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!

{ 171 comments… read them below or add one }

Saikiran October 9, 2013 at 1:54 AM

Hi Manshu,

Can you provide an article how are Indian and Chinese economies are similar/differ to each other.


andy October 11, 2013 at 7:40 PM

Hi, can you suggest ways for Indian citizens to invest in US Bonds beacuse as of now mutual funds are available for US stocks but I cant find way to invest in US bonds for small investors.


Mohit Golchha October 16, 2013 at 11:55 AM

Hi Manshu,

I have heard about the term “Common Stock”. Surfed and got to know abstractly. Can you write a post on it or give me a good link to know more about it detaily.



Rajeev October 17, 2013 at 2:48 PM

Tata Global Beverages Low coupon bond. Or any other Low coupon bond.
Should Investors touch it?
Kindly provide your view on this.


Ramamurthy October 18, 2013 at 10:06 AM

There is an important change in the Reverse Mortgage policy.Earlier Banks were offering this scheme only for 20Years.Now a change has been made.Now there is no age cap.
The mortgagee gets the benefits for life time.


k October 23, 2013 at 2:58 PM

How does govt infuse money into bank ? Do they just print and give to banks ?


Shriram Bejalwar October 25, 2013 at 8:48 PM

Can you give me the legal position on Capital Gains Tax on sale of immovable properties ?


santonu October 26, 2013 at 8:07 AM

Manshu ,you often write that you pick up stocks when market is down or stocks are at attarctive level.What is your strategy when market is high like these days ,sell or wait for further fall or keep idle


k October 28, 2013 at 2:11 PM

Is there any mutual fund or ETF which one can buy to track USD index in india ?


Deepak October 28, 2013 at 4:26 PM

Hi Manshu,

There are a number of tax free bonds in the market every year, for the past 3 years.
The interest rates are different for each bond in each year!
What makes it more complicated is that the interest rates are different for the same bond if you have got a direct allotment or bought it from the stock market.
Each one comes with a different date of interest payment.

With all this, it has become really difficult to track the interest payment. I also find it difficult to link the bonds to their Scrip ID and Code because of the long list of bonds in my statement.
I also don’t know in which month will I receive the interest of the bonds that I purchased last year.

Would it be possible for you to have a table with the following details as one of your articles?
Year of Issue
Scrip Id
Scrip Code
Rate of Interest (Direct Allotment)
Rate of Interest (If purchased later)
Due date of interest
And anything else that you find appropriate…

I’m certain it would benefit a lot of people.



Shiv Kukreja February 1, 2014 at 12:11 PM
Ramamurthy October 31, 2013 at 7:51 AM

I shall be deeply obliged if you can do a post on Quantititive easing.I would like it to be exhaustive but simple to understand.If you do not find time to do this can you please let me have links to some web sites which have done such an excercise.I googled but it was not a success.Thank you again.


Ams October 31, 2013 at 9:48 AM

I agree with Ramamurthy’s point. I too would always like to have a simpler explanation of the QE, which you provide in an apt manner.



Karthik November 6, 2013 at 11:44 AM

Introduction to investing.
1) How to get started in the fascinating world of investment?
2) Procedure to open a DeMat account etc…
3) Any website which can be used to buy stocks etc. (being new, i am guessing that Sharekhan is such a website. But pls suggest ones which are good and easy to use and follow)



Karthik November 6, 2013 at 11:49 AM

Introduction to investing.
1) How do I get into the fascinating world of investing?
2) Procedure to open DeMat account etc.
3) Any website that I can use to buy and sell stocks (being new I am guessing Sharekhan is one such website. But pls suggest ones that are easier and better – lower service charges etc)



babuli November 8, 2013 at 2:24 PM

I am trying with different DPs to open a Basic Demat Ac but still not suceesful. Can any one have an suggestion. Thanks


Ramamurthy November 8, 2013 at 4:27 PM

I dont know what is the problem,Babuli.


santonu November 12, 2013 at 11:45 AM

If we have to compare a stock performance with respect to its previous year, which will be a better tool -its market price or market cap. Market price may be misleading because it is linked with bonus share/stock split


Ramamurthy November 27, 2013 at 8:42 AM

I read in one of finance journals that BSE index is at 15xFY15 earning.
Can you please let me know what does this mean and how is it calculated?


vignesh November 27, 2013 at 1:05 PM

sir/madam .. i am preparing for a B school interview where my basics in finance is going to be tested. Hence i tried reading micro-economics and macro-economics higher school text books . However they are too humungous and are from a school exam point of view. So Is it possible for you to send me some material or come out with weekly explainers that are essential to understanding the world of bussiness , finance , stock market and numerous other jargons that come out in papers like Business line , Economic Times


Karthik Reddy Chintaparthi December 2, 2013 at 11:20 AM

LIC is withdrawing 34 policies from Jan 2014. I am a policy holder in Jeevan Anand since 6 years. Will I be affected ?

