Suggest a topic

A lot of you reply to the daily emails with suggestions for posts, and I really appreciate that because it gives me post ideas, and I can write about stuff that is most relevant to you.

Normally, I take the gist of your suggestion; create a title of the post, and note it down on a virtual sticky note. But, the issue with this is that it is easy enough to miss an email, and sometimes the titles on the sticky notes don’t make any sense to me when I look at them later on.

So, I am creating a page here that is specifically for your suggestions for posts. You can leave a comment here suggesting an idea for a post, and if I know enough about the topic I will write about it.

That way we won’t lose track of anything you say, and if multiple people suggest the same topic for a post then I know that it should be written prior to moving on to other things.

Thanks for reading – and writing!

{ 1570 comments… read them below or add one }

surah January 15, 2014 at 9:07 pm

tax free options for senior citizens


Amruta January 16, 2014 at 10:38 am

Coal India futures and cash prices – Dividend effect


saurabh January 18, 2014 at 4:21 pm


Can you pls write an article explaining the co-relation between commodities,equity and bond market.


ankurm January 24, 2014 at 7:56 am

Hi Manshu & Shiv, can you please cover the topic of RBI phasing out pre-2005 notes. What is the impact. How will people with excess black money/ cash be able to get rid of those notes and who will accept such expiring currency from them?

Thanks a lot


saurabh January 31, 2014 at 1:52 pm


Can you pls write an article regarding the various options available to get monthly income to an individual like govt. schemes,any pvt.shemes,mutual fund which give montly dividend etc..pls also write about the taxation aspect for these options.


Prash January 31, 2014 at 11:50 pm

I would like to suggest a topic for discussion:-

Future Investments Strategies ( for e.g TFB, IPO, etc… or of similar kind) to catch upon in year 2014.
With the initial analysis done, we can have a goal set to keep that much money aside and look forward for that investment.


babuli February 15, 2014 at 12:08 am

Can any one you please tell from tax implication point of view what is the difference of dividend payout and dividend reinvestment of a liquid fund.and from a investor point of view which one is better – daily dividend/weekly dividend/ monthly dividend
With regards,
LN Sahoo


Kamlesh February 19, 2014 at 11:41 am

Hi Shiv,

It would be great, if you can share your analysis on NPS and its benefits.



Shiv Kukreja February 20, 2014 at 12:59 pm
Nitin February 27, 2014 at 1:33 pm


I recently stumbled upon your website. I am a techie with little to no knowledge of markets or investment area and would like your advise on how to put my money to good use.

As of now , I have decided to split my investment corpus into 4 parts:
1/4 in PPF
1/4 in a Low risk investment like a FD/Tax free bonds/NSC (please suggest which one i should opt for)
1/4 in a medium risk investment like a ULIP
1/4 in a high return/risk Mutual fund.

All of them would be a monthly investment. Could you please provide your inputs on this or if possible write a detailed topic(or point me to an appropriate post).

Also I am being heavily suggested by a friend to invest in ULIP’s to get adv out of 10 10 D. Please let me know if that is a good idea or is there a better investment available.


Vishal October 13, 2014 at 7:31 pm

Hi Nitin,

As a techie myself, I understand your situation. But after the little bit which I have learnt, ULIPs are a bad option. Also your split above should ideally be decided by both your age as well as family responsibility. You can get posts on OneMint for both, look it up!

IMHO if you are on younger side, 50% of “safe” investment (PPF + FDs/TFBs/etc) is too conservative and you would end up getting a lower return overall. You could instead look at well rated Mutual funds to up your returns.

Good luck!


chintan shah February 28, 2014 at 11:10 am

Is it better to buy tax-free bonds from secondary market which are now getting around 4-8% discounted rate or go for fresh applications?


Kartavi March 8, 2014 at 1:06 pm

Market is all time high.
Is it time to exit or enter ?
Is it time to redeem/sell poor performed MF / Equities ?
Is it time to book profit for good performed MF/ Equities and keep cash for investing at fall.
… a small post please.


