watch?v=XlAm20wLfCQ
Watch full conversation with Ravi: https://youtu.be/nBS_asQviAk?si=GXKw-5KCMDE-iSv2
*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.
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Over 52,000 cybercrime cases were recorded in India in 2022, with financial fraud making up a massive 60%, according to NCRB data. And that’s just the reported cases—the true scale could be much larger. Surprisingly, many victims are well-educated and tech-savvy individuals. So, why do so many fall victim to these scams?
To get an answer of this In this episode, we explored
The scariest and most common cybercrimes in India
How even educated individuals get tricked The psychological strategies scammers use to deceive victimsThe exploitation of teenagers in online financial schemes Practical ways to protect yourself from cyber fraud.Watch full conversation with Ritesh: https://youtu.be/dl3bxXE_cRU?si=UL2y4vTbHgFUwhpf
Watch full conversation with Nirali: https://youtu.be/6E5LA9NBp-A?si=xcNRuVxqbetTlQst
*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Quotes or authorizations in this podcast are provided solely for educational purposes and relate to third-party products.
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Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19
People are naturally optimistic, and that positivity helps them enjoy life, love, and even try new things like tasty cheeseburgers or space exploration. But this optimism has a downside, especially when it comes to getting ready for tough times in the future.
Sometimes, our hopeful outlook on the future makes us forget to plan for unexpected money problems. Depending only on being optimistic without preparing enough is a risk that many of us can't afford.
So, it's important to find a balance by being practical. That's where understanding insurance comes in handy.
In the first part of the episode, the things to consider before selecting the insurance cautions against relying too much on work insurance plans, and discussed common mistakes people make with health insurance."
*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.
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Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19
In the initial segment of the episode, we explored key considerations before choosing insurance and common mistakes often made in health insurance.
If you haven't listened to part 1 yet, we strongly recommend doing so before proceeding to part 2.
In the subsequent part of the episode, we delved into topics such as the tax benefits linked to insurance premiums, the cautionary aspects of depending on multiple insurers for cashless claims, and the psychological factors that influence decisions related to insurance."
*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.
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Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19
Social media has become a big part of our daily lives, whether we're enjoying content from our favorite brands, shopping live, or trying on things virtually. Thanks to the widespread use of the internet, there are now 467 million social media users in India, and 89% of them are active every day.
A survey found that in the last year, U.S. adults spent a whopping $71 billion on impulse purchases influenced by social media. This is more than the GDP of countries like Slovenia, Ghana, or Jordan. Surprisingly, 57% of these impulse buyers regretted at least one of their purchases.
This brings us to an important question: How does social media affect our spending habits psychologically?
In the first part of our episode, we talked about how social media shapes the way we make choices, the excitement created by marketing, and the importance of ethical considerations when businesses use social media."
*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL, and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.
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Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19
In the first part of the episode, we talked about how social media affects the choices we make, and why it's important for businesses to be ethical on social media.
If you haven't heard Part 1 yet, we highly recommend you check it out before delving into Part 2.
In part 2, we discussed what makes people buy things, how influencers on social media work, and why it's important to be careful about creating fake excitement."
*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.
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Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19
According to the India Retirement Index Study, more than 80% of urban Indians fear they will run out of money in retirement and 59% of urban Indians believe their savings won’t last even 10 years in retirement.
Hence, it becomes important to consider retirement planning as a crucial part of financial planning, especially our parent's retirement.
Parents often make significant sacrifices for their children, going above and beyond to meet their emotional needs and provide the best possible education. Although it's impossible to fully repay them for their efforts, expressing gratitude through a thoughtful retirement plan could be a meaningful gesture and will allow them to enjoy a life of respect and dignity without compromise.
In the first part of the episode, we discussed the importance of planning for retirement, the challenges of retirement planning in India, and emerging trends in retirement planning. "
*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.
- Visa fler