Also they claim that they are withdrawing due to norms from IRDA. What are they ? What are the discrepancies ?



johnny December 7, 2013 at 12:39 AM

What is the impact to financial accounts owned by an Indian once he moves to a foreign nation for employment. What is he supposed to do with his savings accounts, mutual funds, demat account, PPF account, EPF account etc. Can you please do a writeup on this. Though I can find the information in internet I want to see your thoughts and also the experience of onemint readers on how they deal with it.



Sanjay December 9, 2013 at 10:22 PM

Given current 9 % yield of Government bond, I would like to lock it by purchasing long term gilt fund. Which gilt fund will you suggest for that? I would like to have gilt fund which always keep maturity around 10 years and does not charge more than 1.5%. So that I will be sure that my objective of “long term” gilt fund is met.


saurabh December 18, 2013 at 10:06 PM


Can you pls do a review of NFO Sundaram Select Micro-cap Series 1.
Is it worth investing in this fund or avoid?


Prabakaran December 20, 2013 at 8:27 AM

I am the regular reader of your article, which gives good knowledge about financial sector. I am investing in share market for couple of years and taking good returns of 5-7% per month. My topic is “what hedge fund guys are really doing?, and will be able to get same returns in India like other hedge funds in united states?



santonu December 20, 2013 at 1:38 PM

can you write a topic about the difference of our behaviour /approach while purchasing through cash and credit card.


Kartavi December 22, 2013 at 6:36 PM

Market is around all time high. You have had a nice post on :thoughts on equity, gold, FD, house etc. Please go for it again.
… common investors like us neither able to calculate forward PE of market nor identify the phase of the business cycle. They always remain in confusion : Should I start today (when market is near to all time high) a new MF SIP if there will surplus fund every month ?
… regarding gold… they invest in gold not as an investment but to meet future social requirements. And looking to recent changes in govt’s gold policy, what one should choose : GOLD ETF or GOLD coins. Is there any threat to Gold ETF funds ? Which GOLD ETF is better at current situation ? Why the prices of GOLD ETFs like GOLDBEES, KOTAKGOLD and SBIGETS are different ?
Please spare some time and post your thoughts…


Aditya Gokhale December 22, 2013 at 6:51 PM

Would like to suggest a topic – Reinvesting the interest earned from Tax free bonds


SUSHIL AGGARWAL December 24, 2013 at 10:51 PM

Please enlighten us about rules, benefits and accounting of capital gains accounts with banks for depositing sale proceeds of house. Thanks


Ramamurthy December 25, 2013 at 4:26 PM

There is a lot of talk about BITCOIN.Can you please do a post on this?


Sanjiv Kumar December 27, 2013 at 8:35 AM

Please do write article related to retirement planning . This aspect is mostly not addressed during initial phase of life. How to create core corprus without having risk of capital erosion and regular flow of income. The product should be tax efficient.


Yatish Singh Nirwan December 28, 2013 at 1:52 PM

Its really feels awesome reading your articles Thanks!!!!!!!!!!!!!!!!!!!!!!
Somebody told that 1 US dollar stands x amount of rupees………
1) Why we accept that
2) How they found the exact values


Kamaal January 2, 2014 at 11:12 AM

Castrol is reducing its Capital from Rs 10 paid up shares to Rs 5. Can you pls advise how this will work for small investors like me and what will be the likely impact on share price in future?
I think this is the first time any Indian company is taking this route for capital reduction?



Jatin January 2, 2014 at 9:39 PM

Hi Manshu!
I have a topic which I think would resonate with a lot of working professionals. I work in an MNC and am covered for medical insurance for self and dependents for Rs. 5 Lakhs by my employer. However, given the rising medical costs I feel I should go for an additional floater.
My details : 27 years single male with dependent parents (mother & father)
Question : What would be your recommendation for an additional floater? I’d like to choose a value insurance provider since I already enjoy a good base coverage from my employer. Please note that I also need to be able to add my spouse and kids as dependents in the future.
PS – Was looking at Oriental Happy Family Floater (Silver Pack) as a viable option – your comments?


