Episodios

  • What Instagram Reels are not telling you about Dubai Real Estate? | ft. Chintan Vasani | Wisebiz
    Jul 17 2025
    Are you fascinated by Dubai and thinking about settling there or investing in its real estate? Maybe you’ve seen all those flashy reels, social media posts, and YouTube videos showing off Dubai’s luxury properties. But is what you see online the full picture of Dubai’s real estate market?In this episode, we talk to Chintan Vasani, Founder and Managing Partner of Wisebiz Developers, and one of India’s top real estate experts, featured in Forbes’ Most Influential List of 2022. He shares his insights as we discuss:Is Dubai’s real estate really as amazing as it looks?Does Indian real estate offer better opportunities?Why is there so much hype about Dubai real estate on social media?What should you know before investing in Dubai properties?Timestamps:0:00 - Introduction0:58 - Dubai real estate hype2:05 - Dubai vs India real estate4:33 - India’s real estate opportunities5:18 - Pitfalls in Dubai9:44 - Wealthy individuals in Dubai10:23 - Hype of Dubai real estate on social media12:26 - Influencers and Dubai real estate14:32 - Residential yield: Dubai vs India16:58 - Tips for investing in Dubai19:12 - Lessons from Dubai for Indian real estateDisclaimer: This content is provided for educational and informational purposes only. The views expressed by our guests reflect their personal opinions and experiences. Our intent is not to defame or cause harm to any individual, entity, brand, or product mentioned. We aim to offer insights that empower our audience to make well-informed decisions. Viewers should consider their unique circumstances and consult with qualified financial professionals when necessary before acting on any information presented in this video.Guest Social Media:LinkedIn :https://www.linkedin.com/in/chintan-v...Instagram: https://www.instagram.com/chintanvasa...Twitter: https://x.com/vasani_chintan?lang=enFacebook: / chintanvasani To Know More, follow us on:YouTube: https://www.youtube.com/@PersonalFinanceTVofficialInstagram: https://www.instagram.com/personalfinancetv/LinkedIn: https://www.linkedin.com/company/personal-finance-tv/𝕏 (Twitter): https://x.com/PFTV_official
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    23 m
  • The Secrets behind managing ₹2 Lakh Crore in Investments | ft. Swarup Mohanty | Mirae Asset
    Jul 13 2025
    "Mutual Fund Sahi Hai" — A phrase we’ve all heard, right? And the numbers back it up.India's mutual fund industry has grown sixfold in the last decade, managing a staggering ₹61.33 trillion by mid-2024. Clearly, more Indians are embracing the power of compounding and putting their money to work.But here’s the catch. 97% of investors stop their SIPs within five years. If mutual funds are so effective, why aren’t more people staying invested for the long haul? In this episode of Temperament, we decode these challenges with Swarup Mohanty, Vice Chairman & CEO of Mirae Asset, a veteran with 30+ years of experience managing ₹2 lakh crore in assets.We explore:-Why mutual funds are a must for investors.-Behavioral biases that impact fund managers and investors alike.-Why India still has low mutual fund penetration.-The issue of overlapping in mutual funds.-Common mistakes investors make—and how to avoid them.Timestamps0:00 - Intro00:57 - Behavioral Biases of Fund Managers06:41 - Low Mutual Fund Penetration in India09:39 - Mirae Asset Investment Schemes13:50 - Criteria for Choosing the Right Fund16:42 - Overlapping in Mutual Funds18:35 - Common Mistakes by MF Investors20:58 - Managing Volatility: Tips for Investors & Fund Managers23:18 - Active vs Passive Large Cap Funds24:48 - Promising Investment Themes27:49 - Key Factors for Mirae's Outperformance29:40 - Why Invest in Mutual Funds?31:42 - Exit Strategy: Thematic vs Flexi Cap34:29 - Mirae NYSE FANG Fund37:22 - Does the Quant Theme Work?39:12 - Multi-Asset Category: A Prudent Strategy?41:28 - Swarup's Key LearningsDisclaimer: This content is provided for educational and informational purposes only. The views expressed by our guests reflect their personal opinions and experiences. Our intent is not to defame or cause harm to any individual, entity, brand, or product mentioned. We aim to offer insights that empower our audience to make well-informed decisions. Viewers should consider their unique circumstances and consult with qualified financial professionals when necessary before acting on any information presented in this video.Guest Social Media:LinkedIn: https://www.linkedin.com/in/swarup-mo...Instagram: / mohanty_swarup Twitter: https://x.com/mohanty_swarupTo Know More, follow us on:YouTube: https://www.youtube.com/@PersonalFinanceTVofficialInstagram: https://www.instagram.com/personalfinancetv/LinkedIn: https://www.linkedin.com/company/personal-finance-tv/𝕏 (Twitter): https://x.com/PFTV_official
