In this episode, we unpack the deeper forces that derail long-term financial consistency. It’s not just about knowledge—it’s about belief, emotion, and behaviour. We discuss:

• Why short-term temptations overpower long-term intentions?
• How emotional disconnect makes us abandon well-meaning plans?
• The hidden influence of childhood money patterns and identity triggers.
• What makes someone stick with a plan—and why another quits halfway?
• Behavioural hacks to build consistency, from micro-actions to meaningful 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.

In this episode, we explore the behavioural psychology behind betting, how it hijacks our decision-making, and why breaking the cycle is so hard. We discuss:

• Why betting apps feel more exciting—and more accessible—than long-term investing?
• How algorithms are designed to reward you just enough to keep you hooked?
• The psychological traps of sunk cost, illusion of control, and herding
• How childhood, income level, and financial stress shape our money risks
• What it really takes to walk away—from self-exclusion to professional help?

*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 this episode, we explore how aviation is becoming a serious investment opportunity—beyond just aircraft ownership—and what you need to know before stepping in. We uncover:

• Why charter plane leasing and fractional ownership are gaining investor interest
• How deep-tech startups are building electric aircraft for urban mobility
• The growing role of drones in agriculture, logistics and defence
• How pilot training and aviation EdTech could become the next big opportunity
• Why EVTOLs (electric vertical takeoff and landing aircraft) are creating an entirely new ecosystem for long-term plays
• 
  

Watch full conversation with Capt. Shivan M Bhagvati : https://youtu.be/CXy-Wj8XKb4?si=qfKpoC-3xftH_y6_

*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 this episode, we dive into the psychology, systems, and temperament that shape how HNIs preserve and grow wealth across decades. We explore:

• Why creating wealth is not the same as preserving it?
• How the ultra-rich plan 30–50 years ahead—often for family members not yet born?
• The emotional side of money—fear, secrecy, social pressure
• How family constitutions keep values and power aligned across generations?
• Why liquidity, not luxury, is often their biggest strategic edge?

Watch full conversation with Munish Randev : https://youtu.be/4a47oKIOoZ4?si=CFhyImuUHIcO6Jts

*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 this episode we speak to experts across finance, health, and longevity to understand how aging is evolving in India. We explore:

• Why most retirees run out of money within 15 years?
• The financial and emotional risks of living longer
• How to plan for 30-40 years of retirement, not just 10 or 15
• Why extending your working years might be the smartest move?
• The growing need to invest in health, not just wealth

Watch full conversation with Jitendra Chouksey: https://youtu.be/e0sRTsRWxDM?si=fmG9hcQRSK_MZuci

Watch full conversation with Upasana Koul: https://youtu.be/v684N5MLajA?si=J-MmppnUqhPrvMwV

*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 this episode we explore how AI is revolutionising personal finance in India?

We dive into:

• How AI is bridging India’s financial literacy and advisory gap
• The rise of AI-powered tools for budgeting and investment decisions
• Why AI can support but not replace human financial advisors
• The role of personality-based finance and real-time personalisation
• Risks around data privacy and unregulated AI tools

Watch full conversation with Sonam Srivastava: https://youtu.be/rrwQ-HdKVkk?si=dKE0nImLrbkvbYwl

*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.

Yet, for something so crucial, money is often the hardest thing to talk about. Couples plan vacations, discuss the future, and set life goals—so why does discussing finances feel so awkward?

In this episode we dive into:

• Why money conversations are so uncomfortable in relationships
• The concept of “money dates” and how couples can structure financial talks
• Common money mistakes couples make—and how to avoid them
• How different financial personalities impact a relationship
• Managing finances as a couple: Should everything be joint or kept separate?

Watch full conversation with Lisa Pallavi Bohra: https://youtu.be/NfQpYlNGv3A?si=2z7aARkyE6qqVNOh

Watch full conversation with Nisha Sanghavi: https://youtu.be/Bf6OyZfHBiY?si=hoK5-DyvwMSldOxx

*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.

But here’s the big question: How do you protect yourself financially before, during, and after a divorce? And what are the biggest money mistakes couples make that leave them vulnerable?