Manshu January 6, 2014 at 1:05 AM

Hi Jatin,

Thank you for the suggestion but I won’t be able to write on this because I’m not very well versed with the products in this area.


Sagar January 7, 2014 at 10:58 AM

May I request you to post on the Income tax deductions for people having two houses with home loans, with one being used as residence and other generating rental income?
I know that rental income on second house (if any, else notional / standard rent as per the area) is part of income and the interest portion from the loan can be claimed for IT deduction in addition to the home loan interest (& principal repayment under 80C) for the home where one is residing. But I believe many people are not aware of this and end up hiding the rental income (& second home loan interest) and then paying “more” income tax.



Gaurav Malik January 8, 2014 at 10:20 PM

Hi Manshu,

Would request if you could do a post on Assured Savings plan, Life insurance companies these days are luring customers with pay for 10 years and get guaranteed income after 15 years at 8% return and that to tax free. Should one be lured by such products.


Manshu January 9, 2014 at 6:07 PM

I am yet to see an investment product from an insurance company that is worth considering, and I’ll be surprised if this changes anything. I’ll take a look though.


Gaurav Bansal January 13, 2014 at 9:13 AM

FII’s have pumped in almost around 3500Cr into the Indian debt market vs just 500 odd Cr into the equity. What this bode for the debt market, debt MF’s specifically?


Shiv Kukreja January 13, 2014 at 12:23 PM

Hi Gaurav,

FIIs started taking out money from the debt markets when US Fed decided to taper QE3 in May and also when CAD was a big problem for the Indian financial system. Now, with QE3 tapering factored in and CAD situation getting better, they probably think the worst is over for the Indian debt markets and so have decided to put their money here.

Outflows from the equity markets were limited, so are the inflows. You’ll see higher inflows into the Indian equity markets with some improvement in the economic growth and with a stable & decision-making government at the centre, either Modi-led government or Kejriwal-led government.


Gaurav Bansal January 13, 2014 at 10:12 PM

My question how will the debt market react to this kind of fund inflows.


saurabh January 13, 2014 at 11:37 AM

Can you pls do a review of ECL Finance NCDs which are opening on 16th jan.



Shiv Kukreja January 13, 2014 at 12:24 PM

Hi Saurabh,
I’ll cover that today itself.


Shalini January 15, 2014 at 5:44 PM
Sagar January 15, 2014 at 6:00 PM

May I request you to post on the Income tax deductions for people having two houses with home loans, with one being used as residence and other generating rental income?
I know that rental income on second house (if any, else notional / standard rent as per the area) is part of income and the interest portion from the loan can be claimed for IT deduction in addition to the home loan interest (& principal repayment under 80C) for the home where one is residing. But I believe many people are not aware of this and end up hiding the rental income (& second home loan interest) and then paying “more” income tax.



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




babuli December 29, 2014 at 8:54 PM

what do you men by FIFO & LIFO


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.


SB November 24, 2014 at 5:58 PM

Hi Shiv,

Can you share your views on the Kotak banking sector ETF (closing 28th Nov 14) ? Considering that the banking sector stocks have peaked out, what is your view on future prospects, considering fundamentals and other factors?

Thanks in advance for your views.



Shiv Kukreja November 24, 2014 at 7:17 PM

Hi SB,
I think banking stocks have run up quite fast and are trading ahead of their fundamentals. In the short-term, a correction is expected, but in the long term, I am still quite bullish. ETFs track certain benchmarks and their performance is co-related to the benchmark’s performance. So, if the banking stocks perform, Kotak’s ETF will also perform.


Yogesh Ingole December 3, 2014 at 11:42 PM

Waiting for your views on the MonteCarlo Ipo?
First day is already over?
Please !


Deepak December 4, 2014 at 7:14 PM

Where have you guys disappeared?


Amitesh Kishore December 4, 2014 at 9:25 PM

Dear all,
Stay away from Monte Carlo IPO. Please read research on Oswal Family business and then decide.
Thank you.


