Is Equity really like spicy achar and Debt like cooling dahi?
Surprisingly… yes! Just like a plate needs both for perfect balance, your investments can also benefit from the right mix. 🍛

In this episode of Moneywise, Virat and Rachita break down Equity Mutual Funds and Debt Mutual Funds in the simplest way possible; without jargon, without hype, and without any unrealistic claims. This episode helps you understand how these two categories work, how they differ, and how combining them can support long-term financial planning.

Chapters

00:00 Intro
01:37 What is an Equity Mutual Fund
03:09 What is a Debt Mutual Fund
04:30 Common Allocation Mistake
08:30 Goal-Based Planning
08:49 Myths vs Facts
10:00 Recap

You’ll Learn:
• What Equity Mutual Funds invest in and why they come with higher ups and downs
• What Debt Mutual Funds invest in and how they provide relatively stable movement
• Why many investors use both categories to create a balanced, goal-aligned portfolio
• How beginners can think about allocation depending on time horizon and comfort with volatility
• Why understanding the basics matters more than trying to “time the market”

This episode is perfect for anyone starting their investment journey or trying to understand how Equity and Debt may fit into long-term potential wealth creation.

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.

Ever wondered what NAV actually means and why every mutual fund investor keeps talking about it? 🤔

In this episode of Moneywise, we break down the Net Asset Value (NAV), what it really is, how it’s calculated, and why it’s not the same as your mutual fund’s performance. Whether you’re just starting your SIP journey or already exploring different schemes, understanding NAV is key to becoming a smarter investor.

Join Virat and Rachita as they simplify finance concepts like:

- What is Net Asset Value (NAV) per share in Hindi in mutual funds
- How NAV relates to your returns (and how it’s not the only factor!)
- The role of compounding wealth in long-term investing
- Common myths beginners have about net asset value per share

Because sometimes, what seems like a boring number can actually tell the real story of your investments.

👉 Perfect for anyone who’s just starting with mutual funds for beginners or looking to understand the meaning of net asset value in simple terms.

📍Chapters
00:00 Intro
00:40 What We Will Cover
01:25 What is NAV
02:35 Snowball Effect
03:45 Step-up SIP
05:17 Age-based Strategy
06:12 Debunking Myths
07:30 Recap

Your first SIP could be the start of your wealth story, if you do it right.

In this episode of Moneywise, Virat and Rachita break down how to invest in mutual funds and how to start a SIP; no jargon, no sales pitch, just straight talk.

👉 Understand what makes a mutual fund SIP investment work, how to pick a fund that fits your goals, and why consistency (not timing) drives real results.

Whether you’re a beginner exploring mutual funds, or someone finally ready to set up that first SIP, this episode makes investing simple, relatable, and sustainable.

🎧 Because in personal finance, clarity beats complexity every single time.

Think mutual funds are just for finance pros? Think again. 💡

In this episode of Moneywise, Virat and Rachita break down everything first-time investors get wrong about mutual funds, from picking your first SIP to understanding why your bank balance isn’t growing (hint: inflation is silently eating it).

Expect sharp insights, relatable money confessions, and zero jargon as we talk about:

 • How to actually start investing in mutual funds the smart way
 • Why “waiting for the right time” is the biggest mistake beginners make
 • Simple frameworks to build long-term wealth without feeling overwhelmed

Whether you’re hoarding cash in your savings account or feeling lost in finance lingo, this episode will help you see money through a whole new lens — practical, simple, and a little bit savage.

Everyone wants to know what the right time to invest in mutual funds is, but here’s the uncomfortable truth: the perfect time was yesterday. The next best time? Today!

In this episode of the Moneywise Podcast, Virat and Rachita break down one of the biggest investing myths, waiting for the “right moment”, and explain why time in the market beats timing the market every single time.

They dig into how compounding actually works, why early starts matter, and how even a small delay can make a huge difference to your long-term wealth building. Expect witty banter, simple maths, and stories that’ll make you rethink your “I’ll start next month” mindset.

Here’s what you’ll take away:
•⁠  ⁠Why there’s no perfect age or perfect market condition to begin investing.
•⁠  ⁠How to make your money work for you through the power of compounding.
•⁠  ⁠Simple steps on how to start investing and stay consistent.
•⁠  ⁠A clear guide on how to start SIP even if you’re new to Mutual Funds.
•⁠  ⁠The long-term benefits of starting early and letting time do the heavy lifting.

Whether you’re a student just earning your first salary or a professional waiting for the “right” market entry, this episode shows why one of the smartest steps you can take is to start early and stay consistent.

Tune in if you’ve been wondering what the right time is to invest in mutual funds, because by the end of this episode, you’ll realise you already know the answer.
Tell us in the comments: when did you start your first SIP, or what’s stopping you from beginning today?

Disclaimer: The content shared in this video is for educational and awareness purposes only and should not be considered financial advice. Please consult a financial advisor before making any investment decisions. 

Ever wondered why some people with huge paycheques still end up broke by the end of the month? It’s not bad luck; it’s lifestyle inflation.
In this video, we unpack the sneaky lifestyle inflation trap — that pattern where your expenses quietly grow every time your salary does. From “I deserve it” purchases to impulse upgrades, this trap can eat away at savings faster than you realise.

Here’s what we break down:

•⁠  ⁠What exactly lifestyle inflation is and how it creeps into your financial habits.
•⁠  ⁠Why high income doesn’t automatically mean high savings.
•⁠  ⁠How to spot the early signs that you’re falling into the lifestyle inflation trap.
•⁠  ⁠Practical tips on how to budget and save money — without feeling deprived.
•⁠  ⁠Simple ways to build a smarter budget that grows slower than your salary.

