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Sonia Shenoy

@_soniashenoy • 289,046 subscribers

Independent Business Journalist. Host of The Money Mindset podcast. Financial Freedom. Stock market investor for 18 years. Former CNBCTV18 Editor

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Ramesh Mantri of WhiteOak Capital says he is extremely bullish on Indian markets right now and within his funds , this is the highest allocation to equities he has made in the last 3 years ! He says we now have evidence of two quarters of corporate earnings growth and lead indicators like car sales , cement sales , credit and export growth all pointing upwards. Full episode out now on The Money Mindset ! ✨

Ramesh Mantri of WhiteOak Capital says he is extremely bullish on Indian markets right now and within his funds , this is the highest allocation to equities he has made in the last 3 years ! He says we now have evidence of two quarters of corporate earnings growth and lead indicators like car sales , cement sales , credit and export growth all pointing upwards. Full episode out now on The Money Mindset ! ✨

74,875 views • 8 days ago

In my opinion, If you spend 1-2 lakh/month today in a metro city for a family of 4 including education and rent/ emi, You would need roughly 8-10 crore by age 60 as a retirement corpus to live comfortably. But Sandeep Jethwani of Dezerv tells me that inflation, lifestyle creep and unexpected health costs can inflate your retirement expenses much more than you think and 8-10cr is not enough. he says a family of 4 spending 1-2 lakhs per month today need a 40cr retirement corpus in 20 years to maintain a certain lifestyle. That got me thinking about how the numbers keep getting more and more unattainable and the frustration among the youth is palpable due to lack of jobs and opportunities to grow income. Whats the solution then ? reduce your expenses, cut lifestyle creep, stop comparison and decide what your definition of enough is. Thoughts ?

In my opinion, If you spend 1-2 lakh/month today in a metro city for a family of 4 including education and rent/ emi, You would need roughly 8-10 crore by age 60 as a retirement corpus to live comfortably. But Sandeep Jethwani of Dezerv tells me that inflation, lifestyle creep and unexpected health costs can inflate your retirement expenses much more than you think and 8-10cr is not enough. he says a family of 4 spending 1-2 lakhs per month today need a 40cr retirement corpus in 20 years to maintain a certain lifestyle. That got me thinking about how the numbers keep getting more and more unattainable and the frustration among the youth is palpable due to lack of jobs and opportunities to grow income. Whats the solution then ? reduce your expenses, cut lifestyle creep, stop comparison and decide what your definition of enough is. Thoughts ?

977,152 views • 5 months ago

“I worked with two very contradictory bosses , Ashish Kacholia and S Naren, both of whom had very different styles” says Manish Gunwani of Bandhan AMC His learning from mentor Ashish Kacholia ? Ashish Kacholia “asli paisa bubble mein hi banta hain” 😀 Full episode out now ✨ manish gunwani Bandhan Mutual Fund

“I worked with two very contradictory bosses , Ashish Kacholia and S Naren, both of whom had very different styles” says Manish Gunwani of Bandhan AMC His learning from mentor Ashish Kacholia ? Ashish Kacholia “asli paisa bubble mein hi banta hain” 😀 Full episode out now ✨ manish gunwani Bandhan Mutual Fund

128,777 views • 1 month ago

“If you feel very uncertain about IT services , it probably means it is the best time to enter the sector. The more uncertain you get about something , the greater is your profit opportunity. I learnt this phrase from a book by seminal economist Frank Knight titled Risk , Uncertainty and profit. You must read it” says Ridham Desai of Morgan Stanley. Full conversation with Ridham Desai of Morgan Stanley drops tomorrow ⭐️

“If you feel very uncertain about IT services , it probably means it is the best time to enter the sector. The more uncertain you get about something , the greater is your profit opportunity. I learnt this phrase from a book by seminal economist Frank Knight titled Risk , Uncertainty and profit. You must read it” says Ridham Desai of Morgan Stanley. Full conversation with Ridham Desai of Morgan Stanley drops tomorrow ⭐️