In this episode, we unpack:

• The financial red flags to watch for during a marriage
• How asset division actually works in Indian divorces
• Why financial transparency between partners is non-negotiable
• Essential steps to rebuild your finances after separation
• Real-life stories of financial blind spots that turned into nightmares

Watch full conversation with Aditi Mohoni: https://youtu.be/-Ir0szqH4_s?si=1cKJuu-i-wrY1hQC

*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.

More people, especially in India, are beginning to see art as more than just decoration. But before diving in, it's important to understand how the market works and the risks involved.

In this episode, we explore:

• How art is valued and what drives its price
• The influence of galleries, museums, and collectors on an artist’s market value
• Key factors that separate good investments from emotional purchases
• Emerging trends like fractional ownership, NFTs, and art leasing
• Whether art should be a part of your investment strategy

Watch full conversation with Pratik Sharma: https://youtu.be/PFxVo5jY3Ac?si=w_T8eG2r4ZaJgsYZ

*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.

But here’s the big question: How does financial trauma shape our money habits, and what can we do to break free from it?

In this episode, we explore:

• How past financial experiences influence your decisions today
• The emotional impact of growing up with scarcity or financial instability
• Common money fears and how they manifest in adulthood
• Practical ways to heal financial trauma and build a healthier money mindset

Watch full conversation with Dr. Nitasha Pandey: https://youtu.be/m2bL8UXz0UA?si=_6RyFAeOtTInOg9K

*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 this episode, we explore:

• The driving forces behind India’s credit boom and how it compares to past financial crises
• The shift from corporate to household borrowing and its implications for the economy
• The role of fintech in reshaping India’s lending landscape and the risks of over-leveraging
• Early warning signs of a debt trap and how to avoid falling into one
• The regulatory measures in place to prevent a crisis and whether they’re enough

Watch full conversation with Radhika Pandey: https://youtu.be/8507vYwKYmI?si=YkmASQJlRHnF5YIw

Watch full conversation with Bhavin Patel: https://youtu.be/7AxbRUISzIE?si=d0ZoVtv0SlH1F3ef

*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.

But here’s the big question: Should you invest in US markets? And if so, how do you navigate currency risks, taxation, and the right investment strategies?

In this episode, we break down:

• Why Indian investors are increasingly looking at US equities
• How currency fluctuations impact your global returns
• The behavioral biases driving this investment trend
• Key regulations, tax implications, and the role of Gift City
• Common mistakes to avoid when investing internationally

*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.

Watch full conversation with Devina Mehra: https://youtu.be/lq9gU4zY7aM?si=m__QT_553mR3yZxA

Watch full conversation with Neil Borate: https://youtu.be/6pnK9un7aZI?si=mw3oPQdCIKNyPZf2

But here’s the bigger picture: Why do governments, central banks, and investors continue to trust gold in an era dominated by stocks and cryptocurrencies? And how has gold evolved from a physical asset to digital investments like ETFs and sovereign gold bonds?

In this episode, we break down:

• How gold serves as a hedge against inflation and economic downturns?
• Why central banks are accumulating gold at record levels?
• The psychology behind India’s unwavering faith in gold
• The shift from traditional jewelry to modern gold investment options
• How much gold should actually be in your portfolio?

Watch full conversation with Sachin Kothari: https://youtu.be/buLuCqBWMbs?si=WU09iu2tJuYHND

*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 this episode, we delve into the anxieties and aspirations surrounding retirement in India. We'll explore:

• Retirement Reality: Why are so many unprepared?
• Retirement Products: NPS, PPF, and other options.
• Best Fit: Finding the right products for you.
• Planning Better: Setting goals, budgeting, and investing.

Watch full conversation with Rajani Tandale: https://youtu.be/Nv4QhBsn0AI?si=0oUCfH7WwE2qJOAp

Watch full conversation with Kuldeep Parashar: https://youtu.be/QQdYu66zMr8?si=tkKBru-OhGzUaYne

Watch full conversation with Sriram Iyer: https://youtu.be/H2laCAidZcc?si=_dweY-fRwHffyY

*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.

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.

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 rupees
• The concept of fractional ownership and how it’s transforming the real estate landscape
• A comparison between traditional property ownership and these modern investment tools
• Why 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.

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.

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 Airbnb
• The rapid growth of short-term rentals in India
• Top markets to consider for investment
• The 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.

