Retirement planning is a delicate balancing act between longevity and mongevity. One is the act of living longer for which one needs to focus on health for a long period starting at a young age. The other is when your money outlives you and for this too one needs to start planning at a young age. Ravi Samalad and Lisa Pallavi Barbora discuss how one should approach retirement planning and the dos and don’ts.

Many investors miss noticing  the difference between investment returns and investor returns. Sounds the same, right? Well, not really. The number you see on a mutual fund’s factsheet and the return you actually experience in your portfolio can be very different. Why does that happen? Is it the market? Is it timing? Or… is it us? Lisa Pallavi Barbora and Ravi Samalad help us understand why our returns often don’t match what’s advertised, and what we can do to fix that.  

Most of us have heard of large-cap, mid-cap, or small-cap funds, right? 
But did you know how a fund manager picks stocks – their style – can also impact your returns? 
Yup, there’s a bit of an art to it! In this episode, Lisa Pallavi Barbora and Ravi Samalad explore the different investing styles, what they mean, and why diversifying across them might just make you a smarter investor.  
  
Listen to the Smart Investing podcast series by PGIM India Mutual Fund. Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Log on to https://moneyandme.pgimindiamf.com/ to get curated content on personal finance that is in sync with your life stage. All Mutual Fund investors have to go through a one-time KYC (Know Your Customer) process. Investors should deal only with Registered Mutual Funds. For more info on KYC, RMF & procedure to lodge/redress complaints, visit pgimindiamf.com/IEID. This is an investor education and awareness initiative by PGIM India Mutual Fund. The information herein is meant only for general reading purposes and the views being expressed only constitute opinions and therefore cannot be considered as guidelines, recommendations or as a professional guide for the readers. The document has been prepared on the basis of publicly available information, internally developed data and other sources believed to be reliable.

Equity markets have been volatile in the recent past. Sharp corrections are a good opportunity for investors to invest lumpsum or top up their existing investments. On the other hand, SIPs are useful in a volatile market as they help you get more units when markets fall. 

Lumpsum investing is another option for investors but it can be a bit risky if markets were to fall immediately after investing. Both options have their pros and cons. In this episode, Lisa Pallavi Barbora and Ravi Samalad discuss how to use SIP and lumpsum investing to reach your life goals.

The Indian household debt has been increasing over the past three years, shown an RBI report. It increased to 41% of GDP in FY24 from 37.9% in FY23 and is estimated to have reached 43.5% in the first half of FY25. The report identified three primary purposes for household borrowing. The first is consumption, which includes personal loans, credit card debt, loans for consumer durables and other personal loans. The second is asset creation, covering mortgage loans, vehicle loans, and two-wheeler loans. Lastly, productive activities, such as loans for agriculture, business ventures, and education, also form a significant part of household borrowing. In this episode, Ravi Samalad and Lisa Pallavi Barbora discuss how to manage your debt effectively.
Listen to the Smart Investing podcast series by PGIM India Mutual Fund.

Remember March 2020 when the stock market experienced one of the fastest crashes in history due to the COVID-19 pandemic? The Indian market saw drawdown of 38%. It was a stark reminder of how unpredictable markets can be. The 2008 financial crisis was another classic example. In this episode, Lisa Pallavi Barbora and Ravi Samalad discuss what causes volatility and how investors can mitigate it.

Log on to https://moneyandme.pgimindiamf.com/ to get curated content on personal finance that is in sync with your life stage. All Mutual Fund investors have to go through a one-time KYC (Know Your Customer) process. Investors should deal only with Registered Mutual Funds. For more info on KYC, RMF & procedure to lodge/redress complaints, visit pgimindiamf.com/IEID (http://pgimindiamf.com/IEID) . This is an investor education and awareness initiative by PGIM India Mutual Fund. Mutual Fund investments are subject to market risks, read all scheme-related documents carefully.

A lot of the mistakes often investors make stem from a lack of awareness and myths that people believe to be true about mutual funds. In this episode, Ravi Samalad and Lisa Pallavi Barbora discuss and debunk the biggest myths associated with mutual funds. 

Log on to https://moneyandme.pgimindiamf.com/  to get curated content on personal finance that is in sync with your life stage. All Mutual Fund investors have to go through a one-time KYC (Know Your Customer) process. Investors should deal only with Registered Mutual Funds. For more info on KYC, RMF & procedure to lodge/redress complaints, visit pgimindiamf.com/IEID (http://pgimindiamf.com/IEID) . This is an investor education and awareness initiative by PGIM India Mutual Fund. Mutual Fund investments are subject to market risks, read all scheme-related documents carefully.

And the second rule is don't forget the first rule.”  - Warren Buffett. 

This quote reminds us that losing less is equally important.  Let us understand this with a simple example. If your 100 rupee becomes 50 you will have to earn a return of 100% to reach 100 again.  

There is so much focus on how to invest right, we often forget to talk about the mistakes we may be making in the first place. In this podcast, Ravi Samalad and Lisa Pallavi Barbora discuss the 6 common mistakes you can avoid while investing.

Goal based investing concept is easier to understand but very few investors follow a methodological and bucketed way of managing their finances. In this podcast, Lisa Pallavi Barbora and Ravi Samalad analyse the pros and cons of this approach, which kind of investors it is ideal for, how to go about identifying your goals and use the right asset classes to plan for your short, medium and long term goals.

Log on to https://moneyandme.pgimindiamf.com/ (https://www.youtube.com/redirect?even...) to get curated content on personal finance that is in sync with your life stage. All Mutual Fund investors have to go through a one-time KYC (Know Your Customer) process. Investors should deal only with Registered Mutual Funds. For more info on KYC, RMF & procedure to lodge/redress complaints, visit pgimindiamf.com/IEID (http://pgimindiamf.com/IEID) . This is an investor education and awareness initiative by PGIM India Mutual Fund. Mutual Fund investments are subject to market risks, read all scheme-related documents carefully.