Episodios

  • Financial Strategies for a Smooth Divorce Settlement | Ft. Nita Shivdasani Bhambhani

    Financial Strategies for a Smooth Divorce Settlement | Ft. Nita Shivdasani Bhambhani
    May 22 2025
    Divorce is not just an emotional upheaval—it’s also a major financial transition. From dividing assets and negotiating settlements to securing financial independence, managing money during a divorce can be overwhelming. Without proper planning, many individuals, especially women, find themselves financially vulnerable post-divorce.In this episode, we sit down with Nita Shivdasani Bhambhani is the Managing Director- HERitage and client origination at Waterfield Advisors with 18+ years of banking experience. Today, she’s here to discuss how to navigate the financial complexities of divorce with confidence and clarity.Here’s what we covered:Key financial steps to take before, during, and after divorce.How to ensure a fair division of assets and protect your wealth.Understanding alimony, child support, and financial settlements.Common financial mistakes in divorce and how to avoid them.Timestamps:0:00 Introduction01:07 Mistakes in asset division03:32 Financial cost of divorce04:53 Preparing financially for divorce06:14 Financial records for divorce07:57 Tax implications in asset division09:09 Structuring settlements to reduce tax11:56 Dividing business assets14:02 Financial preparation with children14:58 Financial support from both partners15:15 Managing debt during divorce16:54 Reassessing financial goals post-divorce19:29 Impact of new relationships20:48 Business involvement with family21:39 Ensuring fairness for men in divorce23:33 Prenuptial agreements in India24:20 Religious grounds and divorce24:44 Retirement planning post-divorce26:20 Real-life financial case examples28:11 Amicable divorces and financial strain29:03 Checklist for divorce succession planning30:05 Divorce patterns and trends31:26 Dividing immovable properties32:35 Inheritance and ancestral property33:19 Questions to ask financial advisors35:36 Key takeawaysDisclaimer: This content is provided for educational and informational purposes only. The views expressed by our guests reflect their personal opinions and experiences. Our intent is not to defame or cause harm to any individual, entity, brand, or product mentioned. We aim to offer insights that empower our audience to make well-informed decisions. Viewers should consider their unique circumstances and consult with qualified financial professionals when necessary before acting on any information presented in this video.Guest Social Media:Linkedin: / nita-shivdasani-bhambhani-81a321217 Waterfield Advisors:Instagram - @waterfieldadvisorsTwitter - @WaterfieldHQLinkedIn - / waterfieldadvisors To Know More, follow us on:YouTube: https://www.youtube.com/@PersonalFinanceTVofficialInstagram: https://www.instagram.com/personalfinancetv/LinkedIn: https://www.linkedin.com/company/personal-finance-tv/𝕏 (Twitter): https://x.com/PFTV_official
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    37 m
  • Developers' BIGGEST Secret for Profitable Projects | Ft. Pratik Kataria

    Developers' BIGGEST Secret for Profitable Projects | Ft. Pratik Kataria
    May 18 2025
    Real estate isn’t just about owning property; it’s about building wealth, securing aspirations, and adapting to changing market dynamics. In our latest episode, we had an insightful conversation with Pratik Kataria, Director - Sainath Developers, to explore the opportunities and challenges in India's real estate market. 💡 Here’s what we discussed:-The importance of infrastructure, location, and thorough documentation when investing in real estate.-Emerging trends like fractional ownership and REITs, making real estate investments more accessible.-How Tier 2 and Tier 3 cities are shaping up as the next big real estate opportunities.-The evolving psychology of real estate investors and the role of customer knowledge in decision-making.Whether you're a first-time investor or a seasoned one, this episode is packed with actionable insights to help you navigate the real estate landscape.🎧 Watch the episode now and share your thoughts on investing in real estate!#RealEstate#InvestSmart#FractionalOwnership#REITs#WealthCreation Timestamps:0:00 - Introduction 01:01 - Psychology of Builders 02:50 - Key Factors Influencing Real Estate Pricing 04:53 - Regulatory Approvals in Real Estate 07:53 - Myths About Real Estate Investments 09:36 - Factors to Consider Before Investing in Real Estate12:17 - Land as an Investment Avenue 13:54 - Risk Factors in Land Investments 14:31 - Psyche of Younger Buyers 17:04 - How Builders Align Projects With Their Financial Needs18:20 - Opportunities in Micro Markets 20:54 - Key Takeaways Disclaimer: This content is provided for educational and informational purposes only. The views expressed by our guests reflect their personal opinions and experiences. Our intent is not to defame or cause harm to any individual, entity, brand, or product mentioned. We aim to offer insights that empower our audience to make well-informed decisions. Viewers should consider their unique circumstances and consult with qualified financial professionals when necessary before acting on any information presented in this video. Guest Social Media:Linkedin: https://www.linkedin.com/in/pratik-ka... Instagram: / pratikkkataria Twitter: https://x.com/pkkataria Facebook: / pkkataria To Know More, follow us on: YouTube: https://www.youtube.com/@PersonalFinanceTVofficialInstagram: https://www.instagram.com/personalfinancetv/LinkedIn: https://www.linkedin.com/company/personal-finance-tv/𝕏 (Twitter): https://x.com/PFTV_official
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    22 m
  • Secret Investment Strategies of Indian Billionaires (ft. HNI Wealth Manager) | Munish Randev

