Moneywise

Moneywise
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Most financial advice still sounds like it’s stuck in a textbook. Moneywise flips that. This podcast brings together a Millennial and a Gen Z voice for honest, jargon-free conversations on all things personal finance, from your salary and SIPs to your insecurities about not having “figured it out” yet. Each month, we focus on one financial topic and unpack it through a series of short, weekly, engaging episodes. It’s a podcast that meets you where you are and helps you move forward, one episode at a time. Continuing the tradition of initiatives and campaigns that motivate, guide, and educate Indians about financial wisdom and wealth creation, we bring you MoneyWise - a podcast series that connects with investors and simplifies the important aspects of investment. We reached out to the average Indian investor through our successful short films like Bachat Nivesh Badhat, One Idiot, and Return of One Idiot to educate the public about the importance of savings and long-term investments for financial growth and security. Our landmark campaigns like #DateyRaho and #PaisonKoRokoMat have educated millions successfully about the power of investing. MoneyWise is about how the average Indian can create wealth in his/her life. Our podcasts simplify tried-and-tested investment wisdom and opportunities for wealth creation in Indian financial markets. This will answer your questions on how you can utilize this information to create your own wealth.

  1. JAN 31

    10 Common Investing Mistakes To Avoid | Investing Basics For Beginners

    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 experience Chapters: 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 Recap Whether 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.

    9 min

  2. JAN 23

    Who is a fund manager and what are the responsibilities of a fund manager?

    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 way Chapters: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 managers This 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.

    8 min

  3. JAN 19

    Mutual Fund Tax Explained | Long-Term vs Short-Term Capital Gains

    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 decisions If 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.

    9 min

  4. JAN 14

    What Is Goal-Based Investing Through Mutual Funds for Money Management

    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 SIP Timestamps 0:00 – 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-negotiable If 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.

    8 min

  5. JAN 7

    What is Portfolio Rebalancing, and How To Rebalance a Mutual Fund Portfolio?

    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

    11 min

  6. 12/26/2025

    Diversification in Mutual Funds: The Mistake Most Investors Make Mutual Funds

    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

    10 min

  7. 12/19/2025

    Risk and Return Trade-Off: The Physics of Investment

    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

    15 min

  8. 12/12/2025

    Index Funds For Beginners Simplified!

    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 Recap If 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.

    12 min
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About

Most financial advice still sounds like it’s stuck in a textbook. Moneywise flips that. This podcast brings together a Millennial and a Gen Z voice for honest, jargon-free conversations on all things personal finance, from your salary and SIPs to your insecurities about not having “figured it out” yet. Each month, we focus on one financial topic and unpack it through a series of short, weekly, engaging episodes. It’s a podcast that meets you where you are and helps you move forward, one episode at a time. Continuing the tradition of initiatives and campaigns that motivate, guide, and educate Indians about financial wisdom and wealth creation, we bring you MoneyWise - a podcast series that connects with investors and simplifies the important aspects of investment. We reached out to the average Indian investor through our successful short films like Bachat Nivesh Badhat, One Idiot, and Return of One Idiot to educate the public about the importance of savings and long-term investments for financial growth and security. Our landmark campaigns like #DateyRaho and #PaisonKoRokoMat have educated millions successfully about the power of investing. MoneyWise is about how the average Indian can create wealth in his/her life. Our podcasts simplify tried-and-tested investment wisdom and opportunities for wealth creation in Indian financial markets. This will answer your questions on how you can utilize this information to create your own wealth.

Information

  • Creator
    Moneywise
  • Years Active
    2021 - 2026
  • Episodes
    76
  • Rating
    Clean
  • Copyright
    © Bandhan AMC

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