moniwise
Simplifying money for every Indian — clear, data-backed insights on investing, financial planning, and wealth building.
This channel helps you make smarter financial decisions, avoid mis-selling, and understand money with clarity and confidence. From wealth building to the behavioral side of investing, we break down complex financial topics into simple, practical insights — one Indian at a time.
I’m Gopalakrishna Narayana Moni, a SEBI-registered Investment Advisor (RIA# INA000019664) and founder of moniwise. My mission is to:
👉Simplify financial and retirement planning
👉Promote financial empowerment for women and young adults
👉Explain the behavioral aspects of wealth building
👉Prevent mis-selling of financial products
For unbiased financial planning services, visit 👉 www.moniwise.org
Kindly note: Investments are subject to market risks. No performance guarantees are made or implied.
moniwise
Interest for Floating Rate Savings Bond for the Period January 01, 2026 – June 30, 2026 remains unchanged at 8.05%.
RBI press note - rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?pri…
6 days ago | [YT] | 0
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moniwise
1 week ago | [YT] | 3
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moniwise
When an asset performs very well for a period of time, something subtle happens.
It starts feeling safe.
Not because the risk has reduced —
but because recent returns quietly change how we think.
This is exactly why asset allocation and periodic rebalancing exist — not to maximise returns, but to protect us from chasing what has already done well.
Worth pausing and reflecting when something suddenly feels “obvious” or “comfortable” to invest in.
1 week ago | [YT] | 3
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moniwise
If you had to pick just ONE index for long-term investing, which would you choose?
I analysed 25 years of data and 234 seven-year SIP periods comparing Nifty 50 and Nifty 500.
The results surprised even me.
Curious to see what you would pick before watching the video 👇
https://youtu.be/7UDKeQlBZ-M
3 weeks ago | [YT] | 1
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moniwise
Big NPS rule update!
For private investors in NPS, the rule has changed to 80% withdrawal at the age of 60. It was 60% earlier. This is a big big positive step.
Do you have NPS in your portfolio? What is your allocation?
I have from 2017 invested in NPS and have an allocation of 75% E, 15% Govt Bond, 10% Corp Bond.
I missed the Alternative part during its boom :)
3 weeks ago | [YT] | 4
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moniwise
Interesting to see renewed interest in our videos on REITs and InvITs this week!
It’s great that more investors are exploring these new ways of earning passive income.
But please remember — like every investment, REITs and InvITs come with their own risks and nuances. It’s important to understand what you’re investing in before jumping in.
If you missed my explainers, start with these 👇
📺 InvITs Explained: [https://youtu.be/8tpHMR4YD9s?si=_ObzA...]
📺 REITs Explained: [https://youtu.be/Z--43OHavik?si=hI21H...]
#Investing #REITs #InvITs #PassiveIncome #moniwise
2 months ago | [YT] | 1
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moniwise
What is i-NAV and NAV? Why you should know these?
i-NAV is indicative NAV or Net Asset Value for an ETF. When ETF's have strong demand their actual underlying value and price move apart. Ideally you want to provide the exact price equal to the value of the underlying ETF asset. Generally there is a small difference and i-NAV typically tend to be lower than NAV.
If i-NAV > NAV, then underlying asset is in demand. Meaning if i-NAV of SilverBees is > NAV of the SilverBees ETF then, SilverBees is clearly in demand.
How do I find the i-NAV now, let us say of SilverBees?
Step 1 - Visit the corresponding ETF site on NSE. For SilverBees it is - www.nseindia.com/get-quotes/equity?symbol=SILVERBE…
Step 2 - On the bottom left corner as indicated in the image below, you would see the i-NAV value.
Compare - So the price of SilverBees in the market was 164.69 INR, but i-NAV is only 156.2 INR. Clearly SilverBees is in big demand.
What should you do?
Always find the cheaper ways of owning the asset. Remember asset allocation :)
Good luck to us.
2 months ago (edited) | [YT] | 3
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moniwise
Friends,
When markets are volatile, the only thing that save us is "Asset Allocation". A proper asset allocation involves -
1. Good mix of all asset classes which you are comfortable with - Debt (Debt funds/FD/RD), Equity (MF/Stocks/ETFs), Real Estate & Infrastructure (House/Land/REITs/InvITs), Gold (bars, ETFs, coins) & Silver (bars, ETFs, coins).
2. Remember Private Equity & International Equity add more risk to your portfolio and are not suitable for everyone of us.
3. For goals 1-4 years, have them in debt funds/FDs. NOT IN EQUITIES
4. Have a good mixture of Large, mid and small caps - do not concentrate on one market cap. Each of them do well at different times in the economic/market cycle.
Please do not churn your portfolio without a proper plan. If you have doubts, ask here. Let us discuss and I will try to answer to the best of my knowledge.
More importantly, please do not stop your SIPs for long term goals. Good luck to all of us.
Cheers,
Gopal for moniwise.
2 months ago | [YT] | 4
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moniwise
🎉🎉 We are a 1000+ member community now, thank you! 🙏🏻🙏🏻
3 months ago (edited) | [YT] | 6
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moniwise
REITs now get Equity status.
Which means Debt funds must now phase our REIT holdings. Equity & Hybrid schemes will have access to REITs now.
It would be interesting to see if the NPS Alternative fund tier get to invest in them.
3 months ago | [YT] | 4
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