Piyush Agarwal December 5, 2014 at 11:12 AM

Plz share the deatalied analysis of ‘Sukanya Samriddhi Account’
Like MAturity tax amount status , Etc


BABULI December 29, 2014 at 8:50 PM

I want to open a basic service demat account in order to minimise the charges since I am new to this..have been moving from one DP to other almost everyone discouraging ..saying you have to pay exactly same as a nonBSDA ac holder for trading account, some charging brokerage in the highest slab openly saying what the DP will get if you open BSDA..can anyone suggest or comment on this


GANESAN January 10, 2015 at 4:06 PM

I have a DEMAT account in my wife’s name. she has opened the account in her maiden name since the supporting document presented at that time had that name. But most of her MF accounts are in her new name after marriage with the surname added. Our broker has not advised her on this difference .Now the broker firm is refusing to DEMAT her MF accounts citing this anomaly. I am not interested in opening another DEMAT account with the new name since some of the holdings are still in her maiden name. Besides the trouble has come up by broker firm’s callous attitude. there are two broker firms involved, one refusing to do anything with the other MF.
Can anybody suggest a way out.


Rohit April 4, 2015 at 7:30 PM

You can change the name in your wife’s demat account. Check this link too – It will be beneficial.


Pratyush January 11, 2015 at 9:08 PM


I wish to start investing in direct plans of mutual funds. I know I’ll have to apply directly through fundhouse/AMC website and that means a lot of paperwork for a first time investor like me. To make it easier, I’ve come up with a methodology – please let me know if it will work or not.


1. Invest minimum amount (Rs 500) in my shortlisted mutual funds via ICICIdirect (I already have an active icicidirect account). This will give me folio numbers for those mutual funds.

2. I can apply for online login to fundhouses/AMCs (for the mutual funds purchased in step 1) websites using the folio numbers – this will not require any paperwork.

3. Once I have the online login for the AMC website, I can purchase direct plans.

Will this work?


Umesh January 20, 2015 at 1:07 AM

In my opinion do not invest in MF through a broker as high brokerage will add to the cost. Applying online is a better option.


Satyam January 26, 2015 at 6:07 PM


I would like to know why in Indian Currency we have only Mahatma Gandhi ?? Whereas if you compare US dollar, you see various past political leaders of US. Why can’t we have other leaders on our currencies ??

Please let me know.

Thank you ,
Satyam Chawla


Amit January 28, 2015 at 2:53 PM

Hi Shiv, Manshu

Last week PM has launched ‘Sukanya Samridhi Yojana’. This is only for girl child. For current FY, its interest rate is 9.1%. It seems to be good scheme under debt category. Can you please write an article on it. you can cover its tax implications and whether it is better than PPF etc.



santonu February 3, 2015 at 1:29 PM

While announcing the OFS for CIL,Govt said that some part of CIL share will be sold through green shoe method. What is actually green shoe method


trevor February 14, 2015 at 11:59 AM

Being in the highest tax bracket, I’ve been trying to shift my investment from Bank Fixed Deposits to Fixed Maturity Plans which are more tax efficient.
I’ve noticed that most FMP’s don’t go thro’ & are called off. Why is this so?
In the last 2 months, BSL MF,Tata MF & Reliance MF have returned my money saying that they have been unable to raise the amount required to launch the FMP schemes.
Are there other avenues for Sr Citizens like us?


Ramamurthy February 16, 2015 at 7:23 AM

Invest in Debt Long Term Gilt Funds.Currently giving about 15 to 20% Returns.Market expects a lower interest regime in future.It it happens it is good for such funds.If you can hold them for 3 Years it is tax efficient too.


Nitin February 16, 2015 at 2:10 PM

I find your website very informative. Can you please spare some time to provide your view on mutual fund investment at this state? Some specific things I would look for:

– SIP or lump sum, MF names to invest.
– Outlook for debt MFs

Thank You!


anand February 24, 2015 at 2:15 PM

I invested last year in 1Yr FMP. The fund house sent me a letter asking my option to extend it for another 2 yrs. Is this because of favourable taxation of debt funds if held for 36months?I am told, that I may not get taxation benefit, if the FMP is extended in this manner till 3 yrs, because the original investment in FMP and later its extension will be under 2 different nos.Please clarify.


Deepak February 27, 2015 at 11:37 AM

Please write about how to “Earn real money online” … so that i could get the idea of how to start having ‘passive income streams’


Hemant Ladhe February 28, 2015 at 5:27 PM

Please explain regarding Sukanya Sammriddhi Plan, what is the treatment of tax on interest income for the girl child?


