Moneywise

Ready to take a deep dive into how to structure investment portfolios?In this episode of Moneywise, we decode 3 key factors in investing: Momentum, Size, and Low Volatility. We understand these using real-life examples that you’ll actually relate to.But how do these factors actually work in real markets?In this deep dive, we explain:- Factor investing explained in simple, practical terms- How factor investing strategies are structured using momentum, size, and volatility- What momentum factor investing looks like and why trends may persist at times- How factor size investing differs from large-cap investing- How multiple factors are used in investment frameworks- How to learn factor investing without trying to time the marketThis episode will help you understand factor investing as a framework, whether you’re exploring strategies, comparing funds, or strengthening your investing basics.This content is for educational purposes only and should not be considered investment advice or a recommendation to buy or sell any securities or adopt any investment strategy.

Want factor investing explained in the simplest way possible?In this episode of Moneywise, we decode the three powerful styles that influence how portfolios are constructed — Growth, Value, and Momentum.These aren’t stock tips. They’re structured approaches used in factor investing.Here’s what you’ll learn:• What Growth factor investing means and how earnings expectations drive pricing• How Value factor investing identifies relatively lower-valued companies using ratios like P/E, P/B and EV/EBITDA• What Momentum investing focuses on and why trends sometimes persist• Factor investing quality vs value vs growth — how different styles behave across market cycles• Why no single factor outperforms in every phase• How factor-based mutual fund strategies are structuredIf you’ve ever wondered how professional portfolios are designed, this episode connects theory to practical understanding.Mutual fund investments are subject to market risks. Please read all scheme related documents carefully before investing.

Is investing really just luck and gut feel… or is there an actual science behind it? 📊🤔In this episode of Moneywise, Virat and Rachita dive into the world of factor investing, the structured, data‑driven approach that quietly influences how many portfolios are built. No jargon overload, no spreadsheet trauma (mostly), just clean explanations and relatable analogies.Factor investing sounds complex, but at its core, it’s about understanding why certain stocks tend to behave the way they do, and what factors drive long‑term performance.🎯 In this episode, you’ll explore:• Factor investing explained in simple, practical terms• What factors actually mean in real investing• An easy way to think about quality factor investing• How investors can start thinking about how to learn factor investing without overcomplicating it• Why factor-based thinking matters even for mutual funds for beginnersIf you’ve ever wondered whether investing decisions can be broken down into repeatable logic instead of pure instinct, this episode connects the dots.Chapters:00:00 Intro01:40 Patterns in Market03:45 Factors Explained04:55 Catch in Factor Investing06:35 Real talk on Factor Investing07:35 OutroNo promises. No shortcuts. Just a deeper look at how investing frameworks actually work behind the scenes.

Even experienced investors make mistakes. Not because they don’t know enough… but because money has a way of triggering very human decisions.In this episode of Moneywise, Virat and Rachita break down the 10 most common investing mistakes that almost everyone falls for, from beginners starting out to long-term investors who think they’ve seen it all.These are the small slip-ups that can quietly derail your long-term investing journey.In this episode, we cover:• Beginner investing mistakes that most people repeat• The “I’ll time the market” trap• Overreacting to short-term noise• Chasing hype instead of having a plan• Ignoring diversification and risk• Common investing mistakes to avoid even after years of experienceChapters:00:00 Intro01:40 Chasing Top Performers02:20 Panic Selling02:29 Too Many Funds03:23 Relying on Forwards04:00 Checking Portfolio Everyday04:43 Not Setting Goals05:00 Timing the Market05:29 No Emergency Fund06:00 Tax Considerations07:54 RecapWhether you’re new to investing or already investing through mutual funds, this episode is a reminder that investing is less about being perfect… and more about avoiding the obvious errors.Watch till the end and see how many of these mistakes you’ve caught yourself making.This content is for educational purposes only and should not be construed as investment advice.Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

