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Artwork for Let's Talk Money with Monika Halan

Let's Talk Money with Monika Halan

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

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

PublishesWeeklyEpisodes130Founded3 years ago
Number of ListenersCategory
Business

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Artwork for Let's Talk Money with Monika Halan

Latest Episodes

In this episode, Monika shares what she learnt from speaking to Naval personnel across the Southern Command in Kochi about building financial freedom alongside a career in the forces. She explains why those in uniform have already solved some of the ... more

Have your salary hikes felt smaller than expected despite years of hard work? In this episode, Monika analyses a decade of Income Tax Return data to explain why India's salaried middle class feels financially stuck. While more people have moved into ... more

Financial safety isn't about having the highest net worth or the perfect asset allocation—it's about sleeping well at night. In this episode, Monika explores the everyday financial fears that people live with, from job loss and medical emergencies to... more

In this episode, Monika explains why many long-duration debt funds, especially gilt funds, disappointed investors despite the RBI cutting interest rates. She unpacks the relationship between repo rates, bond yields and bond prices, and explains why g... more

Key Facts

Contact Information
Podcast Host
Number of Listeners
Find out how many people listen to this podcast per episode and each month.

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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; provides financial guidance and answers listener questions.

Reviews

4.7 out of 5 stars from 326 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
    India3 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.

Appreciates accessible advice on retirement, mutual funds, and insurance.
The host explains concepts with relatable examples and listener Q&As.
Clear, practical financial guidance that stays grounded in real life.
Consistently helpful for long-term planning and avoiding risky bets.

Chart Rankings

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

Spotify
#160
India/Trending
Apple Podcasts
#201
India/Top Podcasts
Apple Podcasts
#35
India/Business

Talking Points

Recent interactions between the hosts and their guests.

Do You Feel Your Salary is Stagnating?
Q: What about overseas allocation and the Gift City route for Indian investors wanting international exposure?
It's advisable to consider a foreign allocation of about 10-15% of the overall portfolio, implemented via Indian mutual funds that invest in overseas indices or through Gift City routes where feasible, while maintaining diversification across large, mid, and small caps and avoiding overconcentration in a single market.
Do You Feel Your Salary is Stagnating?
Q: Should you sell the current house and move to something in a better part of town to unlock capital, given the current yield is around 1.4%?
Selling to unlock capital can be a sensible move if you can reinvest into a carefully balanced debt and equity portfolio, avoid scams, and partner with a trusted adviser to manage the transition; ensure retirement plans remain funded and avoid overexposure by gradually building in a diversified mix.
Do You Feel Your Salary is Stagnating?
Q: I need some clarity on debt mutual funds. If I invest in an ultra-short duration fund and exit on the 50th day, what happens to my returns?
Redemption before the fund's suggested hold period can lead to slightly lower or more volatile returns due to ongoing interest rate movements and fund expenses not yet fully offset; staying longer aligns with the portfolio's maturity, resulting in smoother performance, and there is no lock-in—investors can redeem anytime but should match horizon with bond maturities.
What Went Wrong with Some Debt Funds Last Year?
Q: I'm planning to start my investment journey through a SIP of 5000 rupees per month. As a beginner, I want to build long-term wealth in a disciplined and simple way, but I'm confused about which mutual funds to choose. What should I do?
Begin with foundational reading and a framework rather than chasing quick picks. Start with established resources like Let's Talk Money materials to understand cash flows, emergency funds, and core asset allocation. Build a simple, diversified plan (e.g., core equity and core debt funds aligned to goal timelines) and then gradually add funds as you gain clarity, while avoiding over-concentration in a single category.
What Went Wrong with Some Debt Funds Last Year?
Q: Does this seem like a reasonable strategy?
Yes, using a three-pool approach with equities for growth, debt for stability, and a contingency pool (like PPF or fixed deposits) for tax-advantaged stability can be sensible. The key is to ensure you're not timing rate cycles and to align decisions with long-term goals and risk tolerance.

Audience Metrics

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

Listeners per Episode
Gender Skew
Location
Interests
Professions
Age Range
Household Income
Social Media Reach

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?

This show centers on practical personal finance with a strong focus on long-term planning, disciplined investing, and safeguarding against market volatility. Across episodes, topics like emergency funds, debt and retirement planning, mutual funds (including SIPs), inflation, insurance, and regulatory guidance frequently surface, often shaped by listener questions. The host blends relatable anecdotes with actionable frameworks, emphasizing simplicity, goal-based decision making, and skepticism toward quick, high-risk moves. A notable strength is its clear emphasis on behaviorally informed strategies and situational tips tailored to Indian households, making complex financial concepts more approachable for a broad audience. Potential listener... more

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

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1. Moneycontrol Podcast
2. Finshots Daily
3. The Daily Brief
4. The Morning 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 130 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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