    Secret Investment Strategies of Indian Billionaires (ft. HNI Wealth Manager) | Munish Randev
    May 15 2025
    We often find ourselves fascinated by the lifestyles of the ultra-wealthy, wondering what they know about money that we don’t. Their ability to grow wealth consistently, while many of us struggle to manage our portfolios, raises questions about their unique financial habits, strategies, and outlook on money. To gain insights into the mindset and strategies of High Net Worth Individuals (HNIs), we spoke with Munish, founder and CEO of a renowned family office advisory, who brings decades of experience from leading roles at ABN Amro and Waterfield Advisors. With over 20 years in the field, Munish has guided more than 100 families, managing assets exceeding 35,000 crores.In this episode, we dive deep into:-The HNI perspective on money-Their investment philosophies-The crucial role of family offices in wealth management-Practical steps retail investors can take to grow their portfoliosTimestamps0:00 - Introduction1:11 - How much money does Munish’s firm manage?3:22 - Minimum wealth required to consult with family offices5:04 - HNIs and UHNIs’ relationship with money12:08 - Munish’s strategy for allocating a pool of money22:55 - Where do HNIs and UHNIs invest?24:03 - Insights into HNIs' financial strategies26:36 - Who makes investment decisions within HNI families?30:07 - More insights into HNIs’ financial practices33:04 - Common mistakes HNIs makeDisclaimer: This content is provided for educational and informational purposes only. The views expressed by our guests reflect their personal opinions and experiences. Our intent is not to defame or cause harm to any individual, entity, brand, or product mentioned. We aim to offer insights that empower our audience to make well-informed decisions. Viewers should consider their unique circumstances and consult with qualified financial professionals when necessary before acting on any information presented in this video.Guest social Media:LinkedIn: https://www.linkedin.com/in/munishran...Instagram: / munishrandev Twitter: https://x.com/munishrandevTo Know More, follow us on:YouTube: https://www.youtube.com/@PersonalFinanceTVofficialInstagram: https://www.instagram.com/personalfinancetv/LinkedIn: https://www.linkedin.com/company/personal-finance-tv/𝕏 (Twitter): https://x.com/PFTV_official
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    36 m
  • Why Your Relationship With Money Is Broken | ft. Dr. Sagneet Kaur

    Why Your Relationship With Money Is Broken | ft. Dr. Sagneet Kaur
    May 11 2025
    Financial trauma is real — and it affects more of us than we realise. In this insightful conversation, we speak to Dr. Sagneet Kaur, Senior Vice President - Behavioural Finance and Consumer Insights at PGIM Asset Management, to uncover the hidden psychological and emotional effects of financial trauma.We explore:-What is financial trauma and how does it show up in everyday life?-How childhood experiences and family dynamics shape our money mindset?-The vicious cycle of financial avoidance, overspending, and scarcity mindset.-How does financial bullying and abuse quietly affect relationships?-The direct link between financial trauma and mental health conditions like anxiety, depression, and even PTSD.-Why is financial wellness at the workplace crucial — and how can employers help?-Practical steps to heal from financial trauma, including professional help, budgeting rules, and overcoming biases.Timestamps:0:00 Introduction01:19 What is financial trauma?02:33 Examples of financial trauma05:43 Signs of financial trauma08:13 Financial trauma in India10:30 Childhood and financial trauma16:41 Society’s role in financial trauma18:41 Financial bullying explained22:48 Mental health impact23:59 Steps to overcome financial trauma32:50 Role of financial institutions36:15 Key takeawaysDisclaimer: This content is provided for educational and informational purposes only. The views expressed by our guests reflect their personal opinions and experiences. Our intent is not to defame or cause harm to any individual, entity, brand, or product mentioned. We aim to offer insights that empower our audience to make well-informed decisions. Viewers should consider their unique circumstances and consult with qualified financial professionals when necessary before acting on any information presented in this video.Guest Social Media:LinkedIn: / sagneet-kaur-550395117 Instagram: https://www.instagram.com/moneymindse...Facebook: https://www.facebook.com/share/1CoUJ3...To Know More, follow us on:YouTube: https://www.youtube.com/@PersonalFinanceTVofficialInstagram: https://www.instagram.com/personalfinancetv/LinkedIn: https://www.linkedin.com/company/personal-finance-tv/𝕏 (Twitter): https://x.com/PFTV_official
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    38 m
  • Mumbai's insane housing crises explained | Ft. Rafique Merchant