Your mutual fund has a chef and no, it’s not random.When you invest in a mutual fund, you’re not just buying a basket of stocks. You’re handing your money to someone who decides what goes in, what stays out, and when the recipe needs a change. That someone is the fund manager.In this episode of Moneywise, Virat and Rachita break down who a fund manager really is using a simple kitchen analogy. Think of the fund manager as the chef, the market as the pantry, and your portfolio as the final dish. Just like a chef follows a process rather than cooking randomly, fund managers follow defined research and risk frameworks while selecting stocks.🍽️ In this episode, we unpack:•⁠  ⁠Who is a fund manager and what they actually do day to day•⁠  ⁠The real responsibilities of a fund manager beyond “buying stocks”•⁠  ⁠How fund managers select stocks and manage risk behind the scenes•⁠  ⁠Why some funds actively tweak the recipe while others follow a fixed menu•⁠  ⁠Active vs passive funds explained in a simple, no-jargon wayChapters:00:00 Intro00:58 Who are mutual fund managers02:08 What is the responsibility of a fund manager03:15 Active vs passive funds05:16 Types of investment philosophy05:42 What to do when a fund manager leaves?06:40 Myths about fund managersThis episode helps you understand why the person managing your money matters, how decisions are made inside a mutual fund, and what role a fund manager plays in shaping outcomes over time without making any promises or predictions.If you’ve ever wondered “Who is deciding where my money goes?” this episode answers that question, calmly and clearly.🎧 Watch till the end to see why choosing a fund is also about trusting the chef, not just liking the menu.

Mutual fund tax is one of the most misunderstood parts of investing, and many investors realise it only after booking profits.In Moneywise Season 2 Episode 22, Virat and Rachita explain tax on mutual funds in India in simple language, helping you understand how mutual fund taxation actually works.In this episode, you’ll learn: • How mutual fund capital gains tax applies to equity mutual funds • The difference between short-term and long-term capital gains tax on mutual funds • Why the 1-year holding period matters for equity mutual fund tax • How debt mutual fund taxation rules changed after April 2023 • What tax-loss harvesting in mutual funds means and when it can reduce tax • Why tax should be a factor, not the deciding factor, in investment decisionsIf you’ve searched for mutual fund tax explained, tax on mutual funds, long-term vs short-term capital gains, or how mutual fund tax works in India, this episode breaks it down clearly.This video is for investor education only. Tax laws discussed are as per current regulations and are subject to change.

Most people say, “I’ve started investing in mutual funds,” but when asked why, the answer is usually… “for the future.” But the future isn’t one place. It’s a house, a holiday, an emergency, or retirement, and each destination needs a different train.In this episode of Moneywise, we use a simple railway journey analogy to explain goal-based investing through mutual funds and why matching the right investment to the right timeline is the backbone of smart money management.You wouldn’t take a bullet train to buy groceries or a local train for a cross-country trip, so why do it with your investments?🎯 What you’ll learn in this episode:•⁠  ⁠Why investing without a clear goal is the biggest reason people quit midway•⁠  ⁠How short-term, medium-term and long-term goals need different strategies•⁠  ⁠Where emergency funds actually belong (and where they don’t)•⁠  ⁠How to juggle multiple goals without confusing your portfolio•⁠  ⁠Common goal-based investing mistakes investors keep repeating•⁠  ⁠Why annual reviews matter as much as starting an SIPTimestamps0:00 – Why “I’m investing for the future” is not a plan0:45 – Investing without a goal is like travelling without a destination1:30 – The three goal timelines every investor must know2:50 – Short-term goals and why safety beats growth here3:00 – The 6-month emergency fund guideline explained4:40 – Medium-term goals and the role of balance5:00 – Why time changes how much risk you can take6:45 – Managing multiple goals at the same time7:00 – Building a real-life goal-based investment plan8:20 – The most common goal-based investing mistakes9:00 – Why reviewing goals annually is non-negotiableIf you want your mutual fund investments to actually support your life goals, this episode helps connect the dots between financial planning, goal-based investing, and practical money management.This episode is for investor education purposes only and does not constitute investment advice or a recommendation. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully.

