Your portfolio is a lot like your wardrobe. If you never clean it up, rebalance it, or remove what no longer fits, things quietly go out of control.

In this episode of Moneywise, we break down portfolio rebalancing in simple, no-jargon language. From why ignoring rebalancing can slowly distort your mutual fund portfolio to how often it actually needs attention, this conversation cuts through the confusion without fear-mongering or flashy claims.

We talk about what rebalancing really means, how asset allocation drifts over time, and why a portfolio that once made sense may no longer match your goals today. Whether you’re new to mutual funds or already investing through SIPs, understanding how to rebalance a mutual fund portfolio is a core skill many investors overlook.

If you’ve ever wondered how one should do rebalancing in mutual funds or struggled with how to rebalance and analyse a mutual fund portfolio, this episode helps you think through the logic calmly and clearly. No shortcuts. No hype. Just a smarter way to look at your investments.

Chapters:
00:00 Intro
01:13 Understanding Rebalancing
03:49 When to Rebalance?
06:12 Rebalancing Method
07:53 Rebalancing Mistakes
10:00 Recap

Think of diversification in mutual funds like food choices. Eating the same pizza for breakfast, lunch, and dinner every day gets boring and unhealthy. But trying 50 different dishes in every single meal? That’s chaos. The sweet spot is a balanced plate, and investing works the same way.

In this episode of Moneywise, we break down the real meaning of diversification and why many investors unknowingly fall into over-diversification in mutual funds.

More funds nay not always mean more safety. In fact, the disadvantages of over-diversification in mutual funds often include unnecessary complexity, overlapping holdings, and diluted outcomes.

Through simple analogies and clear logic, we explore how to think about diversification the right way, especially for mutual funds for beginners and anyone starting mutual funds and SIP for beginners. No jargon, no hype, just a practical way to understand how balance matters more than quantity.
Because smart investing isn’t about eating the same thing forever… or trying everything at once. It’s about knowing how much is enough.

Chapters
00:00 Intro
01:11 Underdiversification vs Overdiversification
02:21 Diversification Mistakes
03:40 4 Types of Diversification
05:54 How Many Funds?
06:58 Downsides of Overdiversification
08:02 Myths Busted
09:25 Quick Recap

Just like you can’t expect nonstop boundaries and zero wickets, higher return potential is generally linked with higher uncertainty.

We break down what is risk in investment, the types of investment risk, and why understanding this balance is a core part of informed investment strategies. No jargon, no promises, just clear financial education to help you think better about risk and return in investing in the stock market before making decisions.

Chapters:
00:00 Intro
01:08 T20 vs Test
02:26 What is Risk?
04:19 Market Stories
07:27 How To Assess Risk
10:15 Practical Tips
12:37 Investment Mistakes

Ever wish investing came with a cheat code? Index funds pretty much are that cheat code, the “Ctrl+C Ctrl+V of the market,” as Virat calls it. And Rachita? She’s already obsessed with this idea of legal copying.
In this episode of Moneywise, we break down index funds for beginners in the simplest, funniest, and most no‑nonsense way possible. Whether you’re a first‑time investor or someone still wondering “what is an index fund, exactly?”, this one clears the fog without boring jargon or scary charts.

Chapters:
00:00 Intro
01:00 Long-term vs Short-term
04:15 Real-World Examples
07:27 How To Assess Funds
10:14 Practical Advice
12:32 Investment Mistakes to Avoid
14:27 Recap

If you’ve been thinking of entering the market but want something simple, steady, and beginner‑friendly, this episode will help you connect the dots without promising any magic outcomes.

Small Cap, Multi Cap, Flexi Cap - three mutual fund categories that feel like completely different rishta profiles. One hustles, one balances, one adapts. But knowing how they differ helps investors understand how each category aligns with different risk-return characteristics.

Just like an arranged-marriage shortlist, selecting a category depends on your comfort, expectations, and long-term approach, not on guarantees.

In this episode of Moneywise, we break down what Small Cap, Flexi Cap, and Multi Cap mutual funds are in a clear and relatable way, ideal for beginners or anyone trying to understand how these categories function within equity investing.

