Temperament by 1 Finance

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19People are naturally optimistic, and that positivity helps them enjoy life, love, and even try new things like tasty cheeseburgers or space exploration. But this optimism has a downside, especially when it comes to getting ready for tough times in the future.Sometimes, our hopeful outlook on the future makes us forget to plan for unexpected money problems. Depending only on being optimistic without preparing enough is a risk that many of us can't afford.So, it's important to find a balance by being practical. That's where understanding insurance comes in handy.In the first part of the episode, the things to consider before selecting the insurance cautions against relying too much on work insurance plans, and discussed common mistakes people make with health insurance."*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19In the initial segment of the episode, we explored key considerations before choosing insurance and common mistakes often made in health insurance.If you haven't listened to part 1 yet, we strongly recommend doing so before proceeding to part 2.In the subsequent part of the episode, we delved into topics such as the tax benefits linked to insurance premiums, the cautionary aspects of depending on multiple insurers for cashless claims, and the psychological factors that influence decisions related to insurance."*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19Social media has become a big part of our daily lives, whether we're enjoying content from our favorite brands, shopping live, or trying on things virtually. Thanks to the widespread use of the internet, there are now 467 million social media users in India, and 89% of them are active every day.A survey found that in the last year, U.S. adults spent a whopping $71 billion on impulse purchases influenced by social media. This is more than the GDP of countries like Slovenia, Ghana, or Jordan. Surprisingly, 57% of these impulse buyers regretted at least one of their purchases.This brings us to an important question: How does social media affect our spending habits psychologically?In the first part of our episode, we talked about how social media shapes the way we make choices, the excitement created by marketing, and the importance of ethical considerations when businesses use social media."*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL, and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19 In the first part of the episode, we talked about how social media affects the choices we make, and why it's important for businesses to be ethical on social media.If you haven't heard Part 1 yet, we highly recommend you check it out before delving into Part 2.In part 2, we discussed what makes people buy things, how influencers on social media work, and why it's important to be careful about creating fake excitement."*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19 According to the India Retirement Index Study,  more than 80% of urban Indians fear they will run out of money in retirement and 59% of urban Indians believe their savings won’t last even 10 years in retirement.Hence, it becomes important to consider retirement planning as a crucial part of financial planning, especially our parent's retirement. Parents often make significant sacrifices for their children, going above and beyond to meet their emotional needs and provide the best possible education. Although it's impossible to fully repay them for their efforts, expressing gratitude through a thoughtful retirement plan could be a meaningful gesture and will allow them to enjoy a life of respect and dignity without compromise. In the first part of the episode, we discussed the importance of planning for retirement, the challenges of retirement planning in India, and emerging trends in retirement planning. "*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19In the first part of the episode, we talked about the specific challenges India deals with when it comes to retirement planning. We also highlighted why it's crucial to include retirement planning in your overall financial strategy.If you haven't checked Part 1 yet, we recommend checking it out before moving on to Part 2.In the second part, we discussed important goals for both the short and long term that individuals and families should think about when getting ready for retirement. We also looked at how planning for parents' retirement involves estate planning. Lastly, we tackled the challenges families might face when talking about a retirement plan and shared some tips on how to handle these challenges."*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Artificial Intelligence or AI has the potential to revolutionize various industries by reshaping fundamental aspects, from business models to value chains. However, few industries rely on AI’s foundation, that is data, as profoundly as the insurance industry. While technology offers significant advantages, it also introduces inherent risks that demand careful consideration. These risks encompass issues like bias, discrimination, exclusion, transparent data usage, privacy concerns, and the need for clear explainability.In the first part of the episode, we will explore the transformative impact of AI on the insurance sector. We will delve into how AI is revolutionizing underwriting processes, predictive analytics, and dynamic pricing, ultimately leading to more efficient systems for insurers and lower premiums for policyholders."*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