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    44 m
  • REITs VS Fractional Real Estate VS Traditional Investing, Returns Compared | ft. Shiv Parekh | hBits
    Jul 10 2025
    When we think of real estate investing, the focus often revolves around residential and commercial properties. While residential real estate remains the go-to choice for most retail investors, commercial real estate has traditionally been accessible only to those with significant capital. However, in today’s dynamic investment landscape, alternative options are reshaping portfolios and offering promising returns.One such emerging trend is fractional ownership. In this episode, we dive deep into this innovative approach to real estate investment with Shiv Parekh, the founder of hBits. Shiv is revolutionizing commercial real estate investing in India. With an AUM of ₹100 crore, hBits is helping both Indian investors and NRIs access high-quality commercial real estate opportunities.We covered in the episode:The types of alternative real estate investments available, including REITs and fractional ownership.The kind of returns investors can expect from these alternatives compared to traditional real estate investments.How much of your portfolio should ideally be allocated to alternative real estate investments.Common misconceptions surrounding fractional ownership.Timestamps0:00 - Intro0:52 - Real Estate in India3:37 - Equity vs. Real Estate Returns4:35 - Rental Yield in Commercial & Alternative Investments5:17 - What Are Alternative Real Estate Investments?7:55 - Minimum Investment in Alternative Real Estate8:10 - Returns: Alternative vs. Traditional Real Estate10:11 - IRR: Traditional vs. Fractional Ownership10:46 - Starting with Fractional Real Estate12:05 - Investment Structure for Fractional Ownership15:01 - What Is REIT?18:09 - Growth of Alternative Real Estate Platforms18:51 - Investor Profiles in Fractional Real Estate19:53 - Regulations for Fractional Ownership20:36 - Portfolio Allocation for Fractional Real Estate21:21 - Top Cities for Fractional Real Estate21:47 - Legal Requirements for Platforms22:11 - Fractional Ownership vs. REITs22:56 - Why Invest in Fractional Ownership?23:16 - Ideal Properties for Fractional Ownership24:02 - Key Legal Documents to Review24:56 - What If Fractional Ownership Fails?27:26 - Early Withdrawal from Investments28:16 - Property Selection for Fractional Ownership30:29 - Who Benefits Most from Fractional Ownership?32:13 - Misconceptions About Fractional Ownership32:47 - Can Fractional Real Estate Disrupt Markets?33:36 - Future of Fractional Real Estate34:34 - Mindset for Fractional Real Estate Investing34:50 - Fractional Ownership for Older Generations35:38 - Future of Fractional Ownership in India36:40 - Choosing the Best Real Estate InvestmentDisclaimer: This content is provided for educational and informational purposes only. The views expressed by our guests reflect their personal opinions and experiences. Our intent is not to defame or cause harm to any individual, entity, brand, or product mentioned. We aim to offer insights that empower our audience to make well-informed decisions. Viewers should consider their unique circumstances and consult with qualified financial professionals when necessary before acting on any information presented in this video.Guest Social Media:LinkedIn: https://www.linkedin.com/in/shivparek...To Know More, follow us on:YouTube: https://www.youtube.com/@PersonalFinanceTVofficialInstagram: https://www.instagram.com/personalfinancetv/LinkedIn: https://www.linkedin.com/company/personal-finance-tv/𝕏 (Twitter): https://x.com/PFTV_official
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    38 m
  • Can India truly become a $30 Trillion Economy by 2047? | Ft. Navneet Munot | HDFC AMC Ltd.
