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Artwork for Let's Talk Money with Monika Halan

Let's Talk Money with Monika Halan

Monika Halan
Mutual Funds
India
Investment Strategies
Retirement Planning
Inflation
Financial Planning
GDP
Reserve Bank Of India
Fixed Deposits
Public Provident Fund
Insurance Policies
Investing
Personal Finance
SEBI
Capital Gains Tax
Financial Literacy
Health Insurance
Emergency Fund
Investments
Debt Management

Let's Talk Money is your guide to financial stability and freedom. Join Monika Halan, a trusted financial expert, as she delves into a wide array of topics each week. From tackling debt to making friends with the stock market, from gold to mutual funds, Monika's insights are your compass to financial wellness. But that's not all! Monika's here to answer your money questions. Send them in, and she'... more

PublishesWeeklyEpisodes120Founded3 years ago
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Artwork for Let's Talk Money with Monika Halan

Latest Episodes

In this episode, Monika responds to the atmosphere of fear and panic spreading through everyday financial conversations — from rumours about banks collapsing to people withdrawing savings based on WhatsApp forwards and social media anxiety. Using his... more

In this episode, Monika unpacks the growing inflation pressures quietly building beneath the economy and explains why the recent ₹3 fuel price hike is likely only the beginning of a longer and more uncomfortable adjustment cycle. She breaks down the ... more

In this episode, Monika explores an often-overlooked truth about wealth: the more complicated your financial life becomes, the more it quietly steals from your time, energy, and peace of mind. Through the story of a retired couple overwhelmed by scat... more

In this episode, Monika takes on the rising buzz around international investing and challenges a widely accepted idea — that global diversification is essential for everyone. She explains how the recent excitement around US markets, driven by the per... more

Key Facts

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Podcast Host
Number of Listeners
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Recent Guests

Lalita Tiwari
Follower/PR professional who asked a personal finance question
Listener of the show
Episode: War and Paise
Priya Shivkumar
Listener who shares reading Lets Talk Money and asks about retirement and ULIPs
Reader of the host's book
Episode: War and Paise
Dr. V. Anantha Nageswaran
India's Chief Economic Advisor
Episode: India’s Chief Economic Adviser wants banks to stop mis-selling
Ashwani Bhatia
Whole-time member at SEBI, former managing director at State Bank of India
SEBI
Episode: How Can SEBI Safeguard Investor Interests in a Dynamic Market? Monika Halan in conversation with Ashwani Bhatia

Host

Monika Halan
Host of the show guiding discussions and answering listener questions; primary figure behind the financial guidance provided.

Reviews

4.7 out of 5 stars from 320 ratings
  • Excellent

    Excellent Podcast.

    Apple Podcasts
    5
    LuckyBabe27
    India2 years ago
  • Very good podcast

    Excellent podcast and books. Thank you for this effort and appreciate your advice.

    Apple Podcasts
    5
    Yapral Secunderabad
    India2 years ago
  • Good podcast add

    pls add more content for single people especially ladies who dont want to get married or dont see themselves gettng married. so pls tell us guide line for wealth creation etc. as our goals are different. for eg: all i want is travel & money for whole life. thats it. as some of us inherit home. we dont need to buy new ones. also, Retail NPS if we are investing can we have options for getting 40% annuity corpus in form of pension in such a way that we use it all up as we have no dependents. we lac... more

    Apple Podcasts
    5
    Meera Sankaran
    India2 years ago
  • Best show i’ve came across recently. 👌🏻

    This podcast helped me to understand the world of finance with so much clarity…..all Thanks to you Monika ma’am. 😄

    Apple Podcasts
    5
    AllPd
    India2 years ago
  • Much needed education we never got

    Monika's practical books were a great DIY on how to become financially independent. Her podcast continues to spread the same message, keeping up with the latest tools and vehicles. I listen whenever I can.

    Apple Podcasts
    5
    VishalKataria
    India3 years ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Community notes highlight relevance for both new and seasoned investors.
Listeners praise practical, easy-to-apply money advice.
Listeners value ongoing education and practical tools for financial independence.
Fans appreciate the host's clarity and willingness to tackle a range of financial questions.
Audience finds explanations of complex topics accessible and respectful.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Apple Podcasts
#215
India/Top Podcasts
Apple Podcasts
#46
India/Business
Apple Podcasts
#69
United Arab Emirates/Business
Apple Podcasts
#156
Saudi Arabia/Business

Talking Points

Recent interactions between the hosts and their guests.