Your portfolio is a lot like your wardrobe. If you never clean it up, rebalance it, or remove what no longer fits, things quietly go out of control.In this episode of Moneywise, we break down portfolio rebalancing in simple, no-jargon language. From why ignoring rebalancing can slowly distort your mutual fund portfolio to how often it actually needs attention, this conversation cuts through the confusion without fear-mongering or flashy claims.We talk about what rebalancing really means, how asset allocation drifts over time, and why a portfolio that once made sense may no longer match your goals today. Whether you’re new to mutual funds or already investing through SIPs, understanding how to rebalance a mutual fund portfolio is a core skill many investors overlook.If you’ve ever wondered how one should do rebalancing in mutual funds or struggled with how to rebalance and analyse a mutual fund portfolio, this episode helps you think through the logic calmly and clearly. No shortcuts. No hype. Just a smarter way to look at your investments.Chapters:00:00 Intro01:13 Understanding Rebalancing03:49 When to Rebalance?06:12 Rebalancing Method07:53 Rebalancing Mistakes10:00 Recap

Think of diversification in mutual funds like food choices. Eating the same pizza for breakfast, lunch, and dinner every day gets boring and unhealthy. But trying 50 different dishes in every single meal? That’s chaos. The sweet spot is a balanced plate, and investing works the same way.In this episode of Moneywise, we break down the real meaning of diversification and why many investors unknowingly fall into over-diversification in mutual funds. More funds nay not always mean more safety. In fact, the disadvantages of over-diversification in mutual funds often include unnecessary complexity, overlapping holdings, and diluted outcomes.Through simple analogies and clear logic, we explore how to think about diversification the right way, especially for mutual funds for beginners and anyone starting mutual funds and SIP for beginners. No jargon, no hype, just a practical way to understand how balance matters more than quantity.Because smart investing isn’t about eating the same thing forever… or trying everything at once. It’s about knowing how much is enough.Chapters00:00 Intro01:11 Underdiversification vs Overdiversification02:21 Diversification Mistakes03:40 4 Types of Diversification05:54 How Many Funds?06:58 Downsides of Overdiversification08:02 Myths Busted09:25 Quick Recap

Just like you can’t expect nonstop boundaries and zero wickets, higher return potential is generally linked with higher uncertainty.We break down what is risk in investment, the types of investment risk, and why understanding this balance is a core part of informed investment strategies. No jargon, no promises, just clear financial education to help you think better about risk and return in investing in the stock market before making decisions.Chapters:00:00 Intro01:08 T20 vs Test02:26 What is Risk?04:19 Market Stories07:27 How To Assess Risk10:15 Practical Tips12:37 Investment Mistakes

Ever wish investing came with a cheat code? Index funds pretty much are that cheat code, the “Ctrl+C Ctrl+V of the market,” as Virat calls it. And Rachita? She’s already obsessed with this idea of legal copying.In this episode of Moneywise, we break down index funds for beginners in the simplest, funniest, and most no‑nonsense way possible. Whether you’re a first‑time investor or someone still wondering “what is an index fund, exactly?”, this one clears the fog without boring jargon or scary charts.Chapters:00:00 Intro01:00 Long-term vs Short-term04:15 Real-World Examples07:27 How To Assess Funds10:14 Practical Advice12:32 Investment Mistakes to Avoid14:27 RecapIf you’ve been thinking of entering the market but want something simple, steady, and beginner‑friendly, this episode will help you connect the dots without promising any magic outcomes.

Small Cap, Multi Cap, Flexi Cap - three mutual fund categories that feel like completely different rishta profiles. One hustles, one balances, one adapts. But knowing how they differ helps investors understand how each category aligns with different risk-return characteristics.Just like an arranged-marriage shortlist, selecting a category depends on your comfort, expectations, and long-term approach, not on guarantees.In this episode of Moneywise, we break down what Small Cap, Flexi Cap, and Multi Cap mutual funds are in a clear and relatable way, ideal for beginners or anyone trying to understand how these categories function within equity investing.Here’s what you’ll learn:🚀 Small Cap Mutual Funds: Typically higher-volatility categories that invest in smaller companies. They require patience and a longer investment horizon.🎯 Multi Cap Funds: A fixed mix of large, mid, and small caps as per SEBI’s allocation framework. What this structure means for investors.🔄 Flexi Cap Funds: No fixed allocation rules. How fund managers can adjust exposure across market caps based on their assessment of conditions.We also simplify:•⁠  ⁠How each category works•⁠  ⁠Why their behaviour differs•⁠  ⁠How investors generally evaluate them based on risk level and investment horizonNo jargon, no predictions; just a clear guide to help you understand these categories before you decide which one aligns with your comfort and goals.

