Temperament: Money, Mind & Emotions

"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 discussedWhy 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_NnsJXn63y0aOlWatch 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.

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 unicorns*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.

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.

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*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.

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=XlAm20wLfCQWatch 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.

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 IndiaHow 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=UL2y4vTbHgFUwhpfWatch 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.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19People 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.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19In 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.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19Social 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.

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.

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.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19In the first part of the episode, we talked about the specific challenges India deals with when it comes to retirement planning. We also highlighted why it's crucial to include retirement planning in your overall financial strategy.If you haven't checked Part 1 yet, we recommend checking it out before moving on to Part 2.In the second part, we discussed important goals for both the short and long term that individuals and families should think about when getting ready for retirement. We also looked at how planning for parents' retirement involves estate planning. Lastly, we tackled the challenges families might face when talking about a retirement plan and shared some tips on how to handle these challenges."*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.

Artificial Intelligence or AI has the potential to revolutionize various industries by reshaping fundamental aspects, from business models to value chains. However, few industries rely on AI’s foundation, that is data, as profoundly as the insurance industry. While technology offers significant advantages, it also introduces inherent risks that demand careful consideration. These risks encompass issues like bias, discrimination, exclusion, transparent data usage, privacy concerns, and the need for clear explainability.In the first part of the episode, we will explore the transformative impact of AI on the insurance sector. We will delve into how AI is revolutionizing underwriting processes, predictive analytics, and dynamic pricing, ultimately leading to more efficient systems for insurers and lower premiums for policyholders."*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.

In the first part of the episode, we explored the transformative impact of AI on the insurance sector, highlighting the substantial changes it has brought about. If you haven't checked the part 1 we highly recommend you to give it a listen before delving into part 2. In the second part of the episode, we will discuss positive changes and risks associated with AI in insurance. We will also delve into legal provisions addressing bias and fairness in AI for insurance in India." *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.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19In this episode of Temperament, we have tried to make Real Estate and Tax Planning an interesting subject. Now you will be questioning how it can be made interesting. In the first part of the episode we have shared two predominant things: First, we have broken down tax calculations in the simplest manner, ensuring that you truly understand them. Second, we have shared some secret strategies for saving taxes on your real estate. In addition to this, we have also demystified the current tax regulations and incentives, making it not only comprehensible but also revealing some secret strategies for saving taxes on your real estate.*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.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19 In the first part of the episode we have broken down tax calculations in the simplest manner and demystified the current tax regulations and incentives. If you haven't checked the part 1 we highly recommend you to give it a listen before delving into part 2. In the second part of the episode, we have covered the tax implications of selling real estate. Details on Section 54, Tax Implications for NRIs, and discussed how GST (Goods and Services Tax) affects property transactions, especially for under-construction properties.*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.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19To understand the physical world, physicists study both big and small things. The big things include planets, stars, and galaxies, while the small things involve atoms and particles. There's a clear connection between the big and small, showing how everything is linked.Likewise, understanding your finances means looking at both small and big aspects. Small details include daily money choices, and big things involve broader economic factors like jobs and inflation, often discussed in news and government debates.Hence, in the first part of the episode, we talked about India's Macroeconomic Situation the global economy, and what the Reserve Bank of India might do based on global interest rates.*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.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19 In the first part of this episode, we explored India's macroeconomic landscape and delved into the global economic scenario. If you haven't had the opportunity to catch Part 1, we strongly encourage you to do so before moving on to Part 2.In the second part, our focus shifted to the realm of long-term investment strategies. We delved into the essential role of bridging the gap between personal finance and macroeconomics. Additionally, we discussed the nuanced art of managing risk, emphasizing the importance of adopting a disciplined approach and implementing a well-considered asset allocation strategy. The conversation also encompassed practical advice for investors, highlighting the significance of emotional detachment and the wisdom of aligning investments with specific goals.*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.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep18In 2023, India's housing market saw significant growth, setting new records in home sales despite global economic challenges. Anarock Research revealed that more than 349,000 units were sold in the top 7 cities in the first nine months, reaching a peak in Q3 2023, despite a noticeable 11 percent increase in average property prices. While the data indicates positive growth in the housing market, it's essential to understand the reasons behind this growth and the factors to consider before making real estate investments for maximum profit. Therefore, in the first part of the episode, we discussed financial budgeting for property investment and ways to reduce risks in residential real estate investments."*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.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep18 In the first segment of this episode, we explored the financial aspects of investing in residential properties, delving into budgeting strategies and risk mitigation techniques. If you haven't had the chance to listen to Part 1, we strongly advise you to do so before proceeding to Part 2. In part 2, we turned attention towards the legal facets of residential investments. We examined the relevance of the Real Estate Regulation Act (RERA) and also delved into considerations that extend beyond the legal realm, encompassing factors like the property's location and potential emotional or psychological influences that should be taken into account before making a purchasing decision."*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.