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Monika Halan 🇮🇳 Profile
Monika Halan 🇮🇳

@monikahalan

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Writer, Author, Speaker | Money | Books: Let’s Talk Money | Let's Talk Mutual Funds | Chair SEBI Committee for IPEF | Podcast: Let's Talk Money

New Delhi
Joined June 2009
Don't wanna be here? Send us removal request.
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@monikahalan
Monika Halan 🇮🇳
6 months
It's finally here! On popular demand, my audio podcast: LETS TALK MONEY! On @spotifyindia or wherever you get your podcasts. Send your questions to me on mailme @monikahalan .com or in the comments section on the podcast page: @maedinindia
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@monikahalan
Monika Halan 🇮🇳
3 years
An entire ecosystem was waiting for one bullet to be fired. By not firing it, despite being battered, broken and bruised, the @delhipolice has delivered a unique victory. 🙏🏻
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@monikahalan
Monika Halan 🇮🇳
2 years
Where in the world does it take two days between a passport appointment and the document reaching home? Non tatkal. No calls to anybody. Just the process that works for everyone. #onlyinIndia
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Monika Halan 🇮🇳
3 years
You need to be radically messed up to equate Taliban with Modi and the RSS. The word 'unhinged' comes to mind. There is no exit from this narrative corner that those who are making this absurd comparison are backing into.
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@monikahalan
Monika Halan 🇮🇳
3 years
So corporates are bad for 'farmers' but good for vaccinations. What am I missing?
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Monika Halan 🇮🇳
4 years
As an author I am shocked that a publisher says it will 'withdraw' a printed, about to be published book, because it had issues with who released the book. @BloomsburyIndia is off my list hereon. The @advmonikaarora I know for many years will fight on.
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Monika Halan 🇮🇳
2 years
Note for those from India travelling to the DLDCs (digital less developed countries) that would be most of Europe and UK, either carry some cash or access to cash through a forex card. Also carry smaller notes of 10s and 20s rather than large denomination ones.
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Monika Halan 🇮🇳
2 years
Farm law repeal is a slap on the face of reforms. Brokers, not farmers, have won. @narendramodi has lost.
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Monika Halan 🇮🇳
3 years
For all those opposed to the central vista project on grounds of expense during covid, ever thought of the number of people employed by the project? Should the government stop all non-covid spends? Farm subsidies for example. Is each of us stopping all non-covid related spends?
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Monika Halan 🇮🇳
2 years
The more I read about the 70s and 80s with a policy hat on, the more I remember growing up in those decades of a supply-starved nation. One landline phone in 30 service class homes. One car in 50. Short supply of milk. Water. Everything. The disaster that is lived socialism.
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Monika Halan 🇮🇳
1 year
The great South Indian supremacists They threw out the others. @ARanganathan72 @vikramsampath @smitaprakash @Iyervval
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@monikahalan
Monika Halan 🇮🇳
4 years
No matter what, some people will criticise anything that Modi does. Not matter what, some people will applaud anything that Modi does. But I can't begin to understand the critique of a reform announcement without even knowing the details.
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@monikahalan
Monika Halan 🇮🇳
2 years
And nobody went to court to stop chopping a tree down?
@EconomicTimes
Economic Times
2 years
#Watch : Xmas tree arrives in #NewYork 's Rockefeller Center | Track today's #latestnews here:
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@monikahalan
Monika Halan 🇮🇳
2 years
Please speak for yourself and your friends. Your broad brush is idiotic.
@Aakar__Patel
Aakar Patel
2 years
as a journalist i’ve no problem with rahul gandhi being rude to us is what we deserve given our record
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@monikahalan
Monika Halan 🇮🇳
3 years
Tested positive. Doc says the first jab and the lost sense of smell could mean a kinder journey. Mask up. Take the jab.
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@monikahalan
Monika Halan 🇮🇳
2 years
Very important step for @FinMinIndia to get all regulators to implement: The spouse should be the default nominee for bank accounts, FDs, mutual funds and insurance policy. A person wishing to change should fill the nomination form.
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@monikahalan
Monika Halan 🇮🇳
1 year
Big lobby meeting in Delhi of the life insurance industry with @nsitharaman @FinMinIndia today. Industry very upset with the Rs 5 lakh premium policies getting taxed on exit. Industry should just answer one question:
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@monikahalan
Monika Halan 🇮🇳
2 years
Thread on crypto and India's move to ban privately held 'currencies'.