Rohit Chaudhari March 4, 2015 at 3:16 PM

Kindly cover an article about the new CAS report wherein Demat + MF consolidated information will be available for all the clients. This initiative is directed by SEBI to NSDL.


Sanjeev March 5, 2015 at 4:08 PM

Please do let us know your views/commments on SBI Nifty junior NFO.


Deep March 5, 2015 at 8:26 PM

Shiv Kukreja-ji: I find information in One Mint balanced and actionable. Can you please write about investment in forex market. Thanks. Deep


Sunand Sandurkar March 7, 2015 at 8:41 PM


I am a US citizen residing permanently in India. I have an OCI card (Overseas Citizen of India). I have been living in India since the past 5 years and plan to continue.

Can you please advise on the investment avenues available for US citizens living in India with OCI? What type of investments are considered safe from the PFIC and FATCA laws of USA?


NRITK March 8, 2015 at 5:21 PM

Hi manshu,
Lot has been written and discussed for resident Indians but very less is been discussed about the Investment options for NRIs in and outside India.
There is adequate information is available for investment in India but nothing is precise for investment options for outside India.
For eg. what about the retirement corpus for the NRI who is not planning to come back to India? What are options for him to invest outside India.
I know you would like to target the majority of your followers but I understand that you are also keeping your eyes open across the world so thought might be good if you can also target small but promising fans of your blogs.

Thanks for consideration and look forward something for NRIs.

Best Regards,


SELVA UMA March 9, 2015 at 1:27 PM

I need info abt PLI..
I ve an PLI in my native place…
monthly i m paying Rs.440..
Now I need to make the premium amount to be deducted from my Salary..
Is there any provision to do so?
ALso whether online facility is available to pay PLI?????????
Expecting ur reply soon.


Bharat Aher March 10, 2015 at 6:24 PM

Kindly cover FINANCIAL PLANNING for individual who got married and have a child.
Thanks in Advance.


Mohit Agrawal March 18, 2015 at 8:13 PM


I would love to know your views on investing in 401(k) in USA if a NRI plans to remain in USA short term like 5-7 years. Is it still worth it?
Because the tax you save and employee matching comes down to around 40% benefit. But when you cash out your 401k account when you leave for India you have to pay tax on that amount in USA at around 30% and then 10% is penalty. Is is really worth the hassle to invest in 401(k) in USA? or should I be investing that money in India


Vikash Jain March 25, 2015 at 9:38 AM

There are lots of Importers who run either a Proprietorship firm or a small company. It would be great if you can shed some light on options/products they have available to safeguard against currency fluctuations and how they can hedge their risk and lock in a fixed USD-INR rate for a longer term


Darshan More April 3, 2015 at 1:40 PM

Hi, Manshu.

I would like you to post an article on new provisions in NPS in finanical budget 2015-16. Is is advisable to choose NPS over PF contribution at my age, i.e., 36. Also, is it necessary to invest in NPS quota of 1,50,000 for tax saving to be eligible for additional tax exemption of Rs. 50,000 under section 80CCD (1B) as per new budget provisions?

Expecting an article covering 360 dg view of the scheme as per new budget provisions from you or Shiv…Thanks in advance


SB April 4, 2015 at 4:09 PM

Hi Shiv,

Can you post an article on equity arbitrage fund like Kotak equity arbitrage fund.



Sanjeev April 5, 2015 at 12:53 PM

Please let us your views/comments on forthcoming NCD issue of SREI Eqpt Finance Ltd…..and also about subscribing to GMR Infra Rights issue closing on 08 April 2015.


siva April 10, 2015 at 9:48 AM

define mudra bank


AR April 26, 2015 at 9:18 AM

Hi Manshu,
Didn’t come across any article about MF Utilities Platform and Common Account Number (CAN) that has been started by AMFI.

To summarize, it’s an initiative by Indian Mutual Fund Industry to allow people to see consolidated view of their investment in ALL the Mutual Funds online and invest in DIRECT plans of any MF without separately creating online account with each one of the AMCs.

CAN is a single point of contact with MF industry. Once CAN is created, and for example. if you add a nominee or change your address – it flows down to ALL your Folios with any of the AMCs.

It’s all free as it’s run by Mutual Fund industry . You can read FAQs on mfuindia(dot)com. It’s just launched so not all MF transactions are online as of now – not sure though.