Inflation looms. How bad will it be?
Q: Meera S asks for a mock portfolio if she gets a lump sum of one crore and is a single woman planning long-term goals. What would you propose in terms of allocation and evolution of the portfolio over time?
Begin with a simple, diversified base: 30% in large-cap, 25% in mid-and-small-cap, 10% in gold, and 10% in a foreign fund, with the remainder in cash/SIP accrual. Use index funds where possible if you're not selecting active funds, and progressively rebalance to a more debt-oriented posture as you near the goal horizon (e.g., shifting to a higher debt allocation 7-15 years before needing the money). Maintain an emergency fund and insure adequately, and gradually increase SIP contributions in line with salary growth to accelerate financial independence.
Inflation looms. How bad will it be?
Q: I am a 40-year-old Indian NRI living in Dubai with plans to fund my daughter's education and my retirement needs after returning to India. What mutual funds or allocations would you recommend given my long horizons and the need to redeem after coming back to India?
Start with investing through your NRE account since the interest is tax-free and use a long-horizon, equity-forward approach for education funding, then switch to a balanced or debt-oriented mix as you approach milestones. A suggested framework includes a 40-30-30 split across large, mid, and small caps, complemented by index funds for simplicity if you're uncomfortable selecting funds. Build a steady SIP and adjust contributions with salary hikes; keep the emergency fund and liquidity cushion intact, and plan to convert to appropriate Indian tax-resident accounts after returning.
Simple Portfolios, Richer Life
Q: Jagdish Hulgeei from Pune asks about live events and whether to worry about regular mutual fund investments that incur a 1% expense ratio difference versus direct plans.
If the advisor provides ongoing, tangible financial planning—goal setting, rebalancing, tax planning, and insurance review—that value may justify the cost; otherwise, switch to direct plans or a flat-fee advisor. The core message is to ensure the fee reflects real value and not just fund-picking; as portfolios grow, even 1% costs compound substantially, so be deliberate about who manages your money and how.
Simple Portfolios, Richer Life
Q: Deepika from Bangalore asks about the recent changes to gold ETFs and how to adjust her portfolio, which currently has 44% gold, 30% equity, 19% debt, and 5% real estate. Should she partially redeem gold and how should she deploy the proceeds?
Reduce exposure to gold gradually toward 10–15%, since a high gold weight reduces growth potential and introduces cyclical risk. Redirect proceeds into equities via a systematic plan (e.g., gradual SIP-based deployment into broad-market index funds), while maintaining a stable emergency fund and reasonable debt allocation. The advice also emphasizes not making lump-sum moves and continuing disciplined investing.
Simple Portfolios, Richer Life
Q: I am a doctor, my earnings are 2 lakh per month, I have invested one crore in equity, one crore in FD, and I have family health and personal life insurance. How much corpus should I have for retirement and for my son's education abroad, considering education costs of about 50 lakh per year later on?
You are already ahead with about 2 crore in equity and 2 crore in FDs and solid insurance; given a long runway, prioritize restructuring fixed deposits into a mix of short-term funds and conservative hybrids, preserve liquidity for emergency needs, and gradually shift growth-focused allocations. For your son's education, keep the near-term reserves in low-risk funds and gradually build the education corpus with a balanced, phased approach over 3–4 years, without touching the equity portion intended for retirement. Maintain a disciplined SIPs plan and review life coverage, ensuring it supports long-term goals.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

Listeners per Episode
Gender Skew
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Frequently Asked Questions About Let's Talk Money with Monika Halan

What is Let's Talk Money with Monika Halan about and what kind of topics does it cover?

Let's Talk Money offers practical, listener-driven financial guidance with a steady emphasis on personal finances for an Indian audience. Episodes cover macro headwinds (inflation, policy shifts), investment basics (bonds, funds, retirement planning), and practical budgeting and wealth-building strategies, often grounded in real-world questions from listeners. A standout is the host's ability to translate complex financial concepts into actionable steps, while frequently addressing reader inquiries on everyday money decisions, tax, pensions, and financial inclusion. The show likely resonates with educated, financially motivated listeners seeking long-term stability and confidence in money management, with a clear bias toward prudence over h... more

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Which podcasts are similar to Let's Talk Money with Monika Halan?

These podcasts share a similar audience with Let's Talk Money with Monika Halan:

1. Moneycontrol Podcast
2. Finshots Daily
3. The Morning Brief
4. The Daily Brief
5. Daybreak

How many episodes of Let's Talk Money with Monika Halan are there?

Let's Talk Money with Monika Halan launched 3 years ago and published 120 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on Let's Talk Money with Monika Halan?

Recent guests on Let's Talk Money with Monika Halan include:

1. Lalita Tiwari
2. Priya Shivkumar
3. Dr. V. Anantha Nageswaran
4. Ashwani Bhatia

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