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Monika Halan 🇮🇳
9 months
What a joke. We are finally escaping poverty, the road to wealth passes through the middle class stage. And here is somebody insulting the tax paying middle india.
@Ravisutanjani
Ravisutanjani
9 months
Middle-Class Work Hard for Living Pays Fair Share of Income Tax & GST Only to Hear from a So-Called Journalist that Middle Class is Selfish and Most Communal People, What a Shame!
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Monika Halan 🇮🇳
2 years
What a breathless ride @RRRMovie ! The swag!
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@monikahalan
Monika Halan 🇮🇳
2 years
The ecosystem is now going after India's finance minister @nsitharaman . Even a buoyant economy does not prevent labels like commodity trader, spin-doctor from being cynically used to discredit her. Their barrels of hatred for India are bottomless.
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@monikahalan
Monika Halan 🇮🇳
3 years
Identify and prosecute.
@ANI
ANI
3 years
#WATCH A protestor hoists a flag from the ramparts of the Red Fort in Delhi #FarmLaws #RepublicDay
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Monika Halan 🇮🇳
3 years
Now a V-shaped recovery is also wrong. Everything about India is wrong. Why do global media houses perpetuate this misplaced, baised and untruthful view? The hopelessness just goes on.
@economics
Bloomberg Economics
3 years
By focusing on a V-shaped recovery, policy makers are ignoring the damaging consequences for India’s long-term competitiveness, writes @andymukherjee70 (via @bopinion )
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@monikahalan
Monika Halan 🇮🇳
18 days
The @INCIndia wants to redistribute India's wealth. I have some questions. Will this: * be one time or before every election? * exempt minorities? * apply to govt employees, judiciary, defence, teachers, rich farmers? #justasking My oped in @htTweets
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@monikahalan
Monika Halan 🇮🇳
2 years
Fancy dry cleaners charge 300 rupees for a shirt. My corner presswalla has diversified into buying a machine and is offering 50 buck shirt dry cleaning. Can't make out the difference! This is Bharatiya enterprise!
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@monikahalan
Monika Halan 🇮🇳
3 years
But @gchikermane , now wait for the India haters to say: 1. The jabs were too late. 2. The tone of the jabs was wrong. 3. They hurt. Why can't the government give painless jabs? 4. But what about....(fill in whatever nonsense that comes to mind)? Celebrate? Cynics can only carp.
@gchikermane
Gautam Chikermane 🇮🇳
3 years
More than 8 million jabs today. In other words, India vaccinated almost entire Switzerland today. Celebrate this number!
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@monikahalan
Monika Halan 🇮🇳
2 years
Delighted to be appointed as the Chairperson of the Advisory Committee for SEBI's Investor Protection and Education Fund.
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@monikahalan
Monika Halan 🇮🇳
3 months
Since the income tax payers cannot (and should not) get on their tractors and attack the capital of India, they will continue to pay the bill of street power.
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@monikahalan
Monika Halan 🇮🇳
3 years
After 11 years, I say goodbye to @livemint — a rich journey. New decade. New year. New beginnings.
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@monikahalan
Monika Halan 🇮🇳
1 year
Listening to some of the commentary, it looks like some people would prefer to see India fail than do well under BJP. #Budget2023
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@monikahalan
Monika Halan 🇮🇳
5 years
I wish @nsitharaman will do a similar deal for direct income tax for individuals. Let us pay a lower flat tax with NO deductions/exemptions/rebates. Give a choice and see how many of us will move to a simpler regime. @nsitharamanoffc
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@monikahalan
Monika Halan 🇮🇳
2 years
And carry a single unit coin if possible for the luggage carts at airports. We are used to the abundance of Indian airports that have carts for free. You put in a coin to release the cart and you get it back when you put it back.
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@monikahalan
Monika Halan 🇮🇳
3 years
Writing after a break. Not strictly personal finance, but still in the money space! Some of the adult raja betas and rani bitiyas of the newly rich Indian are bored, woke and high maintenance. But papa and mama still pay the bills
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@monikahalan
Monika Halan 🇮🇳
1 year
Why should concessions be given to an industry that destroyes retail savings? How do they destroy savings? Ask them to share the persistency rate of 10, 15, 20 year policies. Early surrenders attract huge costs to policyholders. They do not even get their capital back.