    Mumbai's insane housing crises explained | Ft. Rafique Merchant
    May 8 2025
    Mumbai is one of the most expensive cities in India, especially in the real estate market. Young Mumbaikars often need nine times their annual salary to afford a home, and the shrinking size of houses further complicates the challenge. In this episode, we sit down with Rafique Merchant, one of Mumbai's leading real estate influencers on social media, known for his deep insights into the city's property market.We discussed:-Why is Mumbai's real estate so costly?-The shrinking size of homes in Mumbai and its impact.-Is Airbnb investment a good option in Mumbai?-Key insights into the city's housing market and investment opportunities.Timestamps:0:00 - Intro0:55 - Why Mumbai Is Expensive2:35 - Premiums Developers Pay3:53 - Making Mumbai Affordable5:04 - Returns: Mumbai vs Other States8:27 - Real Estate Demand in Andheri10:02 - Is Airbnb a Good Investment in Mumbai?11:38 - Factors for Airbnb Investment14:05 - Common Airbnb Investment Mistakes15:30 - Real Estate Sectors Driving GDP17:24 - Shrinking Home Sizes in Mumbai21:44 - Key TakeawaysDisclaimer:This content is provided for educational and informational purposes only. The views expressed by our guests reflect their personal opinions and experiences. Our intent is not to defame or cause harm to any individual, entity, brand, or product mentioned. We aim to offer insights that empower our audience to make well-informed decisions. Viewers should consider their unique circumstances and consult with qualified financial professionals when necessary before acting on any information presented in this video.Guest Social Media:Instagram: https://www.instagram.com/rafiquemerc...LinkedIn:https://www.linkedin.com/in/rafique-m...Twitter: https://x.com/rafiquemerchantFacebook: / rafique.teli.3 To Know More, follow us on:YouTube: https://www.youtube.com/@PersonalFinanceTVofficialInstagram: https://www.instagram.com/personalfinancetv/LinkedIn: https://www.linkedin.com/company/personal-finance-tv/𝕏 (Twitter): https://x.com/PFTV_official
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    23 m
  • AI is Revolutionizing Investment and Savings - Here's the PROOF! | ft. Sonam Srivastava

    AI is Revolutionizing Investment and Savings - Here's the PROOF! | ft. Sonam Srivastava
    May 4 2025
    Artificial Intelligence is revolutionizing the personal finance landscape. From budgeting and financial planning to investment management and insurance, AI is making processes faster, smarter, and more accessible for individuals and professionals alike.But there are major questions to address: Will AI replace financial advisors? And how safe is it when it comes to data privacy?In this episode, we explore these critical topics with Sonam Srivastava, the founder of Wright Research, a SEBI-registered Robo-advisor and Portfolio Management Service in India.We discussed:-How AI tools are transforming budgeting, financial planning, and portfolio management.-The role of AI and machine learning at Wright Research to make data-driven investment decisions.-Privacy and security concerns with AI tools and how to mitigate risks.-The future of AI in personal finance and why human expertise remains indispensable.Timestamps:0:00 - Introduction 01:04 - How is AI changing the personal finance landscape?02:22 - Are people actually using AI for financial planning?03:45 - How does Wright Research use AI? 05:29 - How can AI help you budget your finances? 06:43 - How can financial advisors leverage AI for financial planning? 07:38 - How do algorithms impact financial data? 08:41 - Privacy concerns with AI in finance09:20 - AI tools for financial planning 10:11 - How can AI transform the insurance sector? 11:34 - How are robo-advisors managing portfolios? 12:26 - The role of blockchain in finance13:36 - The future of generative AI in financial planning14:59 - How does AI consider behavioral aspects in financial planning? 16:16 - How can we integrate AI for better financial planning? 16:49 - How can you use AI for insurance? 18:19 - Concerns with using AI tools for financial planning 19:28 - Key takeaways Disclaimer: This content is provided for educational and informational purposes only. The views expressed by our guests reflect their personal opinions and experiences. Our intent is not to defame or cause harm to any individual, entity, brand, or product mentioned. We aim to offer insights that empower our audience to make well-informed decisions. Viewers should consider their unique circumstances and consult with qualified financial professionals when necessary before acting on any information presented in this video.Guest Social Media:LinkedIn: https://www.linkedin.com/in/sonam-sri...Instagram: / sonaam1234 Twitter: https://x.com/Sonaam1234To Know More, follow us on: YouTube: https://www.youtube.com/@PersonalFinanceTVofficialInstagram: https://www.instagram.com/personalfinancetv/LinkedIn: https://www.linkedin.com/company/personal-finance-tv/𝕏 (Twitter): https://x.com/PFTV_official
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    21 m
  • How a Woman Lost ₹1 Crore in a Shocking Dating Scam? | ft. Nirali Bhatia | Cyber Psychologist

