Moneywise

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Mar 2026

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

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March 3, 2026Episode 288 min

Factor Investing Implementation: How To Build A Practical Multi-Factor Portfolio?

Still confused about how multi-factor portfolios work in practice? In this finale episode of Moneywise, we move from concepts to understanding real-world application, and explore the practical aspects of multi-factor model portfolio management. We explain how different factors can be combined into a structured investment framework through a step-by-step explanation. In this episode, we break down: • How multi-factor portfolios are structured in practice • The role of multi-factor model portfolio management in balancing different market behaviours • How momentum and size factors are used within investment frameworks • Common mistakes seen in factor-based investing approaches • How factor-based approaches can be relevant in mutual fund investing discussions This episode is designed to help viewers understand how factor-based ideas translate into real-world portfolio frameworks, especially for those looking to move beyond single-factor thinking. This content is for educational purposes only and should not be considered investment advice or a recommendation to buy or sell any securities or adopt any investment strategy. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

February 25, 2026Episode 279 min

Factor Investing Explained: Momentum, Size & Low Volatility #MutualFunds

Ready to take a deep dive into how to structure investment portfolios? In this episode of Moneywise, we decode 3 key factors in investing: Momentum, Size, and Low Volatility. We understand these using real-life examples that you’ll actually relate to. But how do these factors actually work in real markets? In this deep dive, we explain: - Factor investing explained in simple, practical terms - How factor investing strategies are structured using momentum, size, and volatility - What momentum factor investing looks like and why trends may persist at times - How factor size investing differs from large-cap investing - How multiple factors are used in investment frameworks - How to learn factor investing without trying to time the market This episode will help you understand factor investing as a framework, whether you’re exploring strategies, comparing funds, or strengthening your investing basics. This content is for educational purposes only and should not be considered investment advice or a recommendation to buy or sell any securities or adopt any investment strategy.

February 17, 2026Episode 2610 min

Growth, Value & Momentum: Factor Investing Explained | Mutual Funds

Want factor investing explained in the simplest way possible? In this episode of Moneywise, we decode the three powerful styles that influence how portfolios are constructed — Growth, Value, and Momentum. These aren’t stock tips. They’re structured approaches used in factor investing. Here’s what you’ll learn: • What Growth factor investing means and how earnings expectations drive pricing • How Value factor investing identifies relatively lower-valued companies using ratios like P/E, P/B and EV/EBITDA • What Momentum investing focuses on and why trends sometimes persist • Factor investing quality vs value vs growth — how different styles behave across market cycles • Why no single factor outperforms in every phase • How factor-based mutual fund strategies are structured If you’ve ever wondered how professional portfolios are designed, this episode connects theory to practical understanding. Mutual fund investments are subject to market risks. Please read all scheme related documents carefully before investing.

February 17, 2026Episode 257 min

Factor Investing Explained: What Is It and How To Learn Factor Investing?

Is investing really just luck and gut feel… or is there an actual science behind it? 📊🤔 In this episode of Moneywise, Virat and Rachita dive into the world of factor investing, the structured, data‑driven approach that quietly influences how many portfolios are built. No jargon overload, no spreadsheet trauma (mostly), just clean explanations and relatable analogies. Factor investing sounds complex, but at its core, it’s about understanding why certain stocks tend to behave the way they do, and what factors drive long‑term performance. 🎯 In this episode, you’ll explore: • Factor investing explained in simple, practical terms • What factors actually mean in real investing • An easy way to think about quality factor investing • How investors can start thinking about how to learn factor investing without overcomplicating it • Why factor-based thinking matters even for mutual funds for beginners If you’ve ever wondered whether investing decisions can be broken down into repeatable logic instead of pure instinct, this episode connects the dots. Chapters: 00:00 Intro 01:40 Patterns in Market 03:45 Factors Explained 04:55 Catch in Factor Investing 06:35 Real talk on Factor Investing 07:35 Outro No promises. No shortcuts. Just a deeper look at how investing frameworks actually work behind the scenes.