M Kumar March 8, 2014 at 7:12 pm




Rakesh March 9, 2014 at 6:36 pm

Dear Manshu
I remember sending a mail earlier regarding Real Estate market in India. and you wrote one article on the same. Now its long time that this article needs to be updated and to have latest updated information on real estate trends in India. Are we still bubble in Real Esate in India or real estate market has a long way to go before any major correction. A detailed article is expected with indepth analysis of market for general investors since most of the investors are still waiting on sidelines -whether they have missed the chance to invest OR still thre is a value left in Real Estate in India. Thanks


santonu March 12, 2014 at 4:35 pm

Kukreja Sir/Manshu Sir ,please give your valuable sugesstion in respect of LOHA -ISPAT IPO which is active now as this this the major IPO in NSE/BSE platform after a long time. Should we go for it


Amlan Basak March 16, 2014 at 10:22 pm
Shiv Kukreja March 17, 2014 at 8:59 pm

Hi Amlan,
I have just started working on it. I’ll try to complete it as soon as possible.


Chauhan March 17, 2014 at 1:26 pm

I’m keen that we somehow start a theme that compares keeping your money abroad (in say USD, GBP or SGD etc) vs sending it to India for investment purposes. Which is to say, how do foreign currency gains v the Indian rupee compare with high interest rates (on a/c of high inflation) in India.


Radhika March 18, 2014 at 5:06 pm


Can you please explain the reason for the increasing importance of silver and why people are advising you to buy more silver now as it will be an important investment for the future? How did the importance shift from gold to silver? Also, what is the best way to invest in silver?



yashasvi March 24, 2014 at 1:39 pm

hello Radhika,

I just started to work on this. i will give you reply very soon.


Biswajit March 18, 2014 at 9:58 pm

I think you must be planning to write a post to review the new CPSE ETF. In any ways, I thought it would be good to tell you that I’m waiting for that kind of post and would be helpful for a lot of people like me. Thanks in advance.


Shiv Kukreja March 18, 2014 at 10:00 pm

Hi Biswajit,
I am currently working on it and hope to post it in the next 2-3 hours from now.


Deepak April 7, 2014 at 2:01 pm

Dear Manshu,

This is regarding the gold plans offered by Satyug Gold (a new firm promoted by Shilpa Shetty et al)

The 5 year plan offered by them is interesting as it gives a 37% “discount” on the gold rate.

It seems near impossible that the price of the gold will fall more than 37% in 5 years.
The lock in of 5 years is acceptable as I don’t intend to sell the gold.
The only concern is the credibility of the company. Is there any other catch or loop hole that I am not able to spot?

Would you invest your money in this plan if you wanted to include gold in your portfolio?

This can be an excellent article to make people aware of an alternative to invest in gold – or make them aware of the pitfalls.


Sagar Diwan April 8, 2014 at 3:24 pm

Why is indian bond market and gsec yields struggling when other macros are significantly improving ? Inflation soothing , equity markets making new highs every day, FIIs pumping into the markets, Rupee rising.

Just trying to understand why the debt market is left behind ? Could you please do a post highlighting the factors affecting this ?


hemen parekh April 10, 2014 at 3:33 pm

Don’t Ask ” How ” ?

At the bottom of the 42 page Election Manifesto of BJP , released yesterday , I tried to search , if in very small print somewhere , there was a footnote which read ,

” Please , don’t ask how we plan to implement these promises ;
From where we plan to find all the money to execute these projects ”

Here are my back-of-the-envelope estimates of what some of the MAJOR projects might cost :
PROJECT ……………………………… Approx Cost ( Rs Lakh * Crores )
> 100 Mega Cities…………………… 90
> Interlinking of Rivers……………… 60
> Sagar Mala of Ports……………….. 30
> Highways ( 25,000 Km )………….. 50
> Housing ( 100 mill units )………… 100
> Rivers Cleaning…………………….. 10
> Other Infra Projects……………….. 100
* Freight Corridors
* Gas Grids
* OFC Network
* Quadrilateral Bullet Trains
Total ……………………………………Rs 430 Lakh Crores
Admittedly , not all of these money will be required in the very first budget that NaMo government ( – of course , only if voted to power ! ) , would present by end June 2014

But a problem does not go away by postponement !