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@monikahalan
Monika Halan 🇮🇳
3 years
Ground rules for the retired: NO life insurance to be bought after age 60. Not for yourself. Not for the kids. Not for the grandkids. Not even for the dog. FDs are fine if you don't understand mutual funds. DO NOT go for higher risk/return if you don't need the money.
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@monikahalan
Monika Halan 🇮🇳
2 years
Not clear what Pankaj Mishra dislikes: * A global citizen * Wealth * Wealth with a brown person * Success * A practising Hindu * A practising Hindu in a position of power If none of the above, what prompts this bitterness and bile?
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@monikahalan
Monika Halan 🇮🇳
3 years
9% of the revenue disbursement of the budget goes to agriculture. 7% on defence. 1% on education. 1% on public health and medical Taxpayers need to decide where our money will be spent.
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@monikahalan
Monika Halan 🇮🇳
3 years
In my rebuttal to @andymukherjee70 's "hopelessness", I see a country in transition, from an old idea of India to a new one. The difference in our lenses is that I see @narendramodi as a result, and not a cause, of an aspiring India. My oped in @livemint
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@monikahalan
Monika Halan 🇮🇳
4 years
It started at 4:56 pm without a siren or trigger. First some conch shells, then some thalis being beaten. Then at 5 an explosion of clapping, vessel banging and conch shells. Spontaneous citizen gratitude to all those fighting the war. Just speechlessness. And an overwhelm.
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@monikahalan
Monika Halan 🇮🇳
3 years
For those still wondering why markets are happy. Markets love transparency. By bringing the off balance sheet items on board, this obfuscation of deficit numbers is gone. @nsitharaman
@nsitharamanoffc
Nirmala Sitharaman Office
3 years
Smt @nsitharaman highlights the Modi Govt's focus on financial transparency.
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@monikahalan
Monika Halan 🇮🇳
3 years
Totally unable to understand this new narrative of 1. Every vote being counted in the US vs that not happening in India. Last I looked we sent EVM to remotest of villages. 2. Paper ballets better than EVM. How? So that they can be 'managed' better?
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@monikahalan
Monika Halan 🇮🇳
2 years
Full 24 hours later I'm still seeing @RRRMovie . It is running in my brain! Please bring it back on theaters in Delhi soon @ssrajamouli , the epic special effects and action need a big screen. @srinivas_mohan @AlwaysRamCharan @tarak9999
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@monikahalan
Monika Halan 🇮🇳
2 years
When you get rich suddenly then either you have the money. Or money has you. Much of boorish behaviour gets explained when you understand this basic equation.
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@monikahalan
Monika Halan 🇮🇳
4 years
Why you should NOT buy a bundled life insurance policy 1. Poor life cover 2. Poor returns 3. Built like a trap 4. Agent, company and shareholders profit. You lose. 5. The graph shows what you get back if you stop the policy mid-way. My column in @livemint
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@monikahalan
Monika Halan 🇮🇳
2 years
Will India be a global outlier? Looks like.
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@monikahalan
Monika Halan 🇮🇳
5 years
For me this election is also about the defeat of the small elite group with large voices who have framed the narrative for many decades. Information and its decoding is now truly democratized. #Verdict2019 @livemint
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@monikahalan
Monika Halan 🇮🇳
1 year
The blue line is your investment in a typical endowment plan. The orange line shows you what you get back should you stop funding your policy. Even if you have just one premium left that you do not pay, you don't get your money invested back. This is destruction of savings.
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@monikahalan
Monika Halan 🇮🇳
1 year
Enjoying the Delhi Mumbai Expressway @nitin_gadkari ji. Can land a plane on these roads!
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@monikahalan
Monika Halan 🇮🇳
11 months
My new book #letstalkmutualfunds will help you understand the product, use it to your advantage and select schemes that work for you. Let's Mutual Fund!
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@monikahalan
Monika Halan 🇮🇳
2 years
Caught cheating on #mysorepak @ARanganathan72 Shame. Giving into western cultural imperialism.
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@monikahalan
Monika Halan 🇮🇳
3 years
Shot from outside the home of a friend. They are running to a shelter. Ghastly attack on Israel.
