The Finology Podcast

Stock market corrections have a strange effect on investors. Prices fall a little, uncertainty rises a lot, and suddenly long-term investors start behaving like short-term traders. But corrections are not an anomaly. They are part of the market’s natural rhythm. Almost every strong bull market in history has been punctuated by phases where prices cool off, valuations reset, and sentiment turns cau...

In this episode, we discuss how portfolio construction differs when decisions are strategy-driven instead of fund-driven. We explore how timing plays a role when deploying capital, and whether flexibility in buying and selling can meaningfully impact outcomes over a full market cycle. Costs are another silent factor that compounds over time. Even a small percentage difference can create a visible...

This episode takes a clear, practical look at what is driving the current movement in precious metals and how their role within a portfolio should be understood beyond short-term price action. Rather than reacting to headlines, this conversation focuses on allocation, perspective, and the strategic place gold and silver can hold within a long-term investing framework. If you are evaluating where t...

Artificial Intelligence dominates headlines today. From predictions about mass job losses to fears of machines replacing human intelligence, the public narrative around AI is dramatic and often misleading. This episode offers a grounded and practical perspective on what AI actually changes in the world of work. _____________________________________________________________ ➡️Subscribe to Finology 3...

This episode explains how to think about insurance from a risk-first perspective rather than a product-first one. Using a simple four-part risk mitigation framework based on frequency and severity, it shows how to decide which risks should be avoided, retained, mitigated, or transferred to an insurer. I explain the hidden traps buried in policy asterisks, illustrating how definitions, exclusions,...

Small-cap investing exists for one reason: growth that large caps can no longer deliver. This video explains why small caps offer access to niche sectors, early-stage businesses, and low-base opportunities that can compound faster and rerate sharply when the story plays out. Then comes the reality check. Small caps are a bad starting point for most retail investors. The data is clear. While long-t...

The 5th episode focuses on how Flexi-cap funds are the most powerful category in mutual funds and the most dangerous. It explains how flexi-cap funds can behave like large-cap, mid-cap, small-cap, or even hybrid funds, depending entirely on the fund manager’s decisions. With no market-cap constraints, outcomes are driven by the manager’s skill, philosophy, and incentives. _________________________...

The Fourth episode of our Mutual Fund Series for 2026 deconstructs the Large & Mid Cap category through a first-principles, data-led lens. By stripping away labels and studying full-cycle return behaviour, we explain how mid-cap graduation creates structural alpha and why large-cap anchors are essential for compounding stability. The focus stays on capturing maximum embedded alpha with control...

The third episode of our Mutual Fund Series for 2026 explains the dual-cost framework of Gold FOFs, why it differs from index mutual funds, and how the expense ratio and tracking error together determine investor outcomes. You will also see a data-backed comparison of leading Gold ETFs, practical illustrations on tracking efficiency, and why a higher-cost fund can still deliver better returns. Top...

This episode looks at how ETFs are actually bought and sold, how liquidity is provided, and how transaction mechanics influence the real cost of ownership for retail investors. The focus is on understanding the structure behind ETFs and how it differs from index mutual funds in practice. The goal of this discussion is clarity. Once the mechanics are understood, cost comparisons become more intuiti...

This second episode of the Mutual Fund Series for 2026 focuses on Large Cap Funds, explained with data, index comparisons, and clear guidance on where they fit in long-term investing. Explore The Courses: https://tinyurl.com/personal-finance-yt Join F30's waitlist: https://recipe.finology.in/app/stocks

The first of Pranjal's Mutual Fund Series for 2026. We’re starting with Liquid Funds, the most undiscovered category in mutual funds. Learn how to evaluate liquid funds, how they compare to savings accounts and FDs, and how to actually use them as a financial tool.

Think research reports are helping you invest? Think again. Most look impressive, but behind the jargon and five-year forecasts, they’re often more confusing than useful. In this episode, Pranjal breaks down how unrealistic projections get dressed up as insights, why complexity becomes a shield, and how investors get trapped in numbers.

PPFAS just launched a scheme with a simple structure and a sharp purpose. In this episode, Pranjal breaks down what makes it different, the gap it tries to fill in today’s equity market, and why its execution philosophy matters for long-term investors.

Most people don’t pick the wrong mutual fund; they pick the wrong category . In this episode, Pranjal talks about a simple, goal-linked way to choose the right mix of equity and debt, estimate your future cost, and calculate the SIP that actually gets you there.

You’re about to get absolute clarity on the best term insurance plans for 2026. In this episode, you’ll see how a strict, research-driven process filters 21 insurers down to the ones that can actually protect your family decades from now. You’ll walk through the 4 filters that matter most: Claim Settlement Ratio (4-year average) Amount Settlement Ratio (4-year average) Solvency Ratio Annual Busine...

You’ve probably been tempted by finance seminars at some point, but most of them sell dreams, not real education. In this episode, Pranjal shares his personal experience and reflections on why these seminars often fail to give you genuine value. They charge high fees, lean on emotional marketing, and recycle advice that barely scratches the surface. True financial learning doesn’t come from flashy...

A few years ago, Pranjal was all for real estate. Then experience, and a few costly lessons, flipped his view. In this episode, he reveals what changed: why under-construction projects aren’t as dreamy as they look, when land can actually beat flats, and the hidden traps most investors miss. If you’ve ever thought, “Maybe I should buy property,” listen to this before you do.

Pranjal is back with Finology's annual list of the Best Health Insurance Plans for 2026 . Shortlisted through a transparent, data-backed process from 3 insurers, this episode helps you find the right plan, without falling for sales traps!

It’s the biggest pension reform in years, with more equity, more flexibility, and more control. But who’s really benefiting from all this? Tune in as Pranjal explores how a system built for disciplined saving might be turning into a market-driven playground.

Most people think wealth comes from luck, timing, or privilege. It doesn’t. Wealth begins when you decide to be exceptional at what you do; when you stop chasing quick wins and start mastering your craft. In this episode, Pranjal explores the mindset that quietly builds wealth over time. You’ll see why a 9-to-5 can absolutely make you rich, how ownership of your time changes everything, and why ma...

Everyone’s chasing US stocks and global ETFs these days. It sounds exciting, almost necessary. But do you really need to go global? In this episode, Pranjal tells what international investing actually means for long-term investors; the real benefits, the hidden risks, and how to know if it fits your goals.

Blindly holding a mutual fund forever isn’t a strategy. In this episode, Pranjal breaks down when it actually makes sense to exit, like when goals are met, markets are overheated, or a fund has lost its charm, and when you’re better off holding. It’s not about panic-selling, but about being intentional and letting your money work harder for you.

The government’s big tax reform is here, but is it changing anything for you? In this episode, Pranjal breaks down GST 2.0: the new tax slabs, what gets cheaper (and what doesn’t), whether your insurance premiums will actually fall, and how the stock market is reacting. If you’ve been wondering whether GST 2.0 will ease your monthly budget or just make headlines, this is all you need.

A lot of people think AI will magically find winning stocks, but the truth is more nuanced. In this episode, Pranjal shares how AI can genuinely support investors, the limitations you should know about, and where it fits into real-world investing.