Moneywise

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.

What is Moneywise?

Most financial advice still sounds like it’s stuck in a textbook. Moneywise flips that.

This podcast brings together a Millennial and a Gen Z voice for honest, jargon-free conversations on all things personal finance, from your salary and SIPs to your insecurities about not having “figured it out” yet.

Each month, we focus on one financial topic and unpack it through a series of short, weekly, engaging episodes. It’s a podcast that meets you where you are and helps you move forward, one episode at a time.
Continuing the tradition of initiatives and campaigns that motivate, guide, and educate Indians about financial wisdom and wealth creation, we bring you MoneyWise - a podcast series that connects with investors and simplifies the important aspects of investment.

We reached out to the average Indian investor through our successful short films like Bachat Nivesh Badhat, One Idiot, and Return of One Idiot to educate the public about the importance of savings and long-term investments for financial growth and security. Our landmark campaigns like #DateyRaho and #PaisonKoRokoMat have educated millions successfully about the power of investing.

MoneyWise is about how the average Indian can create wealth in his/her life. Our podcasts simplify tried-and-tested investment wisdom and opportunities for wealth creation in Indian financial markets. This will answer your questions on how you can utilize this information to create your own wealth.