There is only ONE viable solution to the FUNDING problem , viz:,

> Union Government must NOT even try to fund these projects !
There is NO WAY , it can find these kind of money thro taxation !
There will be a revolt !


> Make it possible for the PUBLIC to invest into these projects by ” owning ”
these projects – and earn a reasonable ” tax-free ” return on investments
( Bonds ? ) in these projects

> Towards this end , create various INFRASTRUCTURE SPVs

> Immediately modify PERSONAL INCOME TAX regime as follows :

> Up to Rs 5 lakhs………………… NIL
> 5.1 – 10 lakhs………………….. 8 %
> 10.1 – 20 lakhs…………………. 6 %
> 20.1 – 50 lakhs………………… 5 %
> 50.1 – 100 lakhs………………… 3 %
> Above 100 lakhs…………………. 1 %

What is likely to happen with such ” INVERSE TAXATION ” regime ?

Following few things :

> Total personal tax payer base will go up dramatically from current 4
crores tax-payers

> with this ” INVERSE TAX REGIME ” , there will be no incentive to evade
taxes and to generate ” BLACK MONEY ”

There will be no resistance to accept ALL payments by cheque / electronic

The more you disclose as your income , the less you pay by way of taxes

( Of course , incrementally )

> For a change , we will learn to reward honesty / efficiency / productivity !

No need to bribe those Income Tax officers !

> Suddenly , lakhs of crores of BLACK MONEY will become WHITE MONEY

> There will be a huge surge in bank deposits ( – even with , the inevitable
lower interest rates )

> Banks will be awash with funds to finance businesses / infrastructure
projects etc , encouraging entrepreneurs / self-employed to set up new
businesses ( at 2 % interest rates of loans ) and generate millions of jobs

In any case , BJP manifesto promises :

> Rationalization and simplification of the tax regime – which is currently
repulsive for honest tax payers

> The process of bringing black money to India , what belongs to India , will
be put in motion on priority

> Minimize scope for Corruption

Narendrabhai ,

Here is your chance to ditch the ” Historical Baggage ” into the Indian Ocean
and come up with an INNOVATION that will take India ahead of China !

If President Kubitschek of Brazil ( 1956-61 ) – son of a poor salesman – could construct Capital city BRASILIA and a 1500 Km highway , in 41 months , surely , you can do better , 57 years later !

* hemen parekh ( 08 April 2014 / Mumbai )


Ramamurthy April 11, 2014 at 8:09 am

Dear Hemen
About the inverse Tax slab you advocate,can you please let me know under which slab you come?


xavier August 2, 2014 at 2:36 pm

and the point is … what ?
the idea sound s good , daring and debateable , so why know who proposed it and what slab he is in .


rudra May 5, 2014 at 7:41 pm

i really like you understanding i would like to know about how sensex and nifty work and how its share value incease and decrease .

what current account deficit with example .


santhosh May 6, 2014 at 11:11 am

Please advise some fool proof way of creating long term wealth over a period of time horizon 10 to 20 years, such as
1. Invest in RealEstate Plots
2. Invest in ETF
3. Invest in Gold and silver Bars


Tejas May 22, 2014 at 9:45 am

Options and taxes to be paid by NRIs to repatriate the fund from India to outside.


Sanjay Singhaniya May 23, 2014 at 11:15 am

Why there is no FMP in 10 year in government bonds? Why there is no ETF in 10 year government bonds? These would be tax efficient structures saught by retail investor, right?


Colin May 28, 2014 at 1:04 pm

I have a real tough time to measure the current value of insurance-linked products that provide payback after the 20-25 year period. Is there a way to do this easily? How should i evaluate whether its worth continuing with a policy? Or just putting money to better use somewhere else.