Here’s what you’ll learn:

🚀 Small Cap Mutual Funds: Typically higher-volatility categories that invest in smaller companies. They require patience and a longer investment horizon.

🎯 Multi Cap Funds: A fixed mix of large, mid, and small caps as per SEBI’s allocation framework. What this structure means for investors.

🔄 Flexi Cap Funds: No fixed allocation rules. How fund managers can adjust exposure across market caps based on their assessment of conditions.

We also simplify:
•⁠ ⁠How each category works
•⁠ ⁠Why their behaviour differs
•⁠ ⁠How investors generally evaluate them based on risk level and investment horizon

No jargon, no predictions; just a clear guide to help you understand these categories before you decide which one aligns with your comfort and goals.

Large Cap vs Mid Cap Mutual Funds… but explained as matrimonial profiles?
YES. And it works perfectly.

In this episode of Moneywise, Virat and Rachita take the most relatable route possible… treating types of equity mutual funds like arranged-marriage and love-marriage candidates.

One category represents well-established companies; the other represents growing businesses with big ambitions.

No jargon. No confusion. Just a simple way to understand how these categories differ and how investors think about them.

⸻

🔎 Chapters

00:00 Intro
01:00 What Is a Large Cap Fund?
02:00 Why Investors Consider Large Caps
02:16 What Is a Mid Cap Fund?
03:45 Practical Pointers
04:50 Recap

⸻

🎯 You’ll Learn:
Large Cap Mutual Funds: Funds that invest in the top 100 companies by market capitalisation, typically well-established businesses.
Mid Cap Mutual Funds: Funds that invest in companies ranked 101–250, typically in their growth phase.
How these categories differ: Business size, movement patterns, and how they behave during different market phases.
How investors think about both: Based on investment goals, time horizon, and comfort with market volatility.
Why some mix both: To create a diversified mutual fund portfolio aligned with long-term objectives.

This is a fast, fun, story-led breakdown that finally makes Large Cap and Mid Cap categories easy to understand, without technical overload.

Is Equity really like spicy achar and Debt like cooling dahi?
Surprisingly… yes! Just like a plate needs both for perfect balance, your investments can also benefit from the right mix. 🍛

In this episode of Moneywise, Virat and Rachita break down Equity Mutual Funds and Debt Mutual Funds in the simplest way possible; without jargon, without hype, and without any unrealistic claims. This episode helps you understand how these two categories work, how they differ, and how combining them can support long-term financial planning.

Chapters

00:00 Intro
01:37 What is an Equity Mutual Fund
03:09 What is a Debt Mutual Fund
04:30 Common Allocation Mistake
08:30 Goal-Based Planning
08:49 Myths vs Facts
10:00 Recap

You’ll Learn:
• What Equity Mutual Funds invest in and why they come with higher ups and downs
• What Debt Mutual Funds invest in and how they provide relatively stable movement
• Why many investors use both categories to create a balanced, goal-aligned portfolio
• How beginners can think about allocation depending on time horizon and comfort with volatility
• Why understanding the basics matters more than trying to “time the market”

This episode is perfect for anyone starting their investment journey or trying to understand how Equity and Debt may fit into long-term potential wealth creation.

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.

Ever wondered what NAV actually means and why every mutual fund investor keeps talking about it? 🤔

In this episode of Moneywise, we break down the Net Asset Value (NAV), what it really is, how it’s calculated, and why it’s not the same as your mutual fund’s performance. Whether you’re just starting your SIP journey or already exploring different schemes, understanding NAV is key to becoming a smarter investor.

Join Virat and Rachita as they simplify finance concepts like:

- What is Net Asset Value (NAV) per share in Hindi in mutual funds
- How NAV relates to your returns (and how it’s not the only factor!)
- The role of compounding wealth in long-term investing
- Common myths beginners have about net asset value per share

Because sometimes, what seems like a boring number can actually tell the real story of your investments.

👉 Perfect for anyone who’s just starting with mutual funds for beginners or looking to understand the meaning of net asset value in simple terms.

📍Chapters
00:00 Intro
00:40 What We Will Cover
01:25 What is NAV
02:35 Snowball Effect
03:45 Step-up SIP
05:17 Age-based Strategy
06:12 Debunking Myths
07:30 Recap