147,653 views • 1 month ago

“There is no reason for foreign investors to come to India. We run a GIFT city structure and when we try to open accounts , it tires out the FIIs.” “The account opening process is so tedious plus there is withholding tax , so when returns are anyway not great along with taxation and tedious processes , FIIs don’t want to come to India” Full conversation with Samit Vartak CFA of SageOne Investment is out now on The Money Mindset ✨ link below 👇

“There is no reason for foreign investors to come to India. We run a GIFT city structure and when we try to open accounts , it tires out the FIIs.” “The account opening process is so tedious plus there is withholding tax , so when returns are anyway not great along with taxation and tedious processes , FIIs don’t want to come to India” Full conversation with Samit Vartak CFA of SageOne Investment is out now on The Money Mindset ✨ link below 👇

287,476 views • 4 months ago

Professor Pattu of freefincal has 60% of his mutual fund exposure in one single fund : the PPFAS flexicap fund. I asked him the reason for this and does it worry him that the fund has high cash levels and high exposure to IT stocks. His answer was both candid and endearing 😊 He likes the fact that there is low churn and there is downside protection. Also as a long term investor, he prefers to never do back seat driving. Thank you for the great feedback on this episode. ✨

Professor Pattu of freefincal has 60% of his mutual fund exposure in one single fund : the PPFAS flexicap fund. I asked him the reason for this and does it worry him that the fund has high cash levels and high exposure to IT stocks. His answer was both candid and endearing 😊 He likes the fact that there is low churn and there is downside protection. Also as a long term investor, he prefers to never do back seat driving. Thank you for the great feedback on this episode. ✨

138,366 views • 2 months ago

Perhaps one of the finest fund managers of our times is Manish Gunwani of Bandhan AMC . manish gunwani Bandhan Mutual Fund Whether it was his time at ICICI Pru , Nippon or now Bandhan , his funds have almost always been in the top quartile. We spoke about the recent stellar performance of the Bandhan Small Cap fund and his philosophy behind picking stocks . He says a good small cap fund still has enough opportunity to generate alpha in this market . Every new sector that emerges typically starts in the small cap space . He also continues to be bullish on spaces like pharma. Full episode is out now ✨

Perhaps one of the finest fund managers of our times is Manish Gunwani of Bandhan AMC . manish gunwani Bandhan Mutual Fund Whether it was his time at ICICI Pru , Nippon or now Bandhan , his funds have almost always been in the top quartile. We spoke about the recent stellar performance of the Bandhan Small Cap fund and his philosophy behind picking stocks . He says a good small cap fund still has enough opportunity to generate alpha in this market . Every new sector that emerges typically starts in the small cap space . He also continues to be bullish on spaces like pharma. Full episode is out now ✨

93,046 views • 1 month ago

HCL tech is at a fresh 52 week low today and getting hit hard post earnings. A few weeks ago I spoke to Kenneth Andrade of Old Bridge Capital on why he exited IT stocks completely earlier this year. "We dont know whats happening in the tech sector. will we know in the next quarter ? maybe, maybe not. If i had to build a portfolio today , I would build it without tech names" he says. He explained that the terminal value of the IT businesses are falling and there is a lot of uncertainty in whether these businesses can continue to grow in the same way as earlier.

HCL tech is at a fresh 52 week low today and getting hit hard post earnings. A few weeks ago I spoke to Kenneth Andrade of Old Bridge Capital on why he exited IT stocks completely earlier this year. "We dont know whats happening in the tech sector. will we know in the next quarter ? maybe, maybe not. If i had to build a portfolio today , I would build it without tech names" he says. He explained that the terminal value of the IT businesses are falling and there is a lot of uncertainty in whether these businesses can continue to grow in the same way as earlier.