I am removing the insurance element (which is totally incorrect) from the equation but seems to be the only way to measure current worth. I could assume that i take a term policy perhaps to nullify this?


Manshu May 28, 2014 at 9:56 pm

Colin, the way to do this is to simply calculate the IRR from the policies, and usually you will find that there are several assumptions you have to make to predict the returns of the insurance policy, and that’s where the companies have leeway in saying that the policy returns 10% and then have a cute little disclaimer that says only if the company generates that much return. So it is all a bit complicated. However, IRR is the easiest way to go about it. I might do a post about it or link to one that someone else has done.


Prakash May 29, 2014 at 11:59 am

Dear Sir,
Please start new topic of Health Insurance Claim Settlement Ratio.
Thanks and Regards,


Manshu May 29, 2014 at 9:08 pm

Not sure if they release it though, I haven’t seen one from them.


Sarath June 4, 2014 at 6:04 pm

Your post are seriously good and the way you present them are excellent.
In some old post you gave an explanation about the ways Indian government gets revenue.

Can you explain how the state governments in India get their revenues from.This would be really informative


srinivasa raju June 15, 2014 at 9:54 am

what are the saving instruments that will give monthly 12% returns?
how to save Rs.50lacs to get monthly returns with out tax burden?
what are the best yielding saving schemes?


Krunal June 19, 2014 at 2:18 pm

If possible can u guys talk about hyper inflation scenario in Zimbawe, Chile and other countries that faced it. I think it will share a good knowlegde on economics and finance. Or if u can share some informative articles on this.


Raj June 22, 2014 at 9:46 am

8 Things to know before investing in the Stock Market
From Team

Markets hit historic high; Sensex crossed 25,000 points last week and analysts are anticipating crossing 30,000 points in this financial year. If you are retail investor would like to be part in the recent rally then you have to be disciplined investor .There are many important things that you need to know to invest successfully in the stock market. 8 of the most important things that we can share with you based on many years of trading and investment experience are enumerated below.

1. Don’t depend on Tips do your own research and take full responsibility for your investment decisions.

2. Concentrate on long term results at least for 3-5 yrs

3. Fear in others is an opportunity for you; always invest when market is in correction.

4. Do Not Put All Your Eggs in One Basket, diversify your portfolio in 3/4 sectors to maximize profit.

5. Don’t invest in stocks all at once: invest small amounts monthly.

6. Have Realistic expectation, don’t expect 50/60% return from all stock

7. Invest only your Surplus fund, don’t borrow or invest funds that you need in near term.

8. Monitor rigorously, you need to review your portfolio time to time so that any important event doesn’t affect your profits.

These are the best tips that you can follow while investing in stock market. Research well and be careful while investing. All the best for your success in share trading.


ashu June 25, 2014 at 1:40 pm

stp vs sip which is the better option?


sandeep July 7, 2014 at 12:32 pm

One useful topic for all widows, Is it required to declare pension as income? and if there are any components in pension that is non-taxable?


Karthik Reddy Chintaparthi July 19, 2014 at 12:02 pm


Recently I have heard the news of govt planning to merge many small PSU banks into larger PSU banks. How does it effect share holders ? Please enlighten.

Thanks, Karthik


Kartavi August 7, 2014 at 6:09 pm

…. your views on warning of Mr Raghuram Rajan for global market ‘crash’. Will FII withdraw money from Indian market again like 2008 ?

link :


Ninan August 16, 2014 at 11:22 am

Dear Sir
I would like to know which gives better yield. Fixed deposit or go in for Recurring Deposit. The advantage I find in a recurring deposit is that I am freezing the interest rate of the recurring deposit for the next 10 years or for the period of the recurring deposit irrespective of rate changes. Dont you think this is a great advantage for people who save monthly rather than going in for FD every month. Your views please


Vijay K August 23, 2014 at 11:10 am

Snowman Logistics IPO should we subscribe


Yogesh Ingole August 24, 2014 at 2:55 pm

Dear Shiv,
Could you please cover the new IPO – snowman logistics hitting next week in the market for bidding?
its Gateway distripack promoted complany?
Can you please advise on this IPO?



