Riding Out the Economic Downturn with Mutual Funds | Episode 3

The pandemic has left the equity market in a bad shape. Data reveals that this is perhaps the worst decade for equities, with point-to-point returns showing them in a poor light. In such a situation, equity naysayers might be quick to point out how FDs are better than equities. But does that hold true in the long run? What is the ground reality? How should investors stay optimistic amid all the predictions?

Join us for a discussion, where experts decode the road ahead for equities. On the panel are A.Balasubramanian, MD & CEO, Aditya Birla Sun Life Mutual Fund, and Saurabh Mukherjea, Founder & Chief Investment Officer, Marcellus Investment Managers. Monika Halan, Consulting Editor, Mint, is the moderator. #mutualfundmantras

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Opinion | Real estate will cost up to 50% less, minus bribes

As you pass through a beautiful museum at an airport on the way to your flight, you would stop to admire the sculptures, the paintings, the wall art and murals that make for such compelling beauty and atmosphere. But a former Airports Authority head once stopped me midway in my appreciation of this wonder to burst the beauty bubble. When project costs are mapped closely, art is a great way to inflate costs. Who knows how to value art, he said succinctly. Then it is a matter of connecting dots to figure out what he really said. The cost of expensive infrastructure is paid by the users finally in different ways. One way is the “user development” fees, which ranges from a few hundred to a few thousand over the past years. The latest rates are here.

We know intuitively that we pay for corruption in many ways, but the cost of graft in anything linked to real estate has the potential to cost not just a few hundred rupees to those who have the capacity to afford a flight, but far more. The worst hit is the roof-over-the-head-seeking homeowner who gets priced out of the market or thrown to distant suburbs with poor amenities. The story of residential real estate can be summed up in three words: stuffed or starving. In the premium segment, there is an oversupply, and in the affordable housing segment, there is a demand overhang estimated to be about 10 million units in 2019 and a supply overhang of about 13 million units in the premium and luxury market. What people want they don’t build. What they build, people don’t want. The key to the story is the price.

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Money with Monika S4 E16 This or That?


Money with Monika: The Corona Conversations

Tough Money Choices


The #Covid19 pandemic and the consequent economic crisis are forcing everyone to make tough financial choices. Should you switch from a debt fund to a bank deposit? Should you get out of the equity market? Watch #MoneyWithMonika with



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Adhil Shetty interviews me on tough money questions

Three toughest money management questions during Covid-19

CEO of Bank Bazzar speaks to me on these 6 questions:

  1. Debt funds or bank FDs
  2. Get out of equity?
  3. SIP or EMI?
  4. EMI or moratorium?
  5. Moratorium or premium?
  6. Moratorium is over, now premium is due – what now?






Money with Monika S4 E15 My equity outlook

Money With Monika: How can India’s GDP get back on track? | Corona Conversations
The Covid-19 pandemic has dealt a severe blow to the Indian economy which was already grappling with a deepening slowdown. Now, India’s Gross Domestic Product is estimated to contract by around 5% in the current financial year. The economy will have to grow by 11% in order to get back to the FY20 level. While India has done better than many developed countries in the services sector, our manufacturing potential is yet to be adequately utilised. This is one avenue which can help India not just recover from the Covid-induced economic crisis, but also grow stronger in the long run. But how can the country achieve this? Watch Monika Halan explain the various changes that can help India become the world’s manufacturing hub. Monika Halan is consulting editor, Mint, and author of the book ‘Let’s Talk Money’.
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