    How a Woman Lost ₹1 Crore in a Shocking Dating Scam? | ft. Nirali Bhatia | Cyber Psychologist
    May 1 2025
    It’s shocking how even educated, tech-savvy individuals can fall victim to cyber financial frauds. Despite being familiar with the online world, many still get tricked. Why does this happen, and what methods do criminals use to manipulate their targets? In this episode of Temperament, we dive into the psychology behind cyber scams with renowned expert Nirali Bhatia. Discover why people fall for romance scams, how teenagers are drawn into financial traps, and the psychological tricks used to deceive victims. Plus, get actionable tips on how to protect yourself from these online threats.Timestamps:0:00 - Introduction 1:51 - What are Romance Scams?5:22 - How much money people have lost in these scams?6:11 - Trick Scammers Use to Fool You9:22 - Types of Cyber Criminals9:54 - Interesting Case of Cyber Crime12:55 - Does Revictimization happen a lot?13:49 - Why do people fall for these Financial Frauds?20:17 - What is Cyber Bullying?22:31 - How to overcome the anguish of a financial scam?25:25 - Useful Tricks to Protect Us From Financial Scams?Disclaimer: This content is provided for educational and informational purposes only. The views expressed by our guests reflect their personal opinions and experiences. Our intent is not to defame or cause harm to any individual, entity, brand, or product mentioned. We aim to offer insights that empower our audience to make well-informed decisions. Viewers should consider their unique circumstances and consult with qualified financial professionals when necessary before acting on any information presented in this video.Guest social Media:LinkedIn: https://www.linkedin.com/in/nirali-bh...Instagram: https://www.instagram.com/nirali_bhat...Twitter: https://x.com/bhatianiraliFacebook: / nirali.bhatia To Know More, follow us on:YouTube: https://www.youtube.com/@PersonalFinanceTVofficialInstagram: https://www.instagram.com/personalfinancetv/LinkedIn: https://www.linkedin.com/company/personal-finance-tv/𝕏 (Twitter): https://x.com/PFTV_official
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    29 m
  • How to Plan Retirement? | Personal Finance Expert reveals retirement planning options

    How to Plan Retirement? | Personal Finance Expert reveals retirement planning options
    Apr 27 2025
    According to SOCI India's age pyramid, 25 crore people aged 40-55 are set to retire in the next 15 years, with 5 crore individuals aged 55-59 expected to retire within 2-4 years. This staggering shift will reshape the workforce, economy, and the way families plan for financial independence.In this episode, we sat down with Rajani Tandale, Senior Vice President - Mutual Fund at 1 Finance, who brings over 15 years of experience in mutual fund advisory. We discussed:-The challenges of retirement planning.-Strategies to build a sustainable corpus using different retirement products like NPS, PPF, and EPF.-How to make smart investment decisions to ensure financial security in your golden years. Timestamps:0:00 - Intro00:55 - Why Do We Procrastinate Retirement?02:17 - Prioritizing Retirement Planning03:20 - Importance of Self-Reliance04:35 - Best Time to Start06:35 - Corpus at 35 (NPS, PPF, Mutual Funds)09:28 - Risk-Averse Strategies10:35 - High-Risk Strategies11:04 - Managing NPS Risks12:22 - Handling Market Volatility13:15 - Deciding Corpus Size14:08 - Adjusting for Lifestyle Changes15:11 - Tax Benefits and Corpus16:13 - Literacy Gap in Planning17:32 - Lock-In Period Concerns18:57 - Key TakeawaysDisclaimer: This content is provided for educational and informational purposes only. The views expressed by our guests reflect their personal opinions and experiences. Our intent is not to defame or cause harm to any individual, entity, brand, or product mentioned. We aim to offer insights that empower our audience to make well-informed decisions. Viewers should consider their unique circumstances and consult with qualified financial professionals when necessary before acting on any information presented in this video.Guest Social Media:LinkedIn: https://www.linkedin.com/in/rajani-ta...Twitter: https://x.com/rajanitandale1?lang=enInstagram: https://www.instagram.com/rajanitanda...To Know More, follow us on:YouTube: https://www.youtube.com/@PersonalFinanceTVofficialInstagram: https://www.instagram.com/personalfinancetv/LinkedIn: https://www.linkedin.com/company/personal-finance-tv/𝕏 (Twitter): https://x.com/PFTV_official
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    20 m
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