Temperament: Money, Mind & Emotions

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Temperament: Money, Mind & Emotions

After an incredible first season, Temperament is back with Season 2, and we’re taking things to the next level! In this season, we dive even deeper into the emotional and psychological dynamics behind financial decision-making. How do our behaviors, mindsets, and emotions shape our financial lives? Tune in for insightful conversations with leading experts in wealth management, psychology, fintech, and investing, who bring both practical strategies and a human touch to the world of finance. And that’s not all! We’re turning Temperament into a video podcast! Catch exclusive video interviews on our YouTube channel, while our popular narrative-style episodes continue on Spotify and other audio streaming platforms.

  1. Weddings in India – The financial dimensions

    12 HR. AGO

    Weddings in India – The financial dimensions

    The Indian wedding industry is worth a jaw-dropping $130 billion—double the size of the U.S. wedding market and nearly 1.5 times the GDP of Sri Lanka. With over one crore weddings happening annually, the average family spends twice as much on a wedding as on education, showcasing the cultural and emotional significance of these grand celebrations. But here’s the question: How do you balance creating the wedding of your dreams with financial security, especially when unexpected costs can quickly spiral out of control? In this episode, we tried to understand the financial dimensions of Indian weddings and discuss: The cost spectrum of Indian weddings, from ₹30 lakhs to ₹35 crores.Emotional and social pressures that drive overspending.Real-life budgeting challenges and surprises.How inflation has tripled wedding costs in recent years.Smart post-wedding financial planning tips. Watch full conversation with Pratik:https://youtu.be/E5LPpIdj-o4?si=LHoJ17VgrwPZEsvF *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.

    24 min
  2. Understanding alternative real estate: Exploring REITs and beyond

    JAN 9

    Understanding alternative real estate: Exploring REITs and beyond

    Have you ever imagined owning a share of a premium commercial property in a bustling corporate hub—earning steady income without shelling out hundreds of crores upfront? What if we told you this isn’t just a far-fetched dream? Picture yourself owning a piece of an iconic skyscraper or reaping dividends from India's most coveted real estate, all without the hassle of managing tenants, dealing with maintenance, or shouldering massive costs. Sounds enticing, doesn’t it? Welcome to the world of alternative real estate investments—a revolutionary space making premium properties accessible through innovations like REITs and fractional ownership. In this episode of Temperament, we dive into: How REITs are democratizing real estate by allowing you to invest with just a few thousand rupeesThe concept of fractional ownership and how it’s transforming the real estate landscapeA comparison between traditional property ownership and these modern investment toolsWhy alternative real estate investments are gaining traction and what they mean for you as an investor Watch the full conversation with Shiv Parekh: https://youtu.be/oWqY75h2uIM?si=FEJ99RoixrPclzyd Watch the full conversation with Ashish Khandelia: https://youtu.be/k5LgAUhV-eA?si=HOruvdQ1J017HBWN *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.

    30 min
  3. How the macroeconomy shapes your wealth?

    12/28/2024

    How the macroeconomy shapes your wealth?

    The price of everything you buy—the chai you sip, the gas you fill, the stocks you invest in—isn’t just about supply and demand. It’s part of a much bigger web of forces at play, one we often hear about but rarely stop to understand: macroeconomics. Think about it. When inflation rises, your money buys less. When GDP grows, it could mean more jobs and higher incomes. And when the government shifts policies, your taxes, investments, and even daily expenses can take a hit. These aren’t just numbers—they’re signals shaping your everyday life. Hence, in this episode of temperament we explored What inflation really costs you?Why government policies matter more than you think?How India’s bold vision of becoming a developed country by 2047 could rewrite the rules of the game. Listen to full conversation with Ankita Pathak: https://youtu.be/Xljd6Hs3tc8?si=iT34todvQLkhzABn Listen to full conversation with Navneet Munhot: https://youtu.be/zANtCxxY4rM?si=7zh9ma-5Uq71nRcM Listen to full conversation with Niket Shah : https://youtu.be/5MjY1EbMBRI?si=mfVxFDAbFIA3GxWw *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.

    26 min
  4. Investing in Airbnb: A smart move or risky bet?

    12/19/2024

    Investing in Airbnb: A smart move or risky bet?

    Short-term rentals have emerged as a popular avenue for passive income, with India becoming a key player in this trend. According to Amanpreet Bajaj, Airbnb India’s General Manager, the country is one of Airbnb’s fastest-growing markets. In 2023 alone, Airbnb saw a 30% increase in nights booked across India, with domestic bookings skyrocketing by 110%. As Indians embrace travel and look for stays that combine comfort with unique experiences, short-term rentals are booming. But is running an Airbnb or a short-term rental as straightforward as it seems? In this episode of Temperament, we dive into: The challenges of starting and managing an AirbnbThe rapid growth of short-term rentals in IndiaTop markets to consider for investmentThe costs, returns, and profitability of short-term rentals Watch the full conversation with Amit: https://youtu.be/uCzfGf8n7_o?si=HZNUc-2Q7WuT-IKV Watch the full conversation with Rafique: https://youtu.be/d_yxRKXt2CI?si=dUq0bKAgc2DF6X8a *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.

    29 min
  5. Winning the mutual fund game: Insights from top investors

    12/13/2024

    Winning the mutual fund game: Insights from top investors

    "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 discussed Why 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_NnsJXn63y0aOl Watch 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.

    31 min
  6. How angel investing works?

    11/14/2024

    How angel investing works?

    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 Watch full conversation with Anirudh: https://youtu.be/5ttcZG0Ti4o?si=0GVtkAxN53EHIv5h Watch full conversation with Arjun: https://youtu.be/XyvK_qg8P08?si=iyTGj1-bqAMo1KtI *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.

    38 min
  7. Why do we use retail therapy as our coping mechanism?

    11/07/2024

    Why do we use retail therapy as our coping mechanism?

    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 finances Watch 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.

    29 min
  8. Dubai real estate: Is it worth the hype?

    10/31/2024

    Dubai real estate: Is it worth the hype?

    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 Watch full conversation with Chintan Vasani: https://youtu.be/uj78UYwiOgg?si=cUkg534dD5k9a-6h *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.

    23 min
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After an incredible first season, Temperament is back with Season 2, and we’re taking things to the next level! In this season, we dive even deeper into the emotional and psychological dynamics behind financial decision-making. How do our behaviors, mindsets, and emotions shape our financial lives? Tune in for insightful conversations with leading experts in wealth management, psychology, fintech, and investing, who bring both practical strategies and a human touch to the world of finance. And that’s not all! We’re turning Temperament into a video podcast! Catch exclusive video interviews on our YouTube channel, while our popular narrative-style episodes continue on Spotify and other audio streaming platforms.

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