    Jul 6 2025
    India has a vision to become a Viksit Bharat (Developed Nation) by 2047. This goal focuses on using the potential of India’s youth to drive the country’s growth and development. But can India really achieve this vision? And how will it affect the everyday lives and finances of common people?In this episode, we discuss these questions with Navneet Munot, MD & CEO of HDFC Asset Management Company.We discussed:-Can India Achieve the Goal of Viksit Bharat 2047?-How India Can Manage National Debt-Challenges in Reaching the Vision for 2047-The Dependency of 80 Crore People on SubsidiesTimestamps:0:00- Introduction01:07 - Can India Achieve the Goal of Viksit Bharat 204702:52 - Dealing with National Debt04:14 - India Budget 202505:33 - The China Plus One Strategy07:08 - Mutual Fund Growth in India09:12 - SIP Growth and Indian Population10:30 - Behavioral Quotient in Investing12:17 - Message for Investors: Don't Get Distracted by External Noise13:42 - Impact of Macroeconomics on the Mutual Fund Industry15:16 - Retail Strength Supporting the Market16:16 - Achieving ₹100 Lakh Crore AUM17:04 - Role of NFOs in the Mutual Fund Industry17:51 - Challenges in Achieving Vision 204718:55 - Behavioral Biases of Fund Managers20:08 - AI's Role in Job Disruptions23:35 - Working Population and Government Policies24:10 - High Import Tariffs by Donald Trump24:48 - Factors Leading to a $30 Trillion Economy26:12 - India vs Other Emerging Market Economies27:10 - Dependency of 80 Crore People on Subsidies29:46 - Final Message to Investors32:35 - Key TakeawaysDisclaimer: This content is provided for educational and informational purposes only. The views expressed by our guests reflect their personal opinions and experiences. Our intent is not to defame or cause harm to any individual, entity, brand, or product mentioned. We aim to offer insights that empower our audience to make well-informed decisions. Viewers should consider their unique circumstances and consult with qualified financial professionals when necessary before acting on any information presented in this video.Guest Social Media:LinkedIn: https://www.linkedin.com/in/navneet-m...To Know More, follow us on:YouTube: https://www.youtube.com/@PersonalFinanceTVofficialInstagram: https://www.instagram.com/personalfinancetv/LinkedIn: https://www.linkedin.com/company/personal-finance-tv/𝕏 (Twitter): https://x.com/PFTV_official
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    34 m
  • Top Economist shares how to smartly invest using Macroeconomy | ft. Ankita Pathak
    Jul 3 2025
    The price of everything you buy—the chai you sip, the gas you fill, the stocks you invest in—isn’t just about supply and demand. It’s part of a much bigger web of forces at play, one we often hear about but rarely stop to understand: macroeconomics.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 we discussed how macroeconomic trends impacts your wealth with Ankita Pathak, Chief Macro & Global Strategist at Ionic Wealth.We discussed:-How to use macroeconomics for asset allocation?-How does government capex impact growth and rates?-How is India’s debt-to-GDP ratio stable?-How to hedge against inflation with gold and equities?-How do global trends affect Indian investments?Timestamps:0:00 - Intro00:57 - Macroeconomics and Investing04:26 - Key Macro Indicators05:48 - Macro Data and Portfolios08:41 - Adjusting for Slowdowns11:50 - Importance of Global Trends14:16 - Impact of Global Policies16:52 - Hedging Global Risks18:03 - Govt Capex Impact20:17 - Debt-to-GDP Concern23:25 - Inflation Hedging26:57 - Subsidy Risks30:14 - Creating Quality Jobs32:46 - Financial Strategy for India34:22 - India’s Top Macro Trends36:40 - Closing TakeawaysDisclaimer: This content is provided for educational and informational purposes only. The views expressed by our guests reflect their personal opinions and experiences. Our intent is not to defame or cause harm to any individual, entity, brand, or product mentioned. We aim to offer insights that empower our audience to make well-informed decisions. Viewers should consider their unique circumstances and consult with qualified financial professionals when necessary before acting on any information presented in this video.Guest Social Media:LinkedIn: https://www.linkedin.com/in/ankitapat...Twitter: https://x.com/ankitapathak_?ref_src=t...To Know More, follow us on:YouTube: https://www.youtube.com/@PersonalFinanceTVofficialInstagram: https://www.instagram.com/personalfinancetv/LinkedIn: https://www.linkedin.com/company/personal-finance-tv/𝕏 (Twitter): https://x.com/PFTV_official