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.

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 check
• Strategic frameworks to identify promising startups
• Why 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.

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 purchases
• Practical 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.

•  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.

• How to calculate your FIRE number?
• Investment strategies for achieving financial independence
• Emotional and psychological challenges that come with retiring early.

Watch full conversation with Ritesh: https://www.youtube.com/watch?v=XlAm20wLfCQ

Watch 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.

To get an answer of this In this episode, we explored 

The scariest and most common cybercrimes in India

• How even educated individuals get tricked 
• The psychological strategies scammers use to deceive victims
• The 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=UL2y4vTbHgFUwhpf

Watch 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.

People 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.

In 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.

Social 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.

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.

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.

In 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.

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 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.

In 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.

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.

To 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.

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.

In 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.

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.

Have you ever wondered why only a select few consistently make precise decisions in stock investments?

In this episode, we answered this question. 

A proficient investor possesses the ability to thoroughly analyze the performance of a specific company.

Hence, in the first episode, we explored the process of evaluating a company's performance and financial health before committing to an investment. In essence, we delved deep into the fundamental analysis of a company.

We broke down the steps to calculate and understand key metrics like return on equity, debt-equity ratio, and interest coverage ratio.

And also provided an overview of the financial statements, including the profit and loss account, balance sheet, and cash flow statement.

*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 part one, we laid the foundation by understanding the fundamental analysis of the company and delved into the nitty-gritty of how you can guide your investment decisions.

If you haven't checked the part 1 of the episode we highly recommend you to check the first part of the episode before delving into part 2. 

In part 2 we focused on how the management prepares financial statements, navigates fluctuations, upholds investor sentiment, and how you can identify fraudulent activities in financial statements for wiser investment.

*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.

According to the National Bureau of Economic Research, there have been 34 business cycles between 1854 and 2020, with each full cycle lasting roughly 56 months on average.

The 2008 financial crisis and the COVID-19 pandemic in 2020 are more recent examples of bust periods. These cycles are influenced by various factors such as technology, global events, and people's confidence in the economy.

Hence to understand economic cycles better, in the first part of the episode, we discussed factors influencing economic cycles such as inflation, employment figures, trade balances, etc, and the importance of understanding economic principles for financial well-being.

*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 segment of the episode, we explored the factors that shape economic cycles and underscored the significance of comprehending economic principles for one's financial health. If you haven't already, we strongly advise you to listen to part 1 before delving into part 2.

In the second segment, we delved into strategies for navigating economic fluctuations, balancing the opportunities and risks linked to investments during downturns, and the importance of updating job skills alongside personalized financial 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.

Despite challenges in the global commercial real estate market, India has been growing consistently, going against the trend. A report by Mordor Intelligence states that India's Commercial Real Estate Market is currently around $33.62 billion and is expected to reach $87.57 billion by 2028.

This growth is driven by a few factors: India's strong local demand, the availability of good real estate at lower costs, its reputation as a global tech and research hub, and a thriving startup culture.

But how this growth affects regular people like us and how we should plan our investments. In the first part of this, we looked at the state of commercial real estate in India and discussed what factors to consider when investing in this market.

*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 delve into the factors one should consider before venturing into commercial real estate investments. If you haven't listened to Part 1, we highly recommend doing so before proceeding to Part 2.

Now, there are several other ways to invest in commercial real estate without significantly depleting your bank account.

Therefore, in the second part of this episode, we explore new emerging trends in commercial real estate investment, including Real Estate Investment Trusts (REITs) and exit strategies.

*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.

According to the report, the Nifty 50 has yielded a 17.2% return over 20 years, while gold has provided a 12% return.

However, does this imply that gold isn't a suitable investment for you?

In reality, human decision-making extends beyond rationality; emotions, influenced by our values, play a crucial role. Disregarding these values can have serious consequences. Your perception of gold as a secure investment with lower volatility might align perfectly with your preferences. Alternatively, a profound cultural influence may make gold investment significant for you.

Therefore, in Part 1 of the episode, we delved into the Current Gold Scenario in India, discussed Authenticity and Purity, and explored various Ways to Invest in Gold.

*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 discussed whether gold is a good investment for you and the different ways you can invest in it. If you haven't listened to Part 1 yet, we suggest you do before moving on to Part 2.

