In this episode, Monika begins with a heartfelt discussion on the complex intersection of love, family, and money. She shares emotional real-life examples from listeners who are supporting family members burdened by financial irresponsibility. From parents with speculative debts to spouses with no income, Monika lays out a step-by-step approach to setting financial boundaries without feeling guilty. Her message is clear: love should not come at the cost of personal financial ruin. It’s crucial to differentiate between support and enabling, and to prioritize long-term personal security.

Next, Monika explains what a market correction is and why it isn’t necessarily a bad thing. A 10% to 20% dip in the market is often a natural breather after a strong bull run. Instead of panicking and selling off equity holdings, Monika encourages investors to review their asset allocation and use the correction as an opportunity to invest more strategically. She underscores that timing the market is risky and generally unsuccessful, while a consistent investment approach tends to perform better in the long run.

In the listener Q&A, Nidhi asks if she should sell her apartment or keep it for rental income in retirement. Ashwath from Chennai wants clarity on why portfolio rebalancing is necessary and how it affects returns. Alok Shahapurkar seeks help in analyzing the cap-size spread in his mutual fund portfolio, especially when funds contain blended exposures.

Chapters:

(00:30 – 06:32) Navigating Love, Money and Family Boundaries

(06:33 – 07:47) Understanding Market Corrections

(07:48 – 11:53) Evaluating Real Estate in a Retirement Portfolio

(11:54 – 14:15) The Role of Rebalancing in Managing Risk

(14:16 – 16:59) Assessing Market Cap Exposure in Mutual Funds

https://investor.sebi.gov.in/

https://www.valueresearchonline.com/

If you have financial questions that you’d like answers for, please email us at ⁠[email protected]⁠

Monika’s book on basic money management

⁠⁠⁠https://www.monikahalan.com/lets-talk-money-english/⁠⁠⁠

Monika’s book on mutual funds

⁠⁠https://www.monikahalan.com/lets-talk-mutual-funds/⁠⁠

Monika’s workbook on recording your financial life

⁠⁠⁠https://www.monikahalan.com/lets-talk-legacy/⁠⁠⁠

Calculators

⁠⁠⁠https://investor.sebi.gov.in/calculators/index.html⁠⁠⁠

You can find Monika on her social media @monikahalan. 

Twitter ⁠⁠⁠@MonikaHalan⁠⁠⁠

Instagram ⁠⁠⁠@MonikaHalan⁠⁠⁠

Facebook ⁠⁠⁠@MonikaHalan⁠⁠⁠

LinkedIn ⁠⁠@MonikaHalan⁠⁠

Production House: ⁠⁠www.inoutcreatives.com⁠⁠

Production Assistant:⁠⁠ Anshika Gogoi⁠⁠