Join Bhartendra Singh to cut through the noise and get straight to what matters with your money and your health.
I started ThisOrThat because most conversations today are either too casual to be useful or too abstract to be practical. Whether it’s finance or fitness, the goal is the same: clarity over confusion, progress over perfection.
Every video brings clear, no-fluff perspectives and real ideas you can actually use—be it smart investing, saving, or taking control of your physical and mental well-being. No overthinking, just small, consistent moves that compound into something meaningful.
Everyone’s unique, with their own context—and you know yours better than anyone. Ready to make wealth and health work for you, not against you?
This is your spot.
ThisOrThat with Bhartendra
What happens when someone who has spent years advising investors turns the lens on his own money?
In this episode of This or That, Gajendra Kothari talks about SIPs, compounding, investor behaviour, the obsession with finding the “best fund”, and why weak returns may be the worst time to lose patience.
A few ideas that stayed with me:
Best fund hota hi nahi hai. Best investor hota hai.
Returns are not fully in your control. How much you invest — and for how long — is.
If you’ve already taken the pain of a weak market, don’t walk away just before the cycle may turn.
A very practical conversation on how wealth is actually built: slowly, behaviourally, and with far less drama than most investors think.
Watch the full episode now.
#ThisOrThatPodcast #GajendraKothari #MutualFunds #SIP #Investing #PersonalFinance #Compounding #InvestorBehaviour #WealthCreation #LongTermInvesting
3 days ago | [YT] | 0
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ThisOrThat with Bhartendra
Do you have a will?
6 days ago | [YT] | 1
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ThisOrThat with Bhartendra
A few months ago I was very close to buying a property. The price was agreed, the documents were ready, both sides were sorted. That deal still hasn't happened.
There was no fraud. There was no legal dispute either. The owner's mother was a co-owner, she passed away some time before, and she had not left a will. Now the family needs a succession certificate, a court process, a lawyer. The property stays frozen until then. The owner wants to sell, I want to buy, and nothing is moving.
The mistake most people make: "I've added a nominee, so I'm covered."
A nominee does not automatically become the owner. A nominee is a trustee, a caretaker, a middleman. Your legal heirs can still claim that asset in court, and they often win. The will is the document that actually decides where your money goes, and it overrides the nomination.
A valid will in India needs only three things: your signature, two witnesses who are not beneficiaries, and a date. Registration isn't mandatory, though it is recommended and doesn't cost much.
If you can't write a will this week, at least make a list of everything you own. Mutual funds, bank accounts, property, insurance, EPF, jewellery, business interest. Just for yourself. It takes one afternoon.
The full explanation, including the step by step process, is in the video. Link below.
(This is general information, not legal advice. Please confirm your own family's situation with a lawyer.)
6 days ago | [YT] | 2
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ThisOrThat with Bhartendra
In 2021, PGIM sat down with 3,100 Indians and asked how they plan their money. The order that came back was almost universal. The kid's school, the house, the family trip, then the what-ifs like health and job loss, and only then retirement, the one event on the list that's actually guaranteed.
The reasons people gave were mostly emotional. Two out of three talked about family and the life they pictured, with inflation and returns barely in the frame. Two-thirds are also building or wanting a second income, led by tier 2 and 3 towns. And the respondents who felt genuinely financially free mostly came from joint families or stayed close to parents and siblings.
Swipe through the full story. And tell me honestly, where does retirement sit in your queue, front or back?
1 week ago | [YT] | 5
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ThisOrThat with Bhartendra
Something big changes in Indian markets from Monday, August 3. The way every stock's closing price gets calculated is being replaced, and the market will now close in three stages instead of one.
Most coverage of this is written for traders. This carousel is written for everyone else. SIP investors, mutual fund holders, anyone who's ever wondered what "Sensex closed at" actually means. The closing price decides what your fund units are worth tonight, and until now it was an average that large orders could quietly push around. From Monday, it comes from an auction where everyone's orders set one fair price together. New York and London have done it this way for years.
The short version: the day's most important number is about to get much harder to manipulate, and you benefit without doing anything.
Swipe through all 8 slides. What's your take — will the auction close make the last 15 minutes calmer, or just move the drama to 3:14 PM?
2 weeks ago | [YT] | 19
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ThisOrThat with Bhartendra
Is this really different... or have we seen this movie before?
Every few years, investors believe the markets are broken forever.
And every few years, they're proven wrong.
In this episode, Aashish Somaiyaa (CEO, WhiteOak Capital AMC) shares lessons from 27 years in the markets—from the Pokhran sanctions to COVID and beyond.
We also discuss:
✅ Return expectations in today's market
✅ International investing
✅ Gold allocation
✅ AI & financial advice
✅ Direct vs Regular mutual funds
If you're investing for the next 10–20 years, this conversation is worth your time.
🎥 Watch the full episode here
3 weeks ago | [YT] | 1
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ThisOrThat with Bhartendra
The average Indian holds a mutual fund for just 3.5 years. Compounding doesn't show up until year 9.That gap is where wealth quietly dies.
Part 2 with Roopa Venkatkrishnan is live — FD's hidden risk, why you never sell gold but dump equity, the one goal no bank will fund, and when to actually exit a fund.
1 month ago | [YT] | 5
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ThisOrThat with Bhartendra
New Episode : If you have ever felt like stopping your SIP, this episode is for you.
We discuss why SIPs work, why investors quit too early, and why retirement is the only goal you can’t take a loan for.
1 month ago | [YT] | 4
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ThisOrThat with Bhartendra
Everyone's chasing international funds right now.
Brazil. Taiwan. Korea. Semiconductors. AI chips.
6 months ago it was gold. Before that, small caps. The name changes. The behaviour doesn't.
I sat down with Vijai Mantri to look at the actual numbers.
The Nippon Taiwan fund returned 400% last year. ₹1 lakh invested at launch in 2021 is ₹88,000 today. Same fund.
The HSBC Brazil fund has been running for 15 years. NAV at launch: ₹10. NAV today: ₹10.19.
We went through Brazil, Taiwan, Korea, Nvidia, SK Hynix, Micron — the full picture, not just the highlight reel.
And his closing call surprised me.
Watch it before you move any money internationally.
2 months ago | [YT] | 4
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ThisOrThat with Bhartendra
New Episode : Does SIP really work? What should investors do when markets don't perform? How many mutual funds are actually enough?
In this episode, I sit down with Bhalchandra Joshi, COO, The Wealth Company, a mutual fund industry veteran with 30+ years of experience, to discuss investing through market crashes, SIP discipline, advisor value, and the lessons he's learned from decades in the industry.
A practical conversation for every long-term investor.
2 months ago | [YT] | 2
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