Let's Talk Money with Monika Halan Podcast Por Monika Halan arte de portada

Let's Talk Money with Monika Halan

Let's Talk Money with Monika Halan

De: Monika Halan
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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 Monika Halan. So, Let’s Talk Money!Monika Halan Economía
Episodios
  • Is a Luxury Bag an Investment?

    Is a Luxury Bag an Investment?
    May 22 2025

    This week, Monika tackles a controversial question that might land her in hot water with many women: is a luxury bag truly an investment? From silk saris to high-end handbags, these purchases are often labeled as financial assets. But Monika breaks down what qualifies as an actual investment and whether these luxury items really fit the bill—or if they’re simply expensive indulgences. With her trademark clarity and humor, she walks through the difference between collectibles and income- or profit-generating assets.


    Next, Monika explains the term GDP—Gross Domestic Product—a phrase that’s often used but rarely understood in everyday life. What does it really measure? Why is it important? And how does it affect us? She gives a clear and relatable overview, showing how the value of everything produced within a country tells us about its economic health. With a breakdown of the GDP formula and India’s consumer-driven economy, this segment offers a strong foundation for understanding headlines and economic reports.


    The Q&A section begins with Anonymous, who wants to understand which equity mutual fund categories in India can invest in foreign shares and whether there are specific limits involved. Somya Shrivastava, a PSU manager, seeks advice on when to rebalance and evaluate her mutual fund portfolio. Mohit Khera asks if it’s a good idea to invest ₹50 lakhs in a Nifty 50 fund and start an SWP for his parents, while Akila Shivkumar wants to know when it makes sense to book profits on her long-term SIP investments.


    Chapters:

    (00:33-04:42) Is a luxury bag an investment?

    (04:43-06:18) What is GDP and why it matters

    (06:22-09:39) Which mutual funds can invest in foreign stocks?

    (09:40-12:06) How to manage and rebalance your mutual fund portfolio

    (12:07-12:57) Is SWP from equity funds a good idea for parents?

    (12:58-14:41) When should you book profits in mutual funds?


    https://www.valueresearchonline.com/funds/selector/category/118/equity-international/?end-type=1&plan-type=direct&exclude=suspended-plans

    https://www.moneycontrol.com/news/business/markets/with-7-billion-limit-breached-only-a-few-mf-schemes-offer-overseas-equity-exposure-here-s-the-list-of-schemes-12971900.html


    If you have financial questions that you’d like answers for, please email us at ⁠mailme@monikahalan.com⁠


    Monika’s book on basic money management

    ⁠⁠https://www.monikahalan.com/lets-talk-money-english/⁠⁠


    Monika’s book on mutual funds

    ⁠https://www.monikahalan.com/lets-talk-mutual-funds/⁠


    Monika’s workbook on recording your financial life

    ⁠⁠https://www.monikahalan.com/lets-talk-legacy/⁠⁠


    Calculators

    ⁠⁠https://investor.sebi.gov.in/calculators/index.html⁠⁠


    You can find Monika on her social media @monikahalan.

    Twitter ⁠⁠@MonikaHalan⁠⁠

    Instagram ⁠⁠@MonikaHalan⁠⁠

    Facebook ⁠⁠@MonikaHalan⁠⁠

    LinkedIn ⁠@MonikaHalan⁠


    Production House: ⁠www.inoutcreatives.com⁠

    Production Assistant:⁠ Anshika Gogoi
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    16 m
  • Did you Hear What Warren Buffett Said To You Last Week?