January 31, 2026Episode 248 min

10 Common Investing Mistakes To Avoid | Investing Basics For Beginners

Even experienced investors make mistakes. Not because they don’t know enough… but because money has a way of triggering very human decisions. In this episode of Moneywise, Virat and Rachita break down the 10 most common investing mistakes that almost everyone falls for, from beginners starting out to long-term investors who think they’ve seen it all. These are the small slip-ups that can quietly derail your long-term investing journey. In this episode, we cover: • Beginner investing mistakes that most people repeat • The “I’ll time the market” trap • Overreacting to short-term noise • Chasing hype instead of having a plan • Ignoring diversification and risk • Common investing mistakes to avoid even after years of experience Chapters: 00:00 Intro 01:40 Chasing Top Performers 02:20 Panic Selling 02:29 Too Many Funds 03:23 Relying on Forwards 04:00 Checking Portfolio Everyday 04:43 Not Setting Goals 05:00 Timing the Market 05:29 No Emergency Fund 06:00 Tax Considerations 07:54 Recap Whether you’re new to investing or already investing through mutual funds, this episode is a reminder that investing is less about being perfect… and more about avoiding the obvious errors. Watch till the end and see how many of these mistakes you’ve caught yourself making. This content is for educational purposes only and should not be construed as investment advice. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

January 23, 2026Episode 238 min

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

Your mutual fund has a chef and no, it’s not random. When you invest in a mutual fund, you’re not just buying a basket of stocks. You’re handing your money to someone who decides what goes in, what stays out, and when the recipe needs a change. That someone is the fund manager. In this episode of Moneywise, Virat and Rachita break down who a fund manager really is using a simple kitchen analogy. Think of the fund manager as the chef, the market as the pantry, and your portfolio as the final dish. Just like a chef follows a process rather than cooking randomly, fund managers follow defined research and risk frameworks while selecting stocks. 🍽️ In this episode, we unpack: •⁠ ⁠Who is a fund manager and what they actually do day to day •⁠ ⁠The real responsibilities of a fund manager beyond “buying stocks” •⁠ ⁠How fund managers select stocks and manage risk behind the scenes •⁠ ⁠Why some funds actively tweak the recipe while others follow a fixed menu •⁠ ⁠Active vs passive funds explained in a simple, no-jargon way Chapters: 00:00 Intro 00:58 Who are mutual fund managers 02:08 What is the responsibility of a fund manager 03:15 Active vs passive funds 05:16 Types of investment philosophy 05:42 What to do when a fund manager leaves? 06:40 Myths about fund managers This episode helps you understand why the person managing your money matters, how decisions are made inside a mutual fund, and what role a fund manager plays in shaping outcomes over time without making any promises or predictions. If you’ve ever wondered “Who is deciding where my money goes?” this episode answers that question, calmly and clearly. 🎧 Watch till the end to see why choosing a fund is also about trusting the chef, not just liking the menu.

January 19, 2026Episode 229 min

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

Mutual fund tax is one of the most misunderstood parts of investing, and many investors realise it only after booking profits. In Moneywise Season 2 Episode 22, Virat and Rachita explain tax on mutual funds in India in simple language, helping you understand how mutual fund taxation actually works. In this episode, you’ll learn: • How mutual fund capital gains tax applies to equity mutual funds • The difference between short-term and long-term capital gains tax on mutual funds • Why the 1-year holding period matters for equity mutual fund tax • How debt mutual fund taxation rules changed after April 2023 • What tax-loss harvesting in mutual funds means and when it can reduce tax • Why tax should be a factor, not the deciding factor, in investment decisions If you’ve searched for mutual fund tax explained, tax on mutual funds, long-term vs short-term capital gains, or how mutual fund tax works in India, this episode breaks it down clearly. This video is for investor education only. Tax laws discussed are as per current regulations and are subject to change.