In part 2, we will deep dive into the dynamics of supply and demand, central bank interventions, inflation, interest rates, geopolitical events, and the influence of the U.S. dollar in shaping the volatility of gold prices.

*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.

A survey by ET Now found that 70% of Indians don't trust their partners when it comes to money and about 26% say their partners keep money matters a secret, leading to arguments.

Money indeed has an important role to play in our relationships. How you and your partner deal with money can either make your bond stronger or bring up challenges that need careful thinking.

So, in the first part of this episode, we discuss about why it's important to have open conversations about managing money and being financially compatible both before and after marriage. We discussed ways to start conversations with your partner about living arrangements, career choices, and future aspirations. We also looked into why it's crucial to set financial goals for starting a family, including planning for maternity and child 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.

In the first part of this episode, we discussed the significance of open conversations on financial compatibility before and after marriage and how you can initiate discussions on living arrangements, career choices, and future aspirations with your partner.

If you haven't checked the first part we highly encourage you to check the part 1. 

In the second segment, we'll explore the impact of past family experiences on behavioral financial mindsets. We'll also delve into effective ways to address differences in financial perspectives and goals. Additionally, we'll discuss how seeking assistance from a third party, such as a financial advisor or therapist, can contribute to establishing financial stability in your marriage.

*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/otep12

Money means different things to different people and how we think about money really matters. Our money mindset influences the choices we make in our careers, the people we choose to be with, and the experiences we have.

A study by Ramsey Solutions revealed that 97% of first-generation millionaires believed in their ability to become millionaires. This mindset, rather than external factors like inheritance or education, propelled them to success.

Hence, in the first part of the episode, we talked about the basics of managing money. We discussed things like how we learn from watching others (Observation, Imitation, and Reinforcement), and we also talked about how what we value and prioritize is crucial for finding both financial well-being and fulfillment.

*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 segment of this episode, we explored the OIR model (Observation, Imitation, and Reinforcement) along with the significance of priorities and values in attaining financial well-being and fulfillment. If you haven't listened to Part 1 yet, we strongly encourage you to do so before diving into Part 2.

In the second part of this episode, we delved into the overview of Money Scripts, discussed The Ocean theory (Openness, Conscientiousness, Agreeableness, Extraversion, Neuroticism), and outlined practical steps for changing one's money mindset.

*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.

A survey conducted by IndiaLends, which involved over 10,000 working women aged 21–65 residing in metropolitan areas suggests that almost 67% of these women still relied on male family members to make financial decisions.

This raises a compelling question: Why is it that a woman, who effortlessly splurges on a 10,000 rupee sandal or doesn't hesitate to purchase a two-lakh rupee handbag, finds herself hesitant or unprepared to make similar decisions regarding financial investments?

In this episode, we engage in conversations with prominent women leaders to delve into the significance of overcoming limiting beliefs and societal expectations.

In the first part, we discussed the necessary steps women must take to achieve financial well-being. We addressed the challenges women encounter in making financial decisions and their tendency to depend on male family members for such choices. We will also explore the underlying causes of these patterns.

*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 delved into the obstacles that women face when making financial decisions, their inclination to rely on male family members for such choices, and the essential steps they should take to attain financial success. If you haven't already, we strongly suggest checking out Part 1 before proceeding to Part 2.

In Part 2, we explored internal narratives concerning women and money, discussed challenges in marketing financial products to women, examined women's hesitancy in financial investments, and highlighted the crucial role men play in narrowing the gender wealth gap.

*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.

The number of Demat accounts rose to 12.7 crore in August 2023, a surge of 26 percent on a yearly basis. In 2020 alone, 1.4 crore new accounts were opened.

Analysts attribute this growth to optimistic market sentiment, anticipated economic expansion, and increased awareness of the benefits of equity investing.

However, data also reveals that in the last fiscal year, a striking 90% of individual traders in the equity futures and options segment experienced losses, averaging Rs 1.25 lakh. This serves as a stark reminder that the stock market while promising financial rewards, doesn't guarantee satisfaction for everyone.

Hence, before embarking on your stock market journey, it's essential to consider key aspects. In the first part of this episode, seasoned analysts share insights on trend analysis, chart interpretation, and managing emotions, drawing from decades of experience that began in their youth.