Large Cap vs Mid Cap Mutual Funds… but explained as matrimonial profiles?YES. And it works perfectly.In this episode of Moneywise, Virat and Rachita take the most relatable route possible… treating types of equity mutual funds like arranged-marriage and love-marriage candidates.One category represents well-established companies; the other represents growing businesses with big ambitions.No jargon. No confusion. Just a simple way to understand how these categories differ and how investors think about them.⸻🔎 Chapters00:00 Intro01:00 What Is a Large Cap Fund?02:00 Why Investors Consider Large Caps02:16 What Is a Mid Cap Fund?03:45 Practical Pointers04:50 Recap⸻🎯 You’ll Learn:Large Cap Mutual Funds: Funds that invest in the top 100 companies by market capitalisation, typically well-established businesses.Mid Cap Mutual Funds: Funds that invest in companies ranked 101–250, typically in their growth phase.How these categories differ: Business size, movement patterns, and how they behave during different market phases.How investors think about both: Based on investment goals, time horizon, and comfort with market volatility.Why some mix both: To create a diversified mutual fund portfolio aligned with long-term objectives.This is a fast, fun, story-led breakdown that finally makes Large Cap and Mid Cap categories easy to understand, without technical overload.

Is Equity really like spicy achar and Debt like cooling dahi?Surprisingly… yes! Just like a plate needs both for perfect balance, your investments can also benefit from the right mix. 🍛In this episode of Moneywise, Virat and Rachita break down Equity Mutual Funds and Debt Mutual Funds in the simplest way possible; without jargon, without hype, and without any unrealistic claims. This episode helps you understand how these two categories work, how they differ, and how combining them can support long-term financial planning.Chapters00:00 Intro01:37 What is an Equity Mutual Fund03:09 What is a Debt Mutual Fund04:30 Common Allocation Mistake08:30 Goal-Based Planning08:49 Myths vs Facts10:00 RecapYou’ll Learn: • What Equity Mutual Funds invest in and why they come with higher ups and downs • What Debt Mutual Funds invest in and how they provide relatively stable movement • Why many investors use both categories to create a balanced, goal-aligned portfolio • How beginners can think about allocation depending on time horizon and comfort with volatility • Why understanding the basics matters more than trying to “time the market”This episode is perfect for anyone starting their investment journey or trying to understand how Equity and Debt may fit into long-term potential wealth creation.Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.

Ever wondered what NAV actually means and why every mutual fund investor keeps talking about it? 🤔In this episode of Moneywise, we break down the Net Asset Value (NAV), what it really is, how it’s calculated, and why it’s not the same as your mutual fund’s performance. Whether you’re just starting your SIP journey or already exploring different schemes, understanding NAV is key to becoming a smarter investor.Join Virat and Rachita as they simplify finance concepts like:- What is Net Asset Value (NAV) per share in Hindi in mutual funds- How NAV relates to your returns (and how it’s not the only factor!)- The role of compounding wealth in long-term investing- Common myths beginners have about net asset value per shareBecause sometimes, what seems like a boring number can actually tell the real story of your investments.👉 Perfect for anyone who’s just starting with mutual funds for beginners or looking to understand the meaning of net asset value in simple terms.📍Chapters00:00 Intro00:40 What We Will Cover01:25 What is NAV02:35 Snowball Effect03:45 Step-up SIP05:17 Age-based Strategy06:12 Debunking Myths07:30 Recap

Your first SIP could be the start of your wealth story, if you do it right.In this episode of Moneywise, Virat and Rachita break down how to invest in mutual funds and how to start a SIP; no jargon, no sales pitch, just straight talk.👉 Understand what makes a mutual fund SIP investment work, how to pick a fund that fits your goals, and why consistency (not timing) drives real results.Whether you’re a beginner exploring mutual funds, or someone finally ready to set up that first SIP, this episode makes investing simple, relatable, and sustainable.🎧 Because in personal finance, clarity beats complexity every single time.

