Video Description

In this special episode of Moneytalks by Groww, join personal finance expert Monika Halan — bestselling author, trusted financial educator, and Chairperson of SEBI’s Investor Protection and Education Fund Advisory Committee — as she answers real, relatable questions on money management, retirement planning, and investing, especially for young professionals and couples navigating their financial journeys together. Money often becomes a sensitive and painful topic between couples, especially during separations. Monika shares why open, honest conversations about spending habits, asset ownership, and financial planning before marriage are crucial to avoid conflicts and protect everyone’s rights. Wondering why PPF is the first investment many young Indians pick? Monika explains the importance of having a solid emergency fund first, how much to invest in PPF versus equity mutual funds, and why long-term commitment pays off despite the 15-year lock-in. She also breaks down the difference between PPF and NPS, the pros and cons of each, and how to balance your portfolio with large-cap, mid-cap, and small-cap funds. Learn why it’s important to stick to your asset allocation and not frequently switch funds. Timestamps: 00:00 – Highlights 03:35 – How should couples plan their finances? 07:31 – What about parents and real estate investment? 15:58 – What is the process to claim money from unclaimed accounts after death? 18:12 – What should be the size of an emergency fund? 20:39 – What are your thoughts on PPF and NPS for retirement savings? 23:26 – How should saving and spending ratios differ by age? 26:05 – How to balance work-life and plan for early retirement? 30:43 – How to upskill and integrate AI in your working life? 33:17 – Why is tax burden on middle class high and how is the new tax regime? 38:01 – What is the ideal equity asset allocation and investment mindset? 41:03 – What is the role of gold in an investment portfolio? 41:54 – Final takeaway and closing remarks About Groww Groww is India’s Best Investment App and the Largest Stock Broker. Find us here: Android app: https://app.groww.in/v3cO/f9o4prne iOS app - https://app.groww.in/v3cO/tu0yrc3e Website - https://groww.in/ RA disclaimer link: https://groww.in/p/sebi-research-analyst-regulations For more finance content on stock market, personal finance, investing, watch our top playlists (recommended watch): 👉 Market ki Baat Groww ke Saath: https://www.youtube.com/playlist?list=PLEpfe0kiOwWoYT6T_TrGTTzVUSOEoQDgj 👉 Intelligent Investors: https://www.youtube.com/playlist?list=PLEpfe0kiOwWp9dK_l7OWnpDM4rj-hn4R- 👉 Groww Alerts: https://www.youtube.com/playlist?list=PLEpfe0kiOwWoNd_csoSmqj9CZU8bQ4vMe 👉 IPO Review: https://www.youtube.com/playlist?list=PLEpfe0kiOwWrjL9kwUTxtZsAfuyDWC5R0 👉 Monopolish stocks: https://www.youtube.com/playlist?list=PLEpfe0kiOwWrB71iTSxLhpIhkdNWDUau5 👉 Groww Xplained (case studies): https://www.youtube.com/playlist?list=PLEpfe0kiOwWqK3MYZR0oye0jNomKDutyQ 👉 Sector Spotlight: https://www.youtube.com/playlist?list=PLEpfe0kiOwWr-wtvmdmh9M3jAwiDpDu64 👉 Stocks Fundamental Analysis Series: https://www.youtube.com/playlist?list=PLEpfe0kiOwWrXnxCtZ_gNIHJvTk9Hu9WQ 👉 Viral Reacts: https://www.youtube.com/playlist?list=PLEpfe0kiOwWqWcteDPi8ji7fQ-Cu47Cid Follow us here on other channels: 🔔 Mutual Funds at Groww - https://bit.ly/3zQpR32 🔔 Trading with Groww - https://youtube.com/c/TradingwithGroww 🔔 Groww plus - https://www.youtube.com/c/Growwplus 🔔 Groww Kannada - https://bit.ly/3ekyeKP 🔔 Groww Tamil - https://bit.ly/3cbhN3Z 🔔 Groww Telugu - https://bit.ly/39aLpwC 🔔 Groww Malayalam https://bit.ly/3enG2LV 🔔 Groww Gujarati - https://www.youtube.com/@GrowwGujarati 🔔 Groww Marathi - https://www.youtube.com/@Groww.Marathi 🔔 Groww Insurance Academy - https://www.youtube.com/@GrowwInsurance 🔔 Get to Know Groww - https://www.youtube.com/@Gettoknowgroww 🔔 Ipo review by Groww - https://www.youtube.com/@iporeviewbygroww Follow us on: Facebook: https://www.facebook.com/growwapp/ Twitter: https://twitter.com/_groww Instagram: https://www.instagram.com/groww_official LinkedIn: https://in.linkedin.com/company/groww.in Telegram: https://t.me/GrowwHQ Stock market investing content in Hindi | Finance content in Hindi | Personal finance content in Hindi Investment in securities market are subject to market risks, read all the related documents carefully before investing. If you have any concerns with respect to Groww, please feel free to write to us at [email protected] or you can call us at +91 9108800000. #groww #growwapp #finance #investing #stock market Research Analyst disclaimer: https://groww.in/p/sebi-research-analyst-regulations