In the first part of the episode, we explored the transformative impact of AI on the insurance sector, highlighting the substantial changes it has brought about. If you haven't checked the part 1 we highly recommend you to give it a listen before delving into part 2. In the second part of the episode, we will discuss positive changes and risks associated with AI in insurance. We will also delve into legal provisions addressing bias and fairness in AI for insurance in India." *Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19In this episode of Temperament, we have tried to make Real Estate and Tax Planning an interesting subject. Now you will be questioning how it can be made interesting. In the first part of the episode we have shared two predominant things: First, we have broken down tax calculations in the simplest manner, ensuring that you truly understand them. Second, we have shared some secret strategies for saving taxes on your real estate. In addition to this, we have also demystified the current tax regulations and incentives, making it not only comprehensible but also revealing some secret strategies for saving taxes on your real estate.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19 In the first part of the episode we have broken down tax calculations in the simplest manner and demystified the current tax regulations and incentives. If you haven't checked the part 1 we highly recommend you to give it a listen before delving into part 2. In the second part of the episode, we have covered the tax implications of selling real estate. Details on Section 54, Tax Implications for NRIs, and discussed how GST (Goods and Services Tax) affects property transactions, especially for under-construction properties.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19To understand the physical world, physicists study both big and small things. The big things include planets, stars, and galaxies, while the small things involve atoms and particles. There's a clear connection between the big and small, showing how everything is linked.Likewise, understanding your finances means looking at both small and big aspects. Small details include daily money choices, and big things involve broader economic factors like jobs and inflation, often discussed in news and government debates.Hence, in the first part of the episode, we talked about India's Macroeconomic Situation the global economy, and what the Reserve Bank of India might do based on global interest rates.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep19 In the first part of this episode, we explored India's macroeconomic landscape and delved into the global economic scenario. If you haven't had the opportunity to catch Part 1, we strongly encourage you to do so before moving on to Part 2.In the second part, our focus shifted to the realm of long-term investment strategies. We delved into the essential role of bridging the gap between personal finance and macroeconomics. Additionally, we discussed the nuanced art of managing risk, emphasizing the importance of adopting a disciplined approach and implementing a well-considered asset allocation strategy. The conversation also encompassed practical advice for investors, highlighting the significance of emotional detachment and the wisdom of aligning investments with specific goals.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep18In 2023, India's housing market saw significant growth, setting new records in home sales despite global economic challenges. Anarock Research revealed that more than 349,000 units were sold in the top 7 cities in the first nine months, reaching a peak in Q3 2023, despite a noticeable 11 percent increase in average property prices. While the data indicates positive growth in the housing market, it's essential to understand the reasons behind this growth and the factors to consider before making real estate investments for maximum profit. Therefore, in the first part of the episode, we discussed financial budgeting for property investment and ways to reduce risks in residential real estate investments."*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep18 In the first segment of this episode, we explored the financial aspects of investing in residential properties, delving into budgeting strategies and risk mitigation techniques. If you haven't had the chance to listen to Part 1, we strongly advise you to do so before proceeding to Part 2. In part 2, we turned attention towards the legal facets of residential investments. We examined the relevance of the Real Estate Regulation Act (RERA) and also delved into considerations that extend beyond the legal realm, encompassing factors like the property's location and potential emotional or psychological influences that should be taken into account before making a purchasing decision."*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep17Have you ever wondered why only a select few consistently make precise decisions in stock investments?In this episode, we answered this question. A proficient investor possesses the ability to thoroughly analyze the performance of a specific company.Hence, in the first episode, we explored the process of evaluating a company's performance and financial health before committing to an investment. In essence, we delved deep into the fundamental analysis of a company.We broke down the steps to calculate and understand key metrics like return on equity, debt-equity ratio, and interest coverage ratio.And also provided an overview of the financial statements, including the profit and loss account, balance sheet, and cash flow statement.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep17In part one, we laid the foundation by understanding the fundamental analysis of the company and delved into the nitty-gritty of how you can guide your investment decisions.If you haven't checked the part 1 of the episode we highly recommend you to check the first part of the episode before delving into part 2. In part 2 we focused on how the management prepares financial statements, navigates fluctuations, upholds investor sentiment, and how you can identify fraudulent activities in financial statements for wiser investment. *Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep16According to the National Bureau of Economic Research, there have been 34 business cycles between 1854 and 2020, with each full cycle lasting roughly 56 months on average.The 2008 financial crisis and the COVID-19 pandemic in 2020 are more recent examples of bust periods. These cycles are influenced by various factors such as technology, global events, and people's confidence in the economy.Hence to understand economic cycles better, in the first part of the episode, we discussed factors influencing economic cycles such as inflation, employment figures, trade balances, etc, and the importance of understanding economic principles for financial well-being.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep16In the first segment of the episode, we explored the factors that shape economic cycles and underscored the significance of comprehending economic principles for one's financial health. If you haven't already, we strongly advise you to listen to part 1 before delving into part 2.In the second segment, we delved into strategies for navigating economic fluctuations, balancing the opportunities and risks linked to investments during downturns, and the importance of updating job skills alongside personalized financial planning.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep15Despite challenges in the global commercial real estate market, India has been growing consistently, going against the trend. A report by Mordor Intelligence states that India's Commercial Real Estate Market is currently around $33.62 billion and is expected to reach $87.57 billion by 2028.This growth is driven by a few factors: India's strong local demand, the availability of good real estate at lower costs, its reputation as a global tech and research hub, and a thriving startup culture.But how this growth affects regular people like us and how we should plan our investments. In the first part of this, we looked at the state of commercial real estate in India and discussed what factors to consider when investing in this market.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.

Get holistic financial planning with 1 Finance - https://1finance.onelink.me/5Kxt/otep15In the first part of the episode, we delve into the factors one should consider before venturing into commercial real estate investments. If you haven't listened to Part 1, we highly recommend doing so before proceeding to Part 2.Now, there are several other ways to invest in commercial real estate without significantly depleting your bank account.Therefore, in the second part of this episode, we explore new emerging trends in commercial real estate investment, including Real Estate Investment Trusts (REITs) and exit strategies.*Disclaimer: Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.Registration granted by SEBI, membership of BASL and certification from National Institute of Securities Markets (NISM) in no way guarantee performance of the intermediary or provide any assurance of returns to investors.Quotes or authorisations in this podcast are provided solely for educational purposes and relate to third-party products.