266,978 views • 5 months ago

One of the big issues India faces is the rising of household debt India’s household debt stands at 45.5% of GDP according to RBI , the highest in many years the bigger concern is not the rise in borrowing, it's the changing nature of credit demand. Consumption loans have outpaced housing and business loans There is rapid growth in unsecured lending I spoke to Amitabh Chaudhry of Axis Bank on this issue. He says 70% of household debt is in super prime category which is people who can afford to take this debt and pay it back Axis Bank

One of the big issues India faces is the rising of household debt India’s household debt stands at 45.5% of GDP according to RBI , the highest in many years the bigger concern is not the rise in borrowing, it's the changing nature of credit demand. Consumption loans have outpaced housing and business loans There is rapid growth in unsecured lending I spoke to Amitabh Chaudhry of Axis Bank on this issue. He says 70% of household debt is in super prime category which is people who can afford to take this debt and pay it back Axis Bank

107,260 views • 2 months ago

“I think the bottom has happened in mid and small cap names. In the last 7-8 cycles the bottom has happened during February , March . This time seems to be the same” . says Samit Vartak CFA of SageOne investment managers. Samit Vartak is the CIO of SageOne Capital and a well respected name in the investment fraternity. He is known for his deep research in mid and small caps and now runs an 8000cr AUM advisory. Full episode drops today on The Money Mindset ✨

“I think the bottom has happened in mid and small cap names. In the last 7-8 cycles the bottom has happened during February , March . This time seems to be the same” . says Samit Vartak CFA of SageOne investment managers. Samit Vartak is the CIO of SageOne Capital and a well respected name in the investment fraternity. He is known for his deep research in mid and small caps and now runs an 8000cr AUM advisory. Full episode drops today on The Money Mindset ✨

165,459 views • 4 months ago

“It is necessary for me to come and give an optimistic view on TV because I don’t want investors to panic because of issues like oil rising and the Middle Eastern crisis . These are transient things and they will pass. This sideways market is nothing compared to what we saw in the late 90s” says Ridham Desai of Morgan Stanley India I asked him why he needs to keep giving Sensex targets and how he responds to being called a perma bull 😅 Full chat with Ridham Desai out now ✨

“It is necessary for me to come and give an optimistic view on TV because I don’t want investors to panic because of issues like oil rising and the Middle Eastern crisis . These are transient things and they will pass. This sideways market is nothing compared to what we saw in the late 90s” says Ridham Desai of Morgan Stanley India I asked him why he needs to keep giving Sensex targets and how he responds to being called a perma bull 😅 Full chat with Ridham Desai out now ✨

53,145 views • 1 month ago

"What RBI governor is doing is more valuable than what Trump is doing" "Wont be surprised to see Nifty at 29k-30k in next 6-8 months" , says Vikas Khemani on the recent Diwali Special episode of The Money Mindset. He believes the liquidity surplus , interest rate cut and boost to credit growth reinforces faith that government and regulator is doing everything to boost growth in India

"What RBI governor is doing is more valuable than what Trump is doing" "Wont be surprised to see Nifty at 29k-30k in next 6-8 months" , says Vikas Khemani on the recent Diwali Special episode of The Money Mindset. He believes the liquidity surplus , interest rate cut and boost to credit growth reinforces faith that government and regulator is doing everything to boost growth in India

222,913 views • 11 months ago

In his 27 year investing career , he personally invested in only 3-4 mutual funds and has seen an XIRR of 17-18%. Anupam Tiwari , head of equities at Groww mutual fund tells me that all you need in your portfolio is 4-6 funds max , keep the decision making and churn to bare minimum and you are good to go. Full chat out now ✨

In his 27 year investing career , he personally invested in only 3-4 mutual funds and has seen an XIRR of 17-18%. Anupam Tiwari , head of equities at Groww mutual fund tells me that all you need in your portfolio is 4-6 funds max , keep the decision making and churn to bare minimum and you are good to go. Full chat out now ✨

28,297 views • 1 month ago

“A lot of things that were affecting India negatively seem to have played out and it looks like the worst of the fall that we saw in March , April is now behind us” says Samir Arora of Helios Capital. Always fun chatting with you Samir Arora thank you for your time. Full episode out now ✨

“A lot of things that were affecting India negatively seem to have played out and it looks like the worst of the fall that we saw in March , April is now behind us” says Samir Arora of Helios Capital. Always fun chatting with you Samir Arora thank you for your time. Full episode out now ✨