SANTONU May 7, 2015 at 9:58 PM

Please write about the viability of Pradhan Mantri Surksha Bima Yojana in the long run


Shiv Kukreja May 10, 2015 at 1:18 AM
Shiv Kukreja May 10, 2015 at 1:19 AM

Please let me know if you think there is anything missing in these two posts.


s_shrenik May 15, 2015 at 2:58 PM

Dear sir, An HUF receives a sum of Rs.425000/- in the beginning of this financial year, of 30 yrs. old litigation this year through cheque as settlement amount through court. The basic amount was been shown since 30 yrs. Rs.115000/-in HUF Balance sheet (assets side) in the name of the party. Since 30 yrs. no provision of interest was made on that litigation amount. What would be the tax implications for that as that HUF income is only interest income about 80000/- annually from other sources.. Kindly suggest ways to save income tax . Are there any investment plans to save the entire amount from taxation. kindly guide me.


Rajeshwar Bondade May 19, 2015 at 6:31 PM

Hi ,

Currently we see Mr.Modi ,having all the foreign tours.What has been the real impact of his recent tours ,like the signed pacts between the countries and what have we officially as Indian, gained.Any thoughts ?

P.S I am just an IT developer :)


Bipin Naravane June 6, 2015 at 8:16 PM

what is the IRR for Atal Pension Yojna ?


Shiv Kukreja June 7, 2015 at 12:56 PM
santonu June 10, 2015 at 7:43 AM

I heard that the accumulated amount will be paid to the nominee of the beneficiary in case the the later expires after the age of 60. Is such provision is available in other pension scheme


Kartavi June 10, 2015 at 10:35 PM

Can you please post something on ….Goldilocks Economy ?
Is Indian Economy is that ?
What has happened in past after this phase of economy ?


Satyam June 29, 2015 at 7:35 AM


Could you please let me understand the Greece crisis. How it is impacting the Indian markets.

Thank you,


Biswajit July 9, 2015 at 3:21 AM

I was going through a website called and it talks about the concept of online investment in real estate in India. The concept seems nice, but not sure about the reliability of the service and the process. Would you be able to write a review or analysis on this or any similar services?


Krunal July 14, 2015 at 6:35 AM

Hi Manshu and Shiv,

Can u guys talk on US interest rates and its data on inflation, unemployment, GDP (comparing it with India’s if possible) with some views of Fed chairwoman. And its impact on India (Indian markets and FIIs) if interest rates are hiked in coming months.



Sagar Diwan July 14, 2015 at 6:02 PM

Yes, this would be a great topic as well .. especially when there is one lobby in US with strong belief that FED will not raise rates and QE will continue. They predict the bubble will burst soon with dollar losing value in international markets leading to high inflation and surge in gold price
Source: Youtube channels of Mike Maloney, Peter Schiff , Jim Rickards and Ron Paul


Sagar Diwan July 14, 2015 at 5:47 PM

Tax free bonds in FY 2015-16 , impact on current tfb prices and does it make sense to book profits in 2013-14 bonds and get into new bonds for longer terms (20yr) ?


K Srinivasan July 15, 2015 at 12:43 AM

This is not an Answer … I have the same Q too -KS


Avantika Laxman July 15, 2015 at 9:55 AM

Request for Guest Blog

Hi Team,

I happened to stumble upon your blog while surfing and really liked the posts.

I am wondering if you’d be interested in a guest blog post about “5 Ways to Go Green and Save Money”. I have some ideas that I am sure will interest your readers. The post will be about 400-700 words.

Looking forward to hear from you.



santonu August 28, 2015 at 1:02 PM

Very surprised not to find anything about recent economic turmoil in China


Radhe Shyam August 29, 2015 at 11:03 PM

Can you please provide a detailed guide on the following:
1. How to transfer shares held in physical form? (w/o converting to demat)
2. How to fill up Form SH-4?
3. What is Franking?
4. Where to find “share transfer stamp” in Delhi for form SH-4?
5. How to transfer jointly held physical shares in the name of the first holder if the second holder is untraceable/missing?
6. How to claim dividend for physical shares for the past 20 years?