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    38 m
  • Can P2P Lending Really Offer 20% Returns? | Ft. Bhavin Patel | LenDenClub
    Jun 29 2025
    Peer-to-peer (P2P) lending is changing the way we think about money in India. It acts like a digital bridge, directly connecting borrowers who need loans with lenders looking to earn better returns. This modern approach offers borrowers easier access to loans at lower interest rates while helping lenders earn more compared to traditional banking.This innovative model is helping more people access financial services, especially those in the "missing middle"—a group often overlooked by traditional banks.To learn more, we spoke with Bhavin Patel, Founder & CEO of LenDenClub, India’s leading P2P lending platform. In this episode, we cover:-How P2P lending works differently from traditional investments-What’s driving the rapid growth of P2P platforms in India-The returns investors can expect—and the risks they should be aware of-Who should consider P2P lending, and who might want to think twice-Simple tips and a checklist for anyone exploring P2P lending-Myths and mental barriers people face with P2P investing-How the industry safeguards against risky lending practices and loan bubblesTimestamps:0:00 - Introduction01:01 - How P2P differs from traditional investing02:10 - Growth factors in P2P lending04:28 - Expected returns from P2P05:54 - Average lending amount05:59 - Risks in P2P lending07:38 - P2P lending checklist08:51 - Investment methods on P2P platforms10:10 - Who should avoid P2P lending?11:16 - Overcoming psychological barriers13:18 - Myths about P2P17:08 - Healthy growth or bubble?19:36 - Risky loan exposure21:30 - Loan democratization risks22:45 - Signs of a loan bubble24:35 - Assessing borrower creditworthiness28:04 - Selecting the right borrowers29:50 - Key takeawaysDisclaimer: This content is provided for educational and informational purposes only. The views expressed by our guests reflect their personal opinions and experiences. Our intent is not to defame or cause harm to any individual, entity, brand, or product mentioned. We aim to offer insights that empower our audience to make well-informed decisions. Viewers should consider their unique circumstances and consult with qualified financial professionals when necessary before acting on any information presented in this video.Guest Social Media:LinkedIn: https://www.linkedin.com/in/bhavinpat...Twitter: https://x.com/ptl_bhavinTo Know More, follow us on:YouTube: https://www.youtube.com/@PersonalFinanceTVofficialInstagram: https://www.instagram.com/personalfinancetv/LinkedIn: https://www.linkedin.com/company/personal-finance-tv/𝕏 (Twitter): https://x.com/PFTV_official
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    31 m
  • The investment strategy for Financial Independence Retirement Early | ft. Ritesh Sabharwal
    Jun 26 2025
    Financial Independence, Retire Early (FIRE) is a popular goal, but is it truly achievable for everyone? While early retirement sounds appealing, the journey to financial independence is often misunderstood, and life after FIRE can come with its own set of challenges. In this episode of Temperament, we dive deep into the reality of the FIRE movement with Certified Financial Planner Ritesh Sabharwal, who brings over 16 years of experience guiding professionals toward smart financial decisions.Discover how to calculate your FIRE number, the best investment strategies to reach financial independence, and the emotional and psychological hurdles of retiring early. Don’t just dream about FIRE—learn how to make it a sustainable reality.Timestamps:0:00 - Introduction1:30 - How much money do you need for retiring early? 