A nurse deprived of her savings and dignity. An IT professional who was subjected to financial abuse. An entrepreneur who was denied a business loan simply due to her gender. These are not newspaper headlines. These were stories of women who were thwarted, denied, and excluded from access to finance and financial decision-making. We felt something had to be done. Thus was born HerMoneyTalks, India’s first one-stop financial platform for women, designed to enable financial empowerment of women. Read more
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Your Money: How Core-satellite Portfolio works
Investment approaches and strategies have simply proliferated in the last two decades, to the extent that investors tend to get confused between similar strategies. The core-satellite portfolio strategy is one such approach, which can be mistaken for the static asset allocation strategy in vogue. Let…
Floating Rate FD: Is it a Good Idea?
Next to gold, fixed deposits or FDs are the sentimental favorites of investors across India. Safety of investment and predictability of income are two reasons that have endeared FDs to investors. However, FD interest rates have remained muted over the past few years. In the…
Your Money: Measuring a Stock’s Intrinsic Value
When something is priced high, it is natural to assume it has high value. The world of investment works differently. Retail investors tend to chase highly priced stocks, glibly unaware that they may in fact be buying a stock of low intrinsic value. Value investment…
Stock Vetting: Scan Financial Ratios first
Where stock investment advice is concerned, there is no dearth of online advice, investment portals, and investment apps. However, nothing can replace your own analysis of preferred stocks and getting a first hand feel of the worth of a company’s stock. Fundamental analysis using certain…
Your Money: Is Contrarian Investing for you?
Human psychology dictates that we follow the herd to minimize dangers. This is where things can go wrong in equity investments through stock markets, and equity is often considered to be one of the most suitable choices for long term wealth creation. Here is where…
Your Money: How Static Asset Allocation works
The question that keeps most investors awake at night is, how does one decide which asset to invest in and how much? This can be answered by identifying a proper asset allocation strategy. Static asset allocation is a time-tested strategy that can provide a realistic…
Know your Rights as a Homebuyer under RERA
Despite the promulgation of the Real Estate (Regulation and Development) Act 2016 (“the Act”), many home buyers remain unaware of their rights with respect to a home purchase from a builder or developer. In this article, we shall see how home buyers in India can…
Your Money: How Total Expense Ratio affects mutual fund Net Asset Value
Mutual fund investors typically expect the Net Asset Value (NAV) of the mutual fund scheme they have invested in to appreciate in line with the market prices of the stocks and bonds held by the mutual fund scheme. When this does not happen, investors are…
Investment Planning: Stepping up your Investments with Top-Up in SIPs
This article and the educative session it is based on is a part of Femvest 2.0, and is a women’s financial empowerment initiative in collaboration with Mirae Asset. In this article, we hear from an industry stalwart on simple ways of making money work for…
Investment Planning: Five Investment Risks you Need to Factor in
Investment risk is reduced by putting your investments into different assets like gold, property, bonds and stocks. Having a portfolio of investments spreads your risk across investments that react differently to market forces, thus reducing your investment risk. Yet, investment risk does not get completely…
Investment Planning: Four Cardinal Rules of Asset Allocation
Asset allocation is a way of determining how much to invest in each of the four major asset classes—equity, debt, commodities, and real estate. Each of these asset classes come with its own pluses and pitfalls, and thus investors’ preference of asset classes may drastically…
Smart Investing: Five Behavioural Biases that Trip up Investors
Behavioural biases are one of the most common occurrences in investment decision making, yet are one of the last things on an investor’s mind. If you have ever bought gold in a rush, or purchased a stock just because all your colleagues bought it, or…
Your Money: Go for Floater Funds, Floating Rate Bonds or Market-Linked Debentures
While borrowers are rejoicing at the falling interest rates, bond investors and takers for term deposits are wringing their hands in despair. Investors depending on fixed income have seen their interest income dip in the recent past. This situation may persist for some time, but…
YOUR MONEY: Simple Steps to Building an Emergency Corpus
Lightning may not strike twice at the same place, but it certainly strikes at some point. Emergencies, similarly, are a part and parcel of life. Thus, emergency corpus is a mandatory component of one’s financial planning. However, what is troublesome is the uncertainty as to…
Golden Tips for Investing in Gold