Think mutual funds are just for finance pros? Think again. 💡In this episode of Moneywise, Virat and Rachita break down everything first-time investors get wrong about mutual funds, from picking your first SIP to understanding why your bank balance isn’t growing (hint: inflation is silently eating it).Expect sharp insights, relatable money confessions, and zero jargon as we talk about: • How to actually start investing in mutual funds the smart way • Why “waiting for the right time” is the biggest mistake beginners make • Simple frameworks to build long-term wealth without feeling overwhelmedWhether you’re hoarding cash in your savings account or feeling lost in finance lingo, this episode will help you see money through a whole new lens — practical, simple, and a little bit savage.

Everyone wants to know what the right time to invest in mutual funds is, but here’s the uncomfortable truth: the perfect time was yesterday. The next best time? Today!In this episode of the Moneywise Podcast, Virat and Rachita break down one of the biggest investing myths, waiting for the “right moment”, and explain why time in the market beats timing the market every single time.They dig into how compounding actually works, why early starts matter, and how even a small delay can make a huge difference to your long-term wealth building. Expect witty banter, simple maths, and stories that’ll make you rethink your “I’ll start next month” mindset.Here’s what you’ll take away:•⁠  ⁠Why there’s no perfect age or perfect market condition to begin investing.•⁠  ⁠How to make your money work for you through the power of compounding.•⁠  ⁠Simple steps on how to start investing and stay consistent.•⁠  ⁠A clear guide on how to start SIP even if you’re new to Mutual Funds.•⁠  ⁠The long-term benefits of starting early and letting time do the heavy lifting.Whether you’re a student just earning your first salary or a professional waiting for the “right” market entry, this episode shows why one of the smartest steps you can take is to start early and stay consistent.Tune in if you’ve been wondering what the right time is to invest in mutual funds, because by the end of this episode, you’ll realise you already know the answer.Tell us in the comments: when did you start your first SIP, or what’s stopping you from beginning today?Disclaimer: The content shared in this video is for educational and awareness purposes only and should not be considered financial advice. Please consult a financial advisor before making any investment decisions. 

Ever wondered why some people with huge paycheques still end up broke by the end of the month? It’s not bad luck; it’s lifestyle inflation.In this video, we unpack the sneaky lifestyle inflation trap — that pattern where your expenses quietly grow every time your salary does. From “I deserve it” purchases to impulse upgrades, this trap can eat away at savings faster than you realise.Here’s what we break down:•⁠  ⁠What exactly lifestyle inflation is and how it creeps into your financial habits.•⁠  ⁠Why high income doesn’t automatically mean high savings.•⁠  ⁠How to spot the early signs that you’re falling into the lifestyle inflation trap.•⁠  ⁠Practical tips on how to budget and save money — without feeling deprived.•⁠  ⁠Simple ways to build a smarter budget that grows slower than your salary.If you’ve ever told yourself, “I’ll start saving when I earn more,” this video might change how you see money. The truth is, real wealth comes from discipline, not digits on a payslip.Watch till the end for a few actionable ideas on how to save money and start taking charge of your financial habits before lifestyle creep takes over.Disclaimer: The content shared in this video is for educational and awareness purposes only and should not be considered financial advice. Please consult a financial advisor before making any investment decisions.

We spend decades saving and investing, but the real test of money smarts often comes at the very end during the distribution phase of wealth creation.In this episode of the Moneywise Podcast, Virat and Rachita explore the stage that determines whether your years of hard work and saving actually translate into a comfortable life. It’s about more than just numbers; it’s about using your corpus wisely so you can enjoy retirement with dignity.Here’s what you’ll hear:•⁠  ⁠Why good retirement planning isn’t just about how much you save, but how you plan to use it.•⁠  ⁠How structuring your asset portfolio matters when you start drawing down your savings.•⁠  ⁠The often-ignored challenges of living off your investments, from inflation to healthcare costs.•⁠  ⁠Real-world stories that show why the distribution phase is as important as the building phase.•⁠  ⁠Practical perspectives on financial planning for retirement that can help you think ahead without panic.Whether you’re decades away from retirement or already planning to use your accumulated corpus, this episode will get you thinking about how to make your money last for the life you want to live.The aim is simple: to spark smarter conversations about the final stage of wealth creation, one that is as much about peace of mind as it is about managing your asset portfolio.