Ramakrishnan September 2, 2015 at 1:20 PM

Can a Bank lower FD rates on the already existing NRE FD that was opened between Mar’01 2014 and july’2014 citing reasons as “tp comply with RBI regulations”. Need suggestions as to how to proceed against the bank for breach of contract so that I can get compensation for the reduction of interest rate This was done by lakshmi Vilas bank for the already opened NRE FDs that was booked during 2014. The email sent by LVB is as follows
“We refer to your NRE deposit(s) opened with our branch listed over leaf, for which the branch had issued deposit receipt, wherein the rate of interest has been erroneously mentioned as # %. It has been noticed that the applicable rate of interest for the deposits as on the said date was $ % as per the following Regulatory instructions issued by RBI.
1. In exercise of the powers conferred by Section 35A of the Banking Regulation Act, 1949, and in modification of the directive issued by Reserve Bank of India vide their circular NO: DBOD.Dir.BC.70/13.03.00/2013-14 dated November 29, 2013 on Deregulation of Interest Rates on Non-Resident (External) Rupee (NRE) Deposits, the Reserve Bank of India having satisfied that it is necessary and expedient in the public interest to do so, has directed that instructions issued vide directive DBOD.Dir.BC.39/13.03.00/ 2013-14 dated August 14, 2013 will continue till February 28, 2014. With effect from March 1, 2014, the interest rate ceiling will revert to the position prior to August 14, 2013, i.e. interest rates offered by banks on NRE deposits cannot be higher than those offered by them on comparable domestic rupee deposits.
2. In terms of the said regulatory instructions, the maximum interest rate applicable on your deposit(s) shall not exceed $%. While expressing our deep regret for the inadvertent error caused in compliance with the said RBI directives, we are compelled to modify the interest from # % to $ % for the said deposits till the date of maturity.
[#-ROI erroneously printed in the TD receipt issued and $ the applicable ROI-Refer overleaf]
3. Accordingly the revised Maturity Value in respect of DCD (Cumulative deposit) is mentioned over leaf, which will be paid at the time of maturity.
4. In respect of fixed deposits with periodical interest pay out option, the already paid excess interest will be adjusted in the ensuing periodical interest pay out, the details of which have been mentioned overleaf.
In the above backdrop, we have made changes in our system to ensure the interest rates offered to you are in conformity with RBI guidelines.

While once again expressing our deep regrets for the inconvenience caused to you in the matter, we hope that you would appreciate the regulatory compulsion for the bank to effect the above modification in the rate of interest. To facilitate the bank to effect necessary corrections in the deposit receipt/s held by you, we request you to tender the said receipt/s at the branch for effecting necessary corrections. If for any reasons, the deposit receipts are not tendered for making necessary corrections, the deposit/s will be continued till the contracted date of maturity with a revised rate of interest at $ . We request you to continue your patronage and support.

In case you need further details pls contact the Branch.”


Kiran September 20, 2015 at 4:54 PM

Dear Sir,

can you please advise me if there is any MF/fund which offers fixed interest higher than our bank deposits?



JODY LEROUX October 15, 2015 at 8:06 AM

Informative comments , I loved the information – Does anyone know where I could possibly find a template 2012 AF IMT 1206 copy to use ?


Jinit Shah October 23, 2015 at 11:22 AM


Please share insights on Indigo Airlines IPO.

Jinit Shah.


Hiren November 30, 2015 at 12:49 PM


A very nice initiative for the users to send in their topics you can cover up.

Could you include something on peer-topeer lending sites such as iLends, and Fairent that are trying to disrupt the bank lending model in India


J.JAIKUMAR January 2, 2016 at 5:51 PM



Brijesh January 6, 2016 at 3:17 PM

Hello Respected,

would you accepting third party content to submit in your blogs related topic in blogs. I appreciate your response.



sameer January 9, 2016 at 6:55 PM

Please write about social security schemes of PM,ATal pension scheme


shekhar naidu January 17, 2016 at 7:41 PM

wish to suggest a topic.
what is the relation ship of the value of bond funds with other indicators, like sensex, inflation rate, interest rate, etc


Arwind Sharma January 18, 2016 at 5:45 PM

This is Arwind Sharma, I completely Read your guest post criteria. I have one
Personal finance regarding topic which title is ”
Everything You Need To Know Before Taking A Personal Loan”. If you like this topic please tell me about article format and how can i send you my article content.

I am giving you shorty that my article content is unique and non duplicate
content. I am waiting for the your response.

Thanks and Regards


Deepak January 20, 2016 at 6:20 AM

Please cover topic on source of second income – through Internet… Give various ideas… Thanks.


Aditya January 29, 2016 at 3:24 AM

Hi Manshu,
Could you please message me your contact as there is a video series we r doing with a reputed financial firm and we would love to have you onboard as the host for the same.


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