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@monikahalan
Monika Halan 🇮🇳
2 years
Guys, I do plenty of free workshops for specific groups, such as students, NGOs. Please don't ask me to do pro bono for a 'good cause' and then charge participants. I am giving time and energy to spread financial empowerment, profit from it figuratively, not literally.
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@monikahalan
Monika Halan 🇮🇳
3 years
Superb debate. Watch. @ShashiTharoor and @jsaideepak battle it out with all the rules of debate in place.
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@monikahalan
Monika Halan 🇮🇳
3 years
@dmuthuk As they say: the teacher's best moment is to see the student surpass her! More power to you @dmuthuk for the literacy outreach you do everyday.
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@monikahalan
Monika Halan 🇮🇳
3 years
Sensex at 60k+ I will repeat what I have said for the last 20 years (yeah, that long!) You have to be in the market ALL the time. The bull run does not announce itself. The ONLY way to be in the market all the time is to have an asset allocation between debt and equity.
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@monikahalan
Monika Halan 🇮🇳
2 years
1. Still copying the class topper! Even the pen is mine. @gchikermane @HarperCollinsIN @WHSmith_India #LetsTalkMoney
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@monikahalan
Monika Halan 🇮🇳
2 years
What is this obsession with comparing Indians to a white guy?
@Reuters
Reuters
2 years
CORRECTION: Rakesh Jhunjhunwala, 'India's Warren Buffett', dies at 62. We are deleting an earlier tweet on the death of Rakesh Jhunjhunwala that misspelled the name of Warren Buffett.
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@monikahalan
Monika Halan 🇮🇳
10 months
Happy to know the writing is useful! @DasShaktikanta @RBI
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@monikahalan
Monika Halan 🇮🇳
6 months
At 87 and a half, my father is still writing books and guiding his readers. More power to him as he shows off his latest creation!
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@monikahalan
Monika Halan 🇮🇳
2 years
c. There is a price rise today because there is demand. Cryptocurrency has been called a 'limited supply of nothing'. The minute the demand goes away, the price crashes since there is NO underlying asset. Please get this basic fact clear.
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@monikahalan
Monika Halan 🇮🇳
5 years
Just finished a very disturbing book — @rahulpandita ’s Our Moon has Blood Clots. Probably the most underreported & politically ignored genocide of a people in Independent India. Even civil society seems to have brushed aside this ethnic cleansing of Kashmiri Pandits.
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@monikahalan
Monika Halan 🇮🇳
4 years
When you read something like this, it confirms your belief that just the knowledge of English, the use of some jargon readings and a pesudo academic style of writing does not mean that you have anything intelligent to say. The populist moment
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@monikahalan
Monika Halan 🇮🇳
10 months
This is the story of India's unluckiest investor!
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@monikahalan
Monika Halan 🇮🇳
1 year
I joined the workforce in 1991. The decades after economic reform took salaries, opportunities and markets to unbelievable levels. My message to the post 2000 gen: don't look for revdis in the budget. Look for what induces growth. Being rich is good #saynotosoclalism #Budget2023
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@monikahalan
Monika Halan 🇮🇳
4 years
Everyone needs to see what state terrorism looks like.
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@monikahalan
Monika Halan 🇮🇳
2 years
Reminder! Please finish your 80C investments soon. That's Rs 1.5 lakh to be invested to get a tax deduction. Do a combo of PPF and one ELSS fund. Wait too long and you will be hit with a dud insurance policy. Remember that EPF, NPS and a special 5 year FD also can be used.
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@monikahalan
Monika Halan 🇮🇳
1 year
There is a life before. And then a life after #KantaraMovie @shetty_rishab Hits you like a bomb going off in the head and heart. Will need to watch again. And again.
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Monika Halan 🇮🇳
3 years
In which @sanjeevsanyal kills it! Ask the economists based in the US who wanted wealth tax in India to ask the US government for one. And do an RCT to see if it works!
@CNBCTV18News
CNBC-TV18
3 years
'Our economic model is about getting the private sector to get more investments', says Principle Economic Adviser, @sanjeevsanyal . Adds, that was the reason why there was no change in the tax structure. @ShereenBhan #BudgetWithCNBCTV18 #Budget2021
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@monikahalan
Monika Halan 🇮🇳
3 years
For those who watched the epic Khosla Ka Ghosla, the key question to ask is: "Aap party ho ya broker?" @gchikermane writes in @orfonline that social media platforms need to decide if they are a platform or a publisher.