53,180 views • 2 months ago

"When you identify stocks which dont do well, you have to remember that if the process is right , you cant go into a negative loop. You will get hit by unknown unknowns, you have to build a mental fortitude to get up and fight again" says manish gunwani of Bandhan Mutual Fund Full conversation is out now on The Money Mindset 🪄

"When you identify stocks which dont do well, you have to remember that if the process is right , you cant go into a negative loop. You will get hit by unknown unknowns, you have to build a mental fortitude to get up and fight again" says manish gunwani of Bandhan Mutual Fund Full conversation is out now on The Money Mindset 🪄

37,845 views • 1 month ago

“My goal is to always be the best fund manager in the country, whether I achieve it or not is a different thing.” - Siddharth Bhaiya Siddharth was sharp, talented , at the top of his game, never minced his words and always kind to everyone around him. The industry has truly lost a gem. Gone way too soon. Condolences to his family , may he Rest in eternal peace. 🙏 Video courtesy CNBC-TV18 podcast last year

“My goal is to always be the best fund manager in the country, whether I achieve it or not is a different thing.” - Siddharth Bhaiya Siddharth was sharp, talented , at the top of his game, never minced his words and always kind to everyone around him. The industry has truly lost a gem. Gone way too soon. Condolences to his family , may he Rest in eternal peace. 🙏 Video courtesy CNBC-TV18 podcast last year

171,563 views • 8 months ago

A common shareholder angst is new age startups that report losses for years suddenly turn profitable pre ipo. Amidst all the backlash around inflated profits and steep valuations , Peyush Bansal says that Lenskart will continue to be profitable in the years to come and they are committed to creating wealth for shareholders.

A common shareholder angst is new age startups that report losses for years suddenly turn profitable pre ipo. Amidst all the backlash around inflated profits and steep valuations , Peyush Bansal says that Lenskart will continue to be profitable in the years to come and they are committed to creating wealth for shareholders.

190,455 views • 10 months ago

“ I never stay in cash. Even if I know the market will fall, I never move to cash. You can’t time the entry and exit of the market , you may end up missing the party “ Raamdeo Agrawal of @motilaloswalgroup Motilal Oswal Asset Management tells me on this episode of The Money Mindset Full episode with Raamdeo Agrawal drops this evening ✨

“ I never stay in cash. Even if I know the market will fall, I never move to cash. You can’t time the entry and exit of the market , you may end up missing the party “ Raamdeo Agrawal of @motilaloswalgroup Motilal Oswal Asset Management tells me on this episode of The Money Mindset Full episode with Raamdeo Agrawal drops this evening ✨

183,952 views • 11 months ago

Why do we keep talking about building a retirement corpus ? Because people underestimate how much inflation can eat into one’s savings over the years. On this week’s episode we spoke to personal finance educator, Dr Pattabiraman , professor at IIT Madras and founder of FreeFincal, also fondly known as professor pattu. M Pattabiraman Professor pattu talks about how to plan for your retirement by keeping return expectations and living expenses low. If you spend ₹1 lakh every month, how much money do you actually need to retire? He breaks down the math We discuss all this and more.

Why do we keep talking about building a retirement corpus ? Because people underestimate how much inflation can eat into one’s savings over the years. On this week’s episode we spoke to personal finance educator, Dr Pattabiraman , professor at IIT Madras and founder of FreeFincal, also fondly known as professor pattu. M Pattabiraman Professor pattu talks about how to plan for your retirement by keeping return expectations and living expenses low. If you spend ₹1 lakh every month, how much money do you actually need to retire? He breaks down the math We discuss all this and more.

49,119 views • 2 months ago

"The real opportunity to create alpha is outside the index and there is no strong case for building real wealth through passive index funds." says Vikas Khemani "Every time a country transforms, the main opportunity is outside the index . if you only invest in index funds, you run the risk of missing those opportunities." Agree ?

"The real opportunity to create alpha is outside the index and there is no strong case for building real wealth through passive index funds." says Vikas Khemani "Every time a country transforms, the main opportunity is outside the index . if you only invest in index funds, you run the risk of missing those opportunities." Agree ?

154,071 views • 9 months ago