India’s fascination for gold – the precious metal – is always on an upward trend. Read on for some great tips for investing in gold, including why buy gold, when to buy, and how much to buy. Gold has always been considered a time-tested asset…
YourStory and Yahoo feature Nisary in a 5-part Interview Series of Makers India
In this 5-part interview series under Women and Money Matters, Makers India features HerMoneyTalks founder Nisary live on financial management skills, on the need for gender budgeting, on bridging the financial literacy gap, and on Indian women entrepreneurs’ expectations from the Union Budget: 29th Jan:…
Personal Finance for the Millennial Woman
Millennials are a generational cohort that are unique in their outlook to life, preferences, opinions, and even purchase behavior. Globally, their formative experiences have had unique influences that stand them apart from any other generational cohort till date. The Millennial woman, thus, is a very…
Why Financial Awareness is a Non-Negotiable Today for Professional Success
In the 1980s and 90s, it was basic literacy that took the country by storm. In the 2000s, it was internet literacy. Today, as we see the fruits of these movements taking shape, we stand on the cusp of yet another literacy movement – that…
Why Fund Management is like a Life Hack
They say life imitates fiction. But do you know that life can imitate science too? And fund management is a science by itself. It harbors life hacks and secrets that can be harnessed to improve the quality of our life, the quality of our thoughts,…
If the Indian Woman Were a Story to be Written
Much has been written, spoken, and discussed about women, particularly when it comes to empowerment. But, seldom have we delved into our ancient history of Indian society. Seldom have we looked into the past to decipher what the future holds, or should hold, when it…
Using LEAN to Develop a Can-do Mindset
The Covid- 19 pandemic has rebooted the lives of every human being. It has reset the way people look at life, relationships, and family. Most importantly it has changed the attitude of people towards money and the actions we take concerning that. At the recently…
Is Fintech Missing the Human Element? A Hard Look
Fintech occupies pride of place and mindshare in today’s narrative of the performing sector. Riding on the back of continuously disruptive technologies like Blockchain, AI, ML, and Big Data, the Fintech sector has delivered more innovation in the last 5 years than that has happened…
Resurgent India: The Next Global Hub of Financial Services
India is one of the fastest-growing economies in the world. The country has seen vibrant innovation in the Fintech space, the digital economy has taken off after the demonetization drive 4 years back. It is also seemingly well on its way to becoming an economic…
Capital Markets: Disruptive Drivers of Financial Empowerment
Capital markets are a part of a financial system concerned with raising capital by dealing in shares, bonds, and other long-term investments. Stock markets and capital markets are where wealth is created. And where there is wealth creation, there is security, there is financial empowerment. Mr….
Equity Mutual Funds: Evaluate Risks in an Equity Fund via Beta Value
Equity mutual fund schemes are known to be riskier than debt schemes or liquid fund schemes. This is common knowledge. However, what if one wants to compare within equity mutual fund schemes to see which fund is riskier? One of the ways of doing that…
Debt funds: Know When you Should Invest in Liquid Funds
Liquidity in one’s portfolio is an investment criterion grossly underestimated by the common investor. If your investment portfolio does not have adequate liquidity to manage emergencies, running expenses, and planned contingencies, your financial plans may get thrown off track and you may end up with…
Index Funds: A Low-cost, Low-risk Investment
Equity investments usually entail volatility in price and require analytical effort not only to make a good investment but also to track it thereafter. So much so that equity has become synonymous with high risk and high effort. This need not be the case. Index…
Equity Investing: Using Momentum Indicators to Invest in Stocks
While technical indicators of stock price movements like moving averages and support and resistance levels can help identify trends in the stock markets, frequently this is not enough. These trend indicators do not forewarn investors before a trigger event occurs upon which the investor needs…
Why you’ll Never Go Wrong with Real Estate Investment
During uncertain and turbulent times, the one place that offers comfort and safety is ‘home’. With job losses and economic upheaval, paying rental for homes suddenly became a financial burden. Home loan borrowers on the other hand had an option to avail EMI moratorium making…
Life insurance: How to Calculate Returns on Insurance Policies
Many insurance products such as child plans and pension plans can take on the flavor of investments based on your objective of buying them. You may therefore want to compare the payouts to other investment products in the market, or even compare between insurance plans….