January 14, 2026Episode 218 min

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

Most people say, “I’ve started investing in mutual funds,” but when asked why, the answer is usually… “for the future.” But the future isn’t one place. It’s a house, a holiday, an emergency, or retirement, and each destination needs a different train. In this episode of Moneywise, we use a simple railway journey analogy to explain goal-based investing through mutual funds and why matching the right investment to the right timeline is the backbone of smart money management. You wouldn’t take a bullet train to buy groceries or a local train for a cross-country trip, so why do it with your investments? 🎯 What you’ll learn in this episode: •⁠ ⁠Why investing without a clear goal is the biggest reason people quit midway •⁠ ⁠How short-term, medium-term and long-term goals need different strategies •⁠ ⁠Where emergency funds actually belong (and where they don’t) •⁠ ⁠How to juggle multiple goals without confusing your portfolio •⁠ ⁠Common goal-based investing mistakes investors keep repeating •⁠ ⁠Why annual reviews matter as much as starting an SIP Timestamps 0:00 – Why “I’m investing for the future” is not a plan 0:45 – Investing without a goal is like travelling without a destination 1:30 – The three goal timelines every investor must know 2:50 – Short-term goals and why safety beats growth here 3:00 – The 6-month emergency fund guideline explained 4:40 – Medium-term goals and the role of balance 5:00 – Why time changes how much risk you can take 6:45 – Managing multiple goals at the same time 7:00 – Building a real-life goal-based investment plan 8:20 – The most common goal-based investing mistakes 9:00 – Why reviewing goals annually is non-negotiable If you want your mutual fund investments to actually support your life goals, this episode helps connect the dots between financial planning, goal-based investing, and practical money management. This episode is for investor education purposes only and does not constitute investment advice or a recommendation. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully.

January 7, 2026Episode 2010 min

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

Your portfolio is a lot like your wardrobe. If you never clean it up, rebalance it, or remove what no longer fits, things quietly go out of control. In this episode of Moneywise, we break down portfolio rebalancing in simple, no-jargon language. From why ignoring rebalancing can slowly distort your mutual fund portfolio to how often it actually needs attention, this conversation cuts through the confusion without fear-mongering or flashy claims. We talk about what rebalancing really means, how asset allocation drifts over time, and why a portfolio that once made sense may no longer match your goals today. Whether you’re new to mutual funds or already investing through SIPs, understanding how to rebalance a mutual fund portfolio is a core skill many investors overlook. If you’ve ever wondered how one should do rebalancing in mutual funds or struggled with how to rebalance and analyse a mutual fund portfolio, this episode helps you think through the logic calmly and clearly. No shortcuts. No hype. Just a smarter way to look at your investments. Chapters: 00:00 Intro 01:13 Understanding Rebalancing 03:49 When to Rebalance? 06:12 Rebalancing Method 07:53 Rebalancing Mistakes 10:00 Recap

December 26, 2025Episode 1910 min

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

Think of diversification in mutual funds like food choices. Eating the same pizza for breakfast, lunch, and dinner every day gets boring and unhealthy. But trying 50 different dishes in every single meal? That’s chaos. The sweet spot is a balanced plate, and investing works the same way. In this episode of Moneywise, we break down the real meaning of diversification and why many investors unknowingly fall into over-diversification in mutual funds. More funds nay not always mean more safety. In fact, the disadvantages of over-diversification in mutual funds often include unnecessary complexity, overlapping holdings, and diluted outcomes. Through simple analogies and clear logic, we explore how to think about diversification the right way, especially for mutual funds for beginners and anyone starting mutual funds and SIP for beginners. No jargon, no hype, just a practical way to understand how balance matters more than quantity. Because smart investing isn’t about eating the same thing forever… or trying everything at once. It’s about knowing how much is enough. Chapters 00:00 Intro 01:11 Underdiversification vs Overdiversification 02:21 Diversification Mistakes 03:40 4 Types of Diversification 05:54 How Many Funds? 06:58 Downsides of Overdiversification 08:02 Myths Busted 09:25 Quick Recap