In part 2 we will dig deeper into what makes successful investors tick. How one can manage risk? How do they tackle the ups and downs of the market?

 *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 segment of this episode, we delved into fundamental and technical aspects of market analysis, the interpretation of charts, and the art of managing one's emotions.

If you haven't already, we strongly recommend listening to part 1 before proceeding to part 2.

To thrive in the market, one must employ effective strategies, tactics, and establish a well-defined game plan. Hence, in part 2, we will explore the factors that drive the success of investors. We will also examine methods for risk management and how they navigate the market's fluctuations, both highs and lows.

*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.

The world of personal loans in India is currently witnessing an unprecedented surge in popularity, with numbers steadily on the rise. In a recent development, the Reserve Bank of India (RBI) issued a warning in October this year concerning the growing prevalence of personal loans. To put this surge into perspective, a report by the Indian Express revealed that the total credit extended to this segment reached a staggering Rs 47.70 lakh crore in August 2023, a significant increase from Rs 36.47 lakh crore in August 2022.

So, what's driving this remarkable surge, and how do personal loans differ from other types of borrowing?

In the first part of this episode, we will explore the importance of understanding the intricacies of personal loans and examine the rise of peer-to-peer lending as an alternative source of personal financing. 

 *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 Part 1 of the episode, we delved into the impact of online platforms and P2P lending. If you haven't already, we recommend checking out Part 1.

In part 2 explores the role of credit history, credit reports, and credit scores in building trust based on a borrower's financial track record. Additionally, we will highlight key considerations for borrowers, such as interest rates, eligibility criteria, and potential fees and penalties when weighing the pros and cons of personal loans.

 *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.

Therefore, in this episode of Temperament by 1 Finance we will explore various types of insurance coverage for various emergencies. In part 1, we will delve into the nuances of insurance and the crucial role it plays in mitigating unforeseen uncertainties.

*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.

Now, in Part 2, we're going even deeper into the world of insurance. We'll cover life insurance, term insurance, and other types of plans that help protect your family's future. Plus, we'll break down complex jargon often associated 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.

In Parts 1 and 2, we delved into the insurance landscape, covering life insurance, term insurance, and various plans that secure your family's future. If you haven't had the chance to catch up on these discussions, we strongly recommend you check Part 1 and Part 2.

Now, in part 3, we'll delve into less-discussed insurance types, including home insurance, vehicle insurance, cyber insurance, professional indemnity insurance, and third-party liability insurance. Additionally, we'll take a closer look at the emotional and cognitive factors that heavily influence our insurance decisions.

*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.

For example, a report from Edelweiss Asset Management says that in India, about 140 million people have invested in mutual funds, with each person typically putting around three thousand rupees a month into four different funds. Surprisingly, about 67% of this money ends up going into just the top 50 companies.

So, even though people try to spread their money across different funds, it often ends up in the same place.

In the first part of this episode, we will talk about the benefits of becoming a financial minimalist. We will explain what it means and why you might end up in this financial mess.

For tips on how to simplify your investments and be a financial minimalist, check out part 2 of this episode.

*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.

In the first part of this episode, we talked about the benefits of a financial minimalist approach. We also shared insights on what it means and why you might end up with a financial mess. If you haven't already, do check out the first part to understand financial minimalism better.

In this second part, we'll look at practical ways to make your investments simpler and embrace financial minimalism.

*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.

We're in a world where you can buy things just by swiping a card, and for those without cards schemes like Buy Now, Pay Later (BNPL) are readily available to help you out. However, the reality is not as promising as it may seem.

Currently, there are 85 million credit cards in the hands of Indian citizens. According to an RBI report, credit card debts have exceeded a substantial 2 trillion rupees in India. This number undeniably calls for attention.

In this episode of Temperament by 1 Finance, we've gathered industry experts to provide guidance on these payment options. You will know about the hidden charges these cards and payment methods have and practical tips on how you can use them wisely.

Check part 2 of this episode to learn about a comprehensive analysis of BNPL Schemes and how you can leverage reward points through your credit card with the right behavior.

*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.