4:11 - Calculations for retirement5:32 - Should retirement planning extend to the age of 90-95 with rising life expectancy?6:02 - Investment portfolio for a 25-year-old8:20 - Accumulation phase vs. withdrawal phase8:43 - What is a risk profile?9:42 - Ritesh's advice on retirement planning10:55 - What is step-up investment?12:33 - How to manage your corpus post-retirement16:38 - Why doesn't Ritesh want to retire early?18:05 - Does saving for retirement instead of taking holidays cause mental stress?19:18 - Retirement for self-employed individuals22:02 - Recession and downturns29:53 - Questions to consider before starting your FIRE journeyDisclaimer: This content is provided for educational and informational purposes only. The views expressed by our guests reflect their personal opinions and experiences. Our intent is not to defame or cause harm to any individual, entity, brand, or product mentioned. We aim to offer insights that empower our audience to make well-informed decisions. Viewers should consider their unique circumstances and consult with qualified financial professionals when necessary before acting on any information presented in this video.Guest social Media:LinkedIn: / riteshsabharwal Instagram: / simplifywithritesh Twitter : https://x.com/riteshsabharwalTo Know More, follow us on:YouTube: https://www.youtube.com/@PersonalFinanceTVofficialInstagram: https://www.instagram.com/personalfinancetv/LinkedIn: https://www.linkedin.com/company/personal-finance-tv/𝕏 (Twitter): https://x.com/PFTV_official
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    33 m
  • What You MUST Know Before Investing in the U.S. Stocks from India? | Ft. Neil Borate
    Jun 22 2025
    India's outward remittances hit a record high of $31 billion in FY24, driven by a growing interest in diversifying investments, particularly in U.S. equities. With the S&P 500 emerging as a top performer in 2024, offering a 27% return in rupee terms, it's no surprise that investors are looking beyond borders.In this episode, we spoke with Neil Borate, the Personal Finance Editor at Mint, to explore everything you need to know about investing in U.S. equities. Here’s what we covered:-Why U.S. equities, especially tech stocks, are attracting Indian investors.-The regulatory challenges: TCS, compliance, and dual taxation explained.-The role of ETFs, bonds, and direct equities in building a global portfolio.-How rupee depreciation benefits U.S. investments.-The advantages and risks of international diversification and the importance of avoiding herd mentality.Timestamps:0:00 - Intro01:04 - Why are Indians investing in U.S. stocks?02:03 - Drivers of U.S. equity market growth02:43 - How to invest in U.S. tech stocks04:22 - Checklist for investing overseas05:45 - U.S. vs. other countries: Where to invest?06:35 - Tax implications of investing in the U.S.08:00 - Indian vs. overseas tax comparison10:00 - Who invests in U.S. equities?10:51 - Pros and cons of U.S. equity investment12:01 - Impact of brokerage and currency on U.S. investments14:28 - Should Indians invest in U.S. equities?15:17 - Options for investing in U.S. equities16:00 - ETFs vs. index funds: What’s better?16:18 - Promising sectors in the U.S. market16:57 - Active vs. passive funds: Best for global diversification19:07 - Rupee depreciation: Impact on U.S. investments20:53 - Who should avoid investing in U.S. equities?23:05 - Key checks before investing abroad24:51 - What to watch for in the budget26:03 - What is fractional investing in U.S. stocks?29:09 - Behavioral traits of U.S. equity investors30:38 - Things to keep in mind before investing overseas32:51 - Final takeawaysDisclaimer: This content is provided for educational and informational purposes only. The views expressed by our guests reflect their personal opinions and experiences. Our intent is not to defame or cause harm to any individual, entity, brand, or product mentioned. We aim to offer insights that empower our audience to make well-informed decisions. Viewers should consider their unique circumstances and consult with qualified financial professionals when necessary before acting on any information presented in this video.Guest Social Media:LinkedIn: https://www.linkedin.com/in/neil-bora...Instagram: / neilborate Twitter: https://x.com/ActusDeiFacebook: / neil.borate To Know More, follow us on:YouTube: https://www.youtube.com/@PersonalFinanceTVofficialInstagram: https://www.instagram.com/personalfinancetv/LinkedIn: https://www.linkedin.com/company/personal-finance-tv/𝕏 (Twitter): https://x.com/PFTV_official
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    34 m