Options Trading: Know the Essentials of Call and Put Options
While investors are familiar with stock market instruments like shares and mutual funds, there is another class of investment instruments called Options, which are advanced investment instruments. While options exist for assets in the commodities market as well, we will be restricting ourselves to the…
Your Money: Know how Balanced Mutual Funds Operate
Balanced mutual funds, or balanced funds, usually are the “go to” option for most small investors. Apart from the ease of investing, the commonly held understanding is that they are safe and provide decent returns. However, both these aspects may not be true of all…
Is Gold Better than Bonds for Long-term Investment?
Gold for most Indians is not just an investment instrument but more of an emotional investment. Higher liquidity and sentimental attachment towards the precious metal make it part of just about everyone’s portfolio. Add to it the current uncertainties of the Covid pandemic and economic…
New RBI Guidelines on Loan Moratorium: What Should Borrowers do?
The current uncertainty due to the Covid pandemic is not just a medical one. It has also spilled over to the financial world, with the 6-month loan moratorium period ending on 31st August 2020. Even while the moratorium period was on, there were varying voices…
Your Money: A Few Technical Indicators that can Help Identify Market Trends
Stock markets are known to be brutal to investors who invest unscientifically or based on hearsay. While no one can predict stock price movements with certainty, it helps to take an informed decision before investing. Technical analysis of stock prices enables investors to do just…
Home Loans: Should you Switch over to Fixed Interest Rates?
Property investors, who have been sitting on cash and waiting on the sidelines for many years now, have a reason to rejoice. Their search for the “best price” may be coming to an end. Not only are real estate prices softening, but also home loan…
Transferring Money Online: RTGS, NEFT, or IMPS?
Whether you have to pay online school fees, buy groceries, or order supplies for your home-based business, transferring money online from your bank is one of the fastest, safest, and easiest modes to make payments anywhere anytime. Fund transfer from your bank account can be…
Fixed Income: Key Things to Know Before you Invest in Bonds
Conservative investors in India flock to fixed deposits when in doubt. However, fixed deposits have lost their shine of late. Interest rates have been dipping and risk-averse investors seem to be left with no options. Bonds are a good alternative in such cases, but one…
Gold as an Investment: Should you Buy, Hold, or Sell?
The concept of gold as an investment can be intriguing. When you see a man wearing a Gold face mask costing a whopping Rs.3.5 lakhs, you know you are in India. The Indian obsession for the yellow metal is no secret. Buyers consider gold as…
4 Financial Planning Mistakes you Should Avoid in the post-Covid World
Living in a Covid-induced lockdown world is emerging as a challenge for virtually everyone. Be it a business owner fighting liquidity crunch or a salaried individual worried about job loss or salary cuts, the times are uncertain and challenging. On the other hand, financial plans…
Investment Tracking: Four Performance Metrics for your Investments
There is a secret sauce to not worrying about how your investment portfolio is doing. That is to have no portfolio in the first place. Other than that, every investor worries about his or her investments, and needs to indulge in some investment tracking. However,…
Stock Market Investment: Top 4 Sectors to Invest in Right Now; Here’s Why
Sectoral investing is a time-tested way to not only diversify your holdings but also take advantage of sector-specific trends to suit your stock market investment objectives. As the overall economy remains subdued under the current slowdown, certain sectors are showing signs that they may be…
Protecting Returns: Do’s and Don’ts of Portfolio Diversification
In the investment world, high returns are almost always accompanied by high risk. So, what if you want to protect your returns but minimise your risks? This question dogs every investor, small or big. Diversification is an investment strategy used to spread the risks across…
How to Build DIY Insurance Corpus
Thirty-year-old Kanika was in search of a cost-effective insurance plan for health and life coverage. She had heard about bite-sized insurance plans that promised such coverage at very affordable “per day” rates. To her surprise, she found just such a plan online that offered Rs…
Investing in fluctuating markets: Buy, hold, or exit?
