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10 years of change in regulations, habits, products and practices in India's money world. @livemint marks the transformation.

1. Each year 2010-2019 has a new winner in returns.
@sunitaam maps the annual returns of 10 financial products.

livemint.com/money/personal…
@livemint @sunitaam Take a look at the chart that shows buying last year's winner is a sure way to lose
images.livemint.com/img/2019/12/30…
@livemint @sunitaam 2. Households, more due to the savvier younger cohorts, began the change of an old habit of buying real estate, life insurance and gold.
@tineshbhasin and @DishaRSanghvi map the change
@livemint

livemint.com/money/personal…
@livemint @sunitaam @tineshbhasin @DishaRSanghvi 3. Technology was the biggest change maker that pushed down costs, pushed up speeds and made for a more transparent market place.
While @SEBI_India was proactive, IRDIA and @RBI dragged their feet on consumer protection.
@deeptibhaskaran @livemint
livemint.com/money/personal…
@livemint @sunitaam @tineshbhasin @DishaRSanghvi @SEBI_India @RBI @deeptibhaskaran 4. 10 Big wins for investors
livemint.com/money/personal…
@livemint @sunitaam @tineshbhasin @DishaRSanghvi @SEBI_India @RBI @deeptibhaskaran 5. 10 big losses for investors
livemint.com/money/personal…
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More from @monikahalan see all

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Monika Halan
@monikahalan
#BudgetwithMint|
Speech begins with a reference to 'new India' and the election result. Taking it as a validation of the performance of the government.
Validation of the two goals - national security and economic growth
#Budget2019
#BudgetwithMint|
Mazboot desh ke liye mazbooth nagrik
Empower the citizen to make the nation strong
Refers to Chanakya: Determined human effort leads to task completion
#Budget2019
#BudgetwithMint|
Vision for the decade:
Goal of USD 5trillion is the focus. The vision for the decade in 10 points.
Social infra, digital india, pollution free, make in india, water, space, self sufficiency in food grains and export, medical, clean India
#Budget2019
Read 83 tweets
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Monika Halan
@monikahalan
1. The insurance lobby is opening the 'parity' box.
indianexpress.com/article/india/…
It wants 'parity' with NPS for that extra Rs50k that NPS gets over the Rs 1.5 lakh deduction. My suggestion to @nsitharaman and @FinMinIndia is this: We MUST open this box and see what else we can fix.
2. Let's open the 'parity' box for the thinly disguised bank deposits called endowment or traditional plans that take 7-8% return G Secs and turn them into 2-4% return, with a tiny crust of life insurance. The commissions of 30-40% (illegally much higher), need parity with FDs.
3. Ulips need parity with mutual funds and must go 'no load' or zero commission on the investment part of the premium. Again, just 10% of the premium goes towards a life cover, giving the rest 90% that is invested a free pass on ALL other taxes other investments have to pay.
Read 7 tweets
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Monika Halan
@monikahalan
2018 saw mutual fund investors gain some and lose some.
1. LTCG tax hurt, but Sebi's lowering of expense ratios and reclassification helped retail investors.
livemint.com/Money/rdwkNwCu…
#2018yearinreview
@livemint @sunitaam
2. Both equity and debt funds were under pressure in terms of performance.
#2018yerainreview
@livemint @LisaPBarbora
livemint.com/Money/Fg1BVWQ4…
The life insurance sector saw changes in the product structure and health insurance got more consumer friendly.
@deeptibhaskaran @livemint
#2018yearinreview
livemint.com/Money/tDYHtFHt…
Read 4 tweets

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