    Did you Hear What Warren Buffett Said To You Last Week?
    May 8 2025
    What is it about Warren Buffett that continues to inspire millions of investors across the globe? This week, Monika dives into the key highlights from the Berkshire Hathaway annual shareholder meeting held on May 3, 2025. In what could be described as the “Woodstock for Capitalists,” over 20,000 people gathered to listen to the Oracle of Omaha—perhaps for the last time, as Buffett announced his decision to step down at the end of this year. With his 95th birthday approaching, the baton will pass to Vice Chairman Greg Abel, marking the end of an extraordinary era.Monika walks us through some of Buffett’s most impactful messages over the years—from his legendary $1 million bet against hedge funds to his consistent promotion of low-cost index investing for retail investors. A particularly powerful moment this year came in response to a question about market volatility, where Buffett warned that if a 15% drop in portfolio value causes fear or panic, an investor likely needs a new philosophy. Markets will continue to surprise, he said, and investors must learn to check emotions at the door. Monika echoes this wisdom with her own tools for riding market ups and downs—starting with emergency funds, insurance, and a safety buffer of fixed-income products.Listener questions this week reflect a deepening engagement with personal finance and investing. Neha writes in asking whether she should switch her mutual fund investments from a regular plan to a direct plan, given the high total expense ratio. Another listener shares an anonymous and difficult situation involving a financially reckless parent, inherited debt risks, and questions about overseas investing and portfolio tracking. And Smitha from Chennai asks for help in setting up a three-account flow system within a single-income household, as she juggles daily expenses, investing, and asset ownership alongside her spouse.Chapters:(00:00-00:00) Buffett's retirement and legacy(00:00-00:00) Lessons in passive investing from Buffett’s million-dollar bet(00:00-00:00) Regular vs direct mutual funds: what should you choose?(00:00-00:00) How to protect your finances from family debt(00:00-00:00) Managing money as a single-income householdIf you have financial questions that you’d like answers for, please email us at ⁠mailme@monikahalan.com⁠ If you have financial questions that you’d like answers for, please email us at mailme@monikahalan.comMonika’s book on basic money management⁠⁠https://www.monikahalan.com/lets-talk-money-english/⁠⁠Monika’s book on mutual funds⁠https://www.monikahalan.com/lets-talk-mutual-funds/⁠Monika’s workbook on recording your financial life⁠⁠https://www.monikahalan.com/lets-talk-legacy/⁠⁠Calculators⁠⁠https://investor.sebi.gov.in/calculators/index.html⁠⁠You can find Monika on her social media @monikahalan. Twitter ⁠⁠@MonikaHalan⁠⁠Instagram ⁠⁠@MonikaHalan⁠⁠Facebook ⁠⁠@MonikaHalan⁠⁠LinkedIn ⁠@MonikaHalan⁠Production House: ⁠www.inoutcreatives.com⁠Production Assistant:⁠ Anshika Gogoi
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    23 m
  • Your Financial Toolkit For War

    Your Financial Toolkit For War
    May 1 2025

    A horrific act of terror in Pahalgam last week has shaken the nation, and in this episode, Monika addresses the financial implications of a potential war. While the armed forces are on the frontline, civilians are not immune to the disruption—war impacts all of us, not just emotionally but economically. As the geopolitical climate intensifies, she lays out a clear, calm, and practical financial toolkit to help you prepare: from building an emergency fund to conserving cash, reducing debt, and avoiding risky investments. She also underscores the importance of keeping some cash at home, ensuring insurance coverage is intact, and stocking essentials for at least a month. Whether or not the worst comes to pass, being financially prepared is the most responsible thing you can do right now.

    Monika then simplifies the concept of fiscal policy. Often heard but seldom understood, this key economic tool affects how much the government taxes us and where it spends our money. She breaks it down so you understand how budget decisions today ripple into your financial life over time—from inflation to infrastructure, subsidies to defence. Fiscal policy isn’t just theory; it’s personal.

    In the listener Q&A, Mohanish from Pune asks whether to buy a second home now or wait and invest the funds for a potentially better outcome in the future. Anup from Mysore wonders if he should invest his bonuses in a new mid or small cap fund or stick with his existing ones. Aravinda writes in to clarify if the retirement planning rule of thumb refers to gross or net annual income.


    Chapters:

    (00:31 – 04:27) Preparing Financially for War

    (04:28 – 06:13) What Is Fiscal Policy and Why It Matters

    (06:14 – 11:29) Should I Buy a Bigger House Now or Wait

    (11:30 – 13:40) Where Should I Invest My Bonuses?

    (13:41 – 14:37) How to Calculate Retirement Corpus Milestones


    If you have financial questions that you’d like answers for, please email us at ⁠mailme@monikahalan.com⁠


    Monika’s book on basic money management

    ⁠⁠https://www.monikahalan.com/lets-talk-money-english/⁠⁠


    Monika’s book on mutual funds

    ⁠https://www.monikahalan.com/lets-talk-mutual-funds/⁠


    Monika’s workbook on recording your financial life

    ⁠⁠https://www.monikahalan.com/lets-talk-legacy/⁠⁠


    Calculators

    ⁠⁠https://investor.sebi.gov.in/calculators/index.html⁠⁠


    You can find Monika on her social media @monikahalan.

    Twitter ⁠⁠@MonikaHalan⁠⁠

    Instagram ⁠⁠@MonikaHalan⁠⁠

    Facebook ⁠⁠@MonikaHalan⁠⁠

    LinkedIn ⁠@MonikaHalan⁠


    Production House: ⁠www.inoutcreatives.com⁠

    Production Assistant:⁠ Anshika Gogoi⁠
    Más Menos
    16 m
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