The first quarter of 2020 witnessed a bloodbath on the bourses. From a high of 41,952 on 14th January, 2020, the stock markets plummeted to a low of 39-month low of 25,981 on 23rd March, 2020. The last time the BSE Sensex had been at…
What is Opportunity Cost and How it Can Help you Take Better Investment Decisions
Investing is all about parking money in a financial product or economic vehicle in the hope of making more money than what was invested. Investors usually factor in many criteria—like returns or holding period or riskiness—to make that decision. What if there were some hidden…
How To Buy Life Insurance Under The Married Women’s Property Act
Your lenders could snatch away the money from your insurance policy when you are no more. Want to avoid this? Get your policy under MWPA.
How Free Investment Advice can Ruin you
When you pay for something, you are naturally cautious about what you are buying. However, when it comes to something offered for free, there is a risk of throwing all caution to the wind. Free investment advice may be one such area. Recently, the Securities…
Is Bharat Bond ETF a Good Investment Bet? Here is What you Need to Know
Recessionary undercurrents and uneasy markets are pushing investors towards more secure, liquid investment options. The launch of the Bharat Bond Exchange Traded Fund (ETF) offers one such fixed income investment option, a first-of-its-kind in the Indian market. The New Fund Offer (NFO) of the Bharat…
A Loan in Need is a Loan Indeed
If you got a need, the bank’s got that loan. We aren’t kidding! Check out these 5 loans that you might want to take. We, Indians, started taking loans from informal lenders decades ago. Now that things are instant, there is a loan for everything…
From Auto to BFSI, Four Sectors under Stress: Invest or Avoid in 2020?
2019 was an eventful year for the markets for good and bad reasons. While the Sensex and the Nifty touched new highs, we saw some Non-Banking Financial Companies (NBFCs) struggling to stay afloat and some banks wading through cash crunches. With India’s Gross Domestic Product…
MCLR or External Benchmarks: Which is Better for Loans
As part of a structural change to make banking more robust and transparent, the Reserve Bank of India (RBI) has directed banks to adopt an external benchmarking mechanism starting 1st October 2019. Amid the new regulations, all banks will now finalize interest rates on floating…
Investing in a Company’s Stock? Here’s Why You Need to Study its Parent First
Rithika had invested Rs 1 lakh in the shares of a telecom major. After seeming to do well for about a year, the share price started plummeting alarmingly. Within no time, Rithika’s investment value dropped to Rs 60,000. She could not understand why the stock…
Are You a Risk Seeking Investor? Here’s How to Find Out
Ask any investor what is her main fear while investing and her response will point towards the fear of losing money. In other words, investors fear the risk of investment, which is the likelihood of not getting returns on the principal amount invested, or even…
Why You Need an Indemnity Insurance
A health insurance plan must be selected after understanding one’s needs and risks. For some, it may be about the final premium outflow while for others it may be getting coverage for a certain high risk disease that may run in the family. Rising costs…
How to Build a Balanced Investment Portfolio Based on your Risk Appetite
If you have ever sat down with a financial planner, or even read any of the numerous investment articles that the internet is peppered with, you will be bombarded by an avalanche of so-called investment rules of thumb. You have the ‘100 minus your age’…
Lessons From the Coffee Day Financial Meltdown: What an Investor Should Watch Out For
After the tragic demise of coffee king VG Siddhartha (VGS), a line in his last letter came to light wherein he admitted to “failing as an entrepreneur.” The irony was not lost on India Inc. His success as an entrepreneur is what made Café Coffee Day…
Is a Crashing Market a Good Time for Mutual Fund Investors to Exit?