If you’ve ever told yourself, “I’ll start saving when I earn more,” this video might change how you see money. The truth is, real wealth comes from discipline, not digits on a payslip.

Watch till the end for a few actionable ideas on how to save money and start taking charge of your financial habits before lifestyle creep takes over.

Disclaimer: The content shared in this video is for educational and awareness purposes only and should not be considered financial advice. Please consult a financial advisor before making any investment decisions.

We spend decades saving and investing, but the real test of money smarts often comes at the very end during the distribution phase of wealth creation.

In this episode of the Moneywise Podcast, Virat and Rachita explore the stage that determines whether your years of hard work and saving actually translate into a comfortable life. It’s about more than just numbers; it’s about using your corpus wisely so you can enjoy retirement with dignity.

Here’s what you’ll hear:
•⁠  ⁠Why good retirement planning isn’t just about how much you save, but how you plan to use it.
•⁠  ⁠How structuring your asset portfolio matters when you start drawing down your savings.
•⁠  ⁠The often-ignored challenges of living off your investments, from inflation to healthcare costs.
•⁠  ⁠Real-world stories that show why the distribution phase is as important as the building phase.
•⁠  ⁠Practical perspectives on financial planning for retirement that can help you think ahead without panic.

Whether you’re decades away from retirement or already planning to use your accumulated corpus, this episode will get you thinking about how to make your money last for the life you want to live.

The aim is simple: to spark smarter conversations about the final stage of wealth creation, one that is as much about peace of mind as it is about managing your asset portfolio.

Most of us obsess over earning and investing… but the real game-changer in wealth creation often comes much later during the transfer phase.
In this episode of the Moneywise Podcast, Virat and Rachita dig into a stage that many investors overlook until it’s too late. This is the point where decisions about how you move or withdraw your money can decide whether your wealth continues to work for you or gets eroded.

You’ll hear stories, sharp banter, and a few face-palm moments as we unpack:

- Why simply growing your portfolio isn’t enough if you don’t plan what happens next.
- How unplanned moves during the transfer phase of wealth can undo years of progress.
- Common mistakes investors make, and how poor planning has left some with far less than they expected.
- The role products like a Debt Fund can play in smoothing this stage, and why rushing in or out of assets without a plan can backfire.
- Practical pointers for anyone aiming to turn their savings into a sustainable financial legacy.

Whether you’re just starting with Mutual Fund investments or you’re further along your journey, this episode shows why understanding all phases of investing is as crucial as focusing only on returns.

Everyone dreams of financial freedom, but here’s the truth about wealth accumulation: it often begins with the basics—saving regularly, building an emergency fund, and committing to small but steady investments like SIPs. Before you explore advanced wealth creation strategies, it helps to first build a safety net that can protect you from life’s surprises.

In this episode of the Moneywise Podcast, Virat (our cautious Millennial) and Rachita (our unapologetic Gen Z) unpack why wealth accumulation is usually step one in the journey towards wealth creation. Think of it as the foundation of a house: without it, the whole structure wobbles.

Here’s what we cover:

•⁠  ⁠The truth about wealth accumulation: why saving and SIPs aren’t boring. They’re like your financial seatbelt.
•⁠  ⁠Building an emergency fund—an underrated first move that can support your long-term journey.
•⁠  ⁠Why skipping straight to step two without a backup plan often ends in stress (and regret).
•⁠  ⁠A relatable wealth accumulation guide for beginners that shows how small, consistent actions can add up over time.

Why this matters:

Because it isn’t just about hoarding cash. It’s about building resilience. From handling sudden expenses to feeling secure enough to take calculated risks, wealth accumulation aims to help you prepare for the bigger moves in your money journey.

If you’ve ever wondered where to begin, or felt FOMO seeing others chase investments while you’re still saving, this episode puts things in perspective. Virat and Rachita bring their signature mix of humour, banter, and practical insights to make finance feel a lot less intimidating.

Takeaway: Before chasing growth, it helps to build safety. Financial freedom often begins with smart saving, SIPs, and a solid emergency cushion.

Ever blamed your wins on skill but your losses on “bad luck”? Or spent your money today because tomorrow felt too far away? Or maybe you bought that stock just because “everyone else was doing it”? Welcome to the tricky world of investor psychology in stock market podcast style.

In this episode of the Moneywise Podcast, Virat (our cautious Millennial) and Rachita (our unapologetic Gen Z) take apart three powerful mental traps that shape how we invest, save, and spend. It’s funny, it’s relatable, and it will definitely make you go: “wait… I do that too!”
Here’s what’s on the table:

Self-Attribution Bias: Why we pat ourselves on the back for every win in the market, but blame external forces when things go south.

Present Bias: Why we prefer instant rewards today over potential future gains, and how it shows up in both shopping sprees and stock investing for beginners.

Bandwagon Bias: Why following the crowd feels safe, but may lead us straight into bubbles. Afterall, “everyone’s buying it” doesn’t make it a good choice.

Why tune in?

Because these aren’t just abstract theories, they’re everyday patterns. From panicking during market dips to joining in on “to the moon” hype, these biases shape how we approach the stock market without us even noticing. And spotting them is the first step to avoiding common mistakes.

If you’ve ever wondered why you behave the way you do with money, whether you’re new to stock investing for beginners or have been in the game for years, this episode makes complex ideas about investor psychology in a stock market podcast style: fun, clear, and relatable.