In part 2 of this episode, we are diving into a comprehensive analysis of Buy Now, Pay Later Schemes with our experts. Also, we will uncover how you can successfully acquire and leverage reward points through your credit card.

In part 1 of this episode, we discuss how these credit schemes have hidden charges. You'll also get insights on using credit cards wisely in your favor.

*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.

Based on the findings of India's Personal Finance Pulse, which examined the income, savings, investments, and spending habits of Indian households, it was revealed that approximately 69% of households in India face financial insecurity and vulnerability.

Now, what does this data reveal, and why is it important?

Well, our financial decisions are typically not made in haste. We usually plan carefully and set financial goals. However, we often fall short of achieving them, and the above data just reveal the same

So, how can we actually reach our financial goals and financial security?

In this episode, we'll delve into the details of these questions and explore the intricacies of achieving financial success.

*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.

Did you know as per the Economic Times report, there are around 82,000 crore rupees lying in unclaimed bank accounts, life insurance, mutual funds, and PF?

Moreover, Daksh, the NGO that analyses the performance of the judiciary, reports that property and family disputes account for 76% of court cases.

This data highlights the fact that, even in this modern era, many of us remain uninformed about how to manage our hard-earned wealth. While we often think and plan for the security of our wealth while we are alive, we tend to neglect to consider what will happen to it once we depart from this world.

In this episode, we delve into the intricacies of estate planning, shedding light on its complexities, and providing essential guidance on steps to protect and preserve our wealth for future generations.

*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.

Global debt has reached an astonishing $307 trillion in the second quarter of 2023. Surprisingly, this surge persists despite the tightening grip of rising interest rates on bank credit, with countries like the United States and Japan leading the charge, as reported by the Institute of International Finance (IIF).

So, why is this number rising?

There could be several reasons but we cannot deny the fact that we are living in a world where building anything substantial requires a loan. Moreover, We're constantly surrounded by the allure of shiny new possessions, and the convenience of credit cards and readily available loans only makes it easier to succumb to these temptations. Gradually, we find ourselves sinking deeper into debt, often to the point of feeling utterly lost.

In this episode of "Temperament" by 1 Finance, we delve into the depths of debt psychology. We'll hear from leading behavioral scientists and credit experts, gaining insights into the intricate emotional and psychological forces that lead us to swipe our cards and embrace debt. Moreover, we'll uncover invaluable financial strategies to guide us back onto the path of financial stability. Join us as we explore the complex world of debt and discover how to navigate it successfully.

*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.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep2

The Challenger, Gray, and Christmas Report reveals a staggering 315% increase in job losses until May 2023 compared to last year, impacting a total of 417,500 individuals globally. With a multitude of data reflecting the job loss landscape, the picture doesn't look promising. In these uncertain times, job security is a concern. So, how can we deal with it?

In this episode, we're delving into these questions. We'll share stories of individuals who triumphed over job loss and income disruption, along with insights from financial experts to guide you through safeguarding your finances. Additionally, we'll explore the psychological side of things, shedding light on how our minds operate during such challenges and offering valuable coping strategies.

*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.

A home isn't only walls and a roof – it's where your hopes and dreams live. But today, a big question is: Should you rent a house or buy one? People have been talking about this for a really long time, and now, with so much information, we sometimes feel stuck trying to figure it out. When we decide about money, we usually look at numbers, but is that all we should think about? Or does psychology also influence our decisions?

In this episode we're bringing in experts who know about money and experts who know about how our minds work, to help you take decisions that suits your present and future 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.

From dreams of grand houses to retail therapy addiction, from saving for emergencies to securing a brighter future for your child, each personal financial goal becomes a unique compass guiding your money journey.

In this new podcast, join host Ashish Chawla, a financial expert and a researcher of human behavior, and explore the quirky, absurd, and fascinating ways our brains influence our financial decisions.

Discover the secrets behind making smart money choices and decode the mind games that challenge your financial mojo. Tap into the wisdom of India's sharpest minds – psychologists, economists, financial experts, and brain scientists – offering advice based on deep research, trend analysis, and years of experience.

Don't miss out! Subscribe for weekly episodes of Temperament by 1 Finance. This is where Money Meets Mind!

Temperament is brought to you by 1 Finance and Produced by WYN Studio.

*Disclaimer: Investments in 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.