With the Indian stock markets tumbling in recent months, many equity portfolios are in the red and investors are understandably concerned. Nifty is already well below the 11,000 mark, and may well be close to the 9,000 mark effectively if one excludes the top 10…
4 Ways to Beat Falling Insurance Cover for Deposits
A deposit is one of the most tested small-savings instrument for retail investors. It is risk-free, making it one of the safest financial products. Well, not quite. What happens if the bank where you have parked your deposit gets liquidated or folds up due to…
How to Use Net Present Value in your Investment Planning
Rajyavardhan has a 10-year-old son who is very inquisitive about money. Wanting to test his son’s savviness, he showed his son a Rs 2000 note and gave him a choice: his son could either opt to take the note immediately; or, he could take it…
Why Time Value of Money is Important in Financial Planning
If you thought demonetization was a big game-changer and destroyed the value of money in huge chunks, there’s a bigger game-changer on the horizon. This game-changer dwarfs demonetization when it comes to eroding the value of money. It is called time. Time can wreak havoc…
4 Money Management Hacks for Single Indian Women
Being single is usually seen as the doorway to freedom and independent decision-making. However, when it comes to money management, being single can have its own pitfalls, more so if you’re a woman. As per a study conducted by women-centric financial services platform Hermoneytalks.com, 54%…
Contrarian Investing: The Witch of Wall Street tells you How!
Known as the “Oracle of Omaha”, Warren Buffet remains one of the most storied and consummate investors of Wall Street. The third wealthiest man in the world by net worth, he is synonymous with contrarian investing – the art of going against the herd when…
How Alimony is Taxed in India
Rajiv and Anita had been married for ten years. Due to certain irreconcilable differences that cropped up between them, they decided to separate. Apart from the physical and mental toll that divorce proceedings inflict on both partners, Anita also had to sort out the complex…
Why Women Shy Away from Taking Personal Loans
Personal loans can be very handy in times of financial deficit or emergency situations like sudden hospitalization. This can be even more so for Indian women as they seem to be earning less, spending more on medical expenses, yet receiving less insurance protection over time….
4 Little-known Insights into How Women in India Manage Money
One woeful stereotype that has persisted over the years has women unable to skillfully drive vehicles on roads or park them properly. Similarly, another prevailing stereotype of women insists that women and money management do not sit well with each other. On the other hand,…
The Ultimate Guide for Women on How to Save Money
“The art is not in making money but in keeping it,” goes the famous proverb. Clearly, our ancestors valued saving money for a rainy day. Today, with sizzling economies and skyrocketing paychecks, the financial paradigm has witnessed a silent shift from “how to save money”…
Why Women Feel They Don’t Know How to Manage Finances
First off, women do know how to manage finances. So the skill is in place. The confidence? Not so much. So, what’s holding back the woman of today when it comes to money management? What’s stopping her from turning on a dime and grab the…
How to Check if Your Aadhaar is Active Online
Recall the times you may have spent taking time off for your Aadhaar card registration process? But all of it may come a cropper if UADAI, the registering body for Aadhaar card de-activates your card.
Which of the 6 Types of Women Spenders Are You?
Women can be fierce savers. Or intuitive spenders. Or any of the zillion types of spenders out there. In fact, each women is unique in her approach to expenditure. Yet, all women show commonality too. We’ve brought out 6 types of women spenders – guess…
Essential Financial Planning Before Starting a Business
While taking the plunge for a new venture, ideally your financial health should fuel more fire into your passion. My financial planning before starting a business began much before I was out of my full time job. It was a mentor who pointed out how…
All You Needed to Know About Types of GST Returns and Their Due Dates
Much has been written about over explaining the Goods and Services Tax (GST) regime and what it means for businesses. Even after all these many entrepreneurs remain largely clueless about the “Good and Simple Tax’ as called by Prime Minister Narendra Modi. So here’s all…
Women and Investments: Are Women the “Reluctant” Investors in MF?
I write about money and personal finance on social media channels like Facebook and Twitter. Recently a lady commented on a Facebook post wherein she wrote, and I quote, “I have invested in Mutual funds before and have had a bad experience. So I don’t…
Best Life Insurance Plans For Women In India
When you think about life insurance, the first thought will be for taking an insurance for the man of the house or a child plan. But in today’s era, a woman’s contribution to the household income is very important to maintain the lifestyle and for…
Best Health Insurance Plans for Women in India
Women have greater longevity and have different health issues. But in most households they are covered in family floaters held by husbands.
Are Women in India Under Insured?