@gchikermane
Gautam Chikermane 🇮🇳
3 years
Yesterday, Trump was deplatformed; today, @sambitswaraj is labelled; tomorrow, any global leader will have to kneel before the power of these ideologically driven and politically interfering platforms — this cannot be allowed My essay in @orfonline
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Monika Halan 🇮🇳
4 months
Absolutely!
@ndtv
NDTV
4 months
"Financial Literacy Should Be Taught In Schools": Nirmala Sitharaman
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@monikahalan
Monika Halan 🇮🇳
2 years
3. My advice. Stay away. If the itch is too great, treat this like a punt, a gamble and use small amounts of your OWN money. Do not get your parents to break their FDs, SIPs or whatever to enter this tamasha.
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@monikahalan
Monika Halan 🇮🇳
3 years
The Indian who helped expose the Wuhan lab virus leak: "The young Indian man who calls himself The Seeker is in his late-20s, lives somewhere in eastern India, and uses a piece of tribal art from his home region of West Bengal.." @TheSeeker268 @Newsweek
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@monikahalan
Monika Halan 🇮🇳
5 years
Very smart move @nsitharaman . Firms can now choose to pay a higher rate & claim tax breaks or pay a lower rate with no tax breaks. Maybe many of the big firms crying about high tax rates will suddenly go quiet as we find that their effective tax rates were actually not that high!
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@monikahalan
Monika Halan 🇮🇳
2 years
2. Look at some facts: a. No viable country will hand over currency, monetary policy and stability to a privately held, volatile digital token. We will see national crypto currencies issued by governments and possibly a global one that has oversight of G20 or some such.
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@monikahalan
Monika Halan 🇮🇳
9 months
Mumabi rain and a wait for the US visa! (Those who know, know)
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Monika Halan 🇮🇳
2 years
e. And for those who are climate change activists, specially the young, please count the environmental cost of crypto before you decide to get rich on its back. You have huge double standards if you pretend to be environmentally emotional but crypto traders.
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@monikahalan
Monika Halan 🇮🇳
3 years
Had an engaging conversation today with @nsitharaman ji over #LetsTalkMoney and #बातपैसेकी. The Hindi translation is especially precious because this was my mother’s (Mridula Halan's) final work. @HarperCollinsIN @ReadWithVani
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@monikahalan
Monika Halan 🇮🇳
3 years
@sushantsareen BTW NZ is at 46 lakh doses given in all. Just saying!
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Monika Halan 🇮🇳
3 years
If anybody had any doubts on how global actors get into the story..... @swati_gs great work!
@swati_gs
Swati Goel Sharma
3 years
. @GretaThunberg (accidentally?) just shared a document on details of Jan 26 protests and upcoming online and street protests. Soon, the documented was restricted. Now the tweet has been deleted (I saved it). But incredible.
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Monika Halan 🇮🇳
4 years
Every part of the system usually works at T3 Delhi. Huge number of people but a fast moving check in and security process makes it quick. Each time I compare with Europe, I am amazed at India's airport efficiency.
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@monikahalan
Monika Halan 🇮🇳
1 year
Please check out the new calculators on @SEBI_India investor education website. Big shout out to Prof Pattabiraman for his generous help in this effort. Do send in feedback and suggestions to improve and add new ones.
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@monikahalan
Monika Halan 🇮🇳
2 years
d. Crypto today is a gamble. It is like the tulip mania, the emu egg and teak plantation bubbles. Please do not think that you will get super rich by 'investing' in this. Gamble is a better word.
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Monika Halan 🇮🇳
2 years
And think why a push back argument gets crypto believers so ruled that they get abusive, personal and angry. Cults prevent your discerning mind to take rational decisions. Evolution got us from amoeba to having this mind. Let's use it!
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@monikahalan
Monika Halan 🇮🇳
1 month
It is shocking that the insurance regulator has discarded a fairer value proposal to policyholders for early surrender. Now with first year commissions that can go unto 100% and very high surrender costs, expect to be mis-sold more and more. What is the @FinMinIndia doing?
