Moneywise S2 Ep14 | What Are Equity & Debt Mutual Funds | Achar-Dahi Analogy for Beginners

Is Equity really like spicy achar and Debt like cooling dahi?
Surprisingly… yes! Just like a plate needs both for perfect balance, your investments can also benefit from the right mix. 🍛

In this episode of Moneywise, Virat and Rachita break down Equity Mutual Funds and Debt Mutual Funds in the simplest way possible; without jargon, without hype, and without any unrealistic claims. This episode helps you understand how these two categories work, how they differ, and how combining them can support long-term financial planning.

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🔎 Chapters

00:00 Intro
01:37 What is an Equity Mutual Fund
03:09 What is a Debt Mutual Fund
04:30 Common Allocation Mistake
08:30 Goal-Based Planning
08:49 Myths vs Facts
10:00 Recap

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🎯 You’ll Learn:
• What Equity Mutual Funds invest in and why they come with higher ups and downs
• What Debt Mutual Funds invest in and how they provide relatively stable movement
• Why many investors use both categories to create a balanced, goal-aligned portfolio
• How beginners can think about allocation depending on time horizon and comfort with volatility
• Why understanding the basics matters more than trying to “time the market”

This episode is perfect for anyone starting their investment journey or trying to understand how Equity and Debt may fit into long-term potential wealth creation.

Mutual fund investments are subject to market risks. Read all scheme-related documents carefully.

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