Women are proactive homemakers and are good with budgeting and savings. Surprisingly, when it comes to investing in their own future or health, Indian women
Benefits of Buying House in Wife’s Name
Buying a property is one of the biggest financial decisions in our lives. Some home buyers look at the option of buying a house in the name of the lady of the house. Be it for lady luck, or for some financial benefits, buying a…
Best Personal Loans for Women
A financial emergency can befall just about anyone. It could be a heavy hospital bill not covered by insurance. Or a sudden business loss. Or just about anything else that women confront. At such times, look no further than personal loans for women. When faced…
LTA Explained: Everything you need to know about Leave Travel Allowance
A vacation with family can be exciting and super fun. But did you know that you could get some tax incentives too? The magic word is Leave Travel Allowance. Not many of us make best use of the Leave Travel Allowance (LTA). LTA helps financially…
10 Kids Savings Accounts in India to Choose From
Parents can give an arm and a leg for their children’s security and future. So, saving money for their future tends to be high on their list of priorities – no surprises there! Opening kids savings accounts in India can be one of the best…
10 Best Credit Cards for Women in India
When women have their own needs and purchase patterns, shouldn’t credit cards follow suit? They indeed do. Today, there are tons of credit cards for women in India that offer the best shopping experience. No wonder women are laughing all the way to the shopping…
5 Steps to Rebuild your Financial Life Post Divorce
Divorce can be a life-changing experience in more ways than one. Not only are the relationships and families impacted, but your finances, too! So, amid thorny divorce proceedings, how do you come out unscathed? How do you rebuild your financial life post divorce? Luckily, help’s…
How Women See Taking A Business Loan
Turned down for a credit line for your startup? Chances are higher that you are a woman entrepreneur, in that case. Taking a business loan remains an incredibly hard task for women even today. Women entrepreneurs are accelerators of economical growth, but accessing capital is…
6 Financial Planning Decisions Every Woman Must Make
Whether you are a multi-tasking homemaker, a busy career woman, or a superwoman juggling home and career, financial planning decisions are something that you cannot elude. So, what are the top 6 financial planning decisions every woman must make, regardless of whether the goal is…
5 Unknown Facts About Sukanya Samriddhi Yojana
Sukanya Samriddhi Yojana is one of the popular investment options catering exclusively to the financial future of the girl child. The lucrative interest rate component (currently 8.1%), the tax deductions under Section 80C, and tax-free returns, all make the scheme a great investment tool. While…
5 Money Conversations Between a Couple
Money conversations between a couple are probably the most understated of all activities that scream togetherness. Money is not the root of all evil, but it can sure have disastrous consequences for a couple that fail to see eye-to-eye on income and expenditure. Sure, money…
5 Essential Money Talk Mothers can have with Kids
Are parents, especially mothers, too soft when it comes to talking money with children? As a generous mother, you want to give them everything they want, and you can’t discipline them. “Kids are very smart these days” is a clichéd, but oft quoted, parent say…
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PAST EVENTS
Femvest 2022
The 2nd edition of our flagship event Femvest, a one-of-its-kind e-summit for women’s financial empowerment. The theme of the event this year was to #stepout. The event was organized in association with Mirae Asset Mutual Fund, our Event Partner.
2 days of insightful talks, energizing panel discussions, and educative sessions.
Femvest 2022
The 2nd edition of our flagship event Femvest, a one-of-its-kind e-summit for women’s financial empowerment. The theme of the event this year was to #stepout. The event was organized in association with Mirae Asset Mutual Fund, our Event Partner.
2 days of insightful talks, energizing panel discussions, and educative sessions.
Femvest
FEMVEST is a first of its virtual summit of women leaders for women’s financial empowerment: to inspire and help women take active interest and make informed investments. HerMoneyTalks collaborated with BSE and CII-IWN to bring to life this unique smorgasbord of talks, fireside chats, panel discussions, and educative sessions to kickstart a journey of financial empowerment of women in a real way.
Femvest
FEMVEST is a first of its virtual summit of women leaders for women’s financial empowerment: to inspire and help women take active interest and make informed investments. HerMoneyTalks collaborated with BSE and CII-IWN to bring to life this unique smorgasbord of talks, fireside chats, panel discussions, and educative sessions to kickstart a journey of financial empowerment of women in a real way.