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@monikahalan
Monika Halan 🇮🇳
11 months
Ran into CB Bhave, ex Sebi chairman, at Mumbai Airport. Indian mutual fund investors owe him a big thanks for making the product go front commission free in 2009.
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@monikahalan
Monika Halan 🇮🇳
2 years
b. There is no underlying asset to a digital token. Shares have firms that make products and services. Bonds have borrowers and lenders. Gold and commodities have intrinsic use. Metals are valuable because we give them that value.
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Monika Halan 🇮🇳
2 years
Ye kab hua?
@nytimes
The New York Times
2 years
A two-day nationwide strike in India, involving both public and private sector workers, has disrupted transport and other services across the country. Workers are protesting the government’s economic policies, including a privatization plan.
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Monika Halan 🇮🇳
5 years
Insane.
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Monika Halan 🇮🇳
3 years
Family Man 2 was even better than 1. Edge of the seat viewing. And it leaves us with a new enemy to mask up against. Waiting for 3 - jaldi banao! #TheFamilyManOnPrime @BajpayeeManoj @rajndk
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@monikahalan
Monika Halan 🇮🇳
1 year
Thank you @Tejasvi_Surya for taking up this very important issue in Parliament. Understanding money is a life skill that must be taught in schools and colleges. More power to you!
@Tejasvi_Surya
Tejasvi Surya (ಮೋದಿಯ ಪರಿವಾರ)
1 year
Personal financial management is crucial life skill that young Indians must be taught as they enter job market. It will help them navigate financial life effectively & prevent falling prey to dubious schemes, debt traps. Urged @EduMinOfIndia to introduce in college curriculum.
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@monikahalan
Monika Halan 🇮🇳
10 months
Already a best-seller! Congratulations NT!
@ARanganathan72
Anand Ranganathan
10 months
Hello everyone. Announcing the publication by @BluOneInk of my new book Hindus in Hindu Rashtra: Eighth-class citizens and victims of State-sanctioned apartheid. All royalties from this book will go to the Hindu Refugee cause. Thanks so much. Order Link:
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@monikahalan
Monika Halan 🇮🇳
3 years
If the third wave does not manifest, we are looking at a super bumper year-end season of shopping, travel and indulgence. Check out airline ticket rates and hotel bookings for Dec Jan period to see what I mean! #GoCoronaGo
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@monikahalan
Monika Halan 🇮🇳
1 year
In which @ShekharGupta gets it exactly right. Absolutely the right lens to view the Adani short sell play.
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@monikahalan
Monika Halan 🇮🇳
11 months
New book! New book! New book!
@HarperCollinsIN
HarperCollins
11 months
Following the epic success of #LetsTalkMoney , @monikahalan 's latest is a comprehensive guidebook on generating wealth by investing in mutual funds. Watch her reveal the cover of her new book, #LetsTalkMutualFunds in this video! Now available to pre-order:
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@monikahalan
Monika Halan 🇮🇳
2 years
When @authoramish @ARanganathan72 @gchikermane get together, I get to be the photographer. After the fantastic conversation at the book release of #waroflanka in Delhi, the afterparty!
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@monikahalan
Monika Halan 🇮🇳
2 years
What can you say about badly brought up men who are never taught to respect women in their own homes. And never gain the maturity to know where to draw lines of decency.
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@monikahalan
Monika Halan 🇮🇳
3 years
Just a warning that there is some data leak from the covid test centres and ICMR system. I just got a call from somebody I don't know who knows that I had covid and wanted my plasma I WILL donate plasma, but not like this Privacy of data has gone to hell @ICMRDELHI @AyushmanNHA
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@monikahalan
Monika Halan 🇮🇳
10 months
This NEVER ending saga of repeated KYC, nominee and other due diligences.
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@monikahalan
Monika Halan 🇮🇳
4 years
There is now double and triple taxation for those in the income tax net. In their effort to catch the non-tax-paying wealthy Indian, @nsitharaman @FinMinIndia is really hurting the genuine tax payers who are getting hurt needlessly.
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@monikahalan
Monika Halan 🇮🇳
3 years
Another call from a 79 year old who has been sold junk life insurance by somebody who lives across the street, is known for years. Senior citizen does not need the money. Has a generous pension. Wonder why IRDAI can't put in basic suitability metrics on sales?
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