Shiv Kukreja August 25, 2014 at 6:32 pm

Hi Yogesh and Hi Vijay,
I am working on Snowman Logistics IPO review, I think I’ll be able to post it by the end of the day today.


KS August 31, 2014 at 5:48 pm

Hi, Would like to get your or Kukreja’s views about recent Jaitley’s Jul-2014 Budget implication due to LTCG Tax in non-Equity Debt Mutual funds. The perspective I am looking for is NOT advise to new investors to enter Debt Funds .. but rather advise to Retail Investors who had invested in various Debt funds about a year or so ago (as safety measure during equity bear phase and waiting for Modi budget revelations to switch to Equity funds) but now ‘trapped’ in higher tax if they switch out!! I am thinking it is good to switch out anyway, paying the higher 20% tax in the hope of bettering returns from Equity-MF (in next 1-2 yaers) to compensate for the extra tax loss now. What do you think?


Yogesh Ingole September 4, 2014 at 11:04 am

Hi Shiv, It looks like , everyone likes to take the advantage of the euphoria on markets…..So after Snowman IPO, there is a Sharda Cropchem IPO lined up in the queue opening tomoro….

Are you going to cover it and advise if to invest in it?



Shiv Kukreja September 7, 2014 at 2:09 pm

Hi Yogesh,

I have just posted it, please check.


Kartik September 10, 2014 at 7:43 am

Demat Accounts
1. The various charges levied in buying/selling shares.
2. The multiple options available (market, limit, cash etc)


SB October 14, 2014 at 8:19 pm

Hello Shiv,

Can you post articles on the following topics:
1) Inflation indexed mutual funds (like the upcoming SBI inflation indexed bond fund)
2) Arbitrage mutual funds (latest finance bill offers additional tax sops on this)
3) Open ended vs. close ended equity mutual funds?
4) How to select a good equity mutual fund?



Balasubramanian October 15, 2014 at 12:57 pm

Can you please give your recommendation on Milestone Real Estate Fund 10, which is now open for subscription?


Pavan October 19, 2014 at 10:11 am

Hi Manshu,

I ready your blog regularly, Can you please shed some light on lending clubs (peer to peer lending) like in India and in US.



nilesh kotak October 20, 2014 at 4:02 pm

pl.give idea about mutualfund schewme portfolioturnover ratio and expense ratio and also guide about new fund offer why they are higlighting that issue at par


Yogesh Ingole October 25, 2014 at 9:43 am

Hi Shiv,
Could you please suggest your views on the de-merger plans for crompton Greaves for the consumer products. Lots of investors have turned down this move.?


Abhigyan Gupta October 30, 2014 at 5:24 pm

Hi Manshu,

I like your articles and am a regular follower of your article. I wish, you also cover on Currency Exposure risks and hedging through Currency Derivative Market.
Are there any broker who provide Trading in Currency Options?

Thanks & Regards,
Abhigyan Gupta


johar November 2, 2014 at 6:51 pm

Pls suggest top divident paying companies in India.
Pls give list of low beta stock in India.



santonu November 20, 2014 at 10:43 pm

Indian stock market is at life time high, economy is improving as per recent macro data, inflation is in downward trend, CAD/trade deficit is contracting, FII inflow is increasing, in spite of all these favorable factors ,why rupee is depreciating against USD day by day.


Shiv Kukreja November 20, 2014 at 11:04 pm

Rupee is depreciating coz US dollar is getting stronger against all other global currencies. Stronger US economy and withdrawal of quantitative easing by the Fed are the main reasons behind stronger US dollar. In fact, among some of the top economies of the world, Indian Rupee has depreciated the least against the dollar in the last 3-6 months.


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