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!
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Hi Manshu,
Can you post an article on “Investing in Blue Chips to create wealth” ? Most people understand blue chips are good but when it comes to practically investing, they tend to get diverted by so-called returns from mid-small caps and penny stocks, which ruin their portfolio.
Instead if they hold blue chips for 1.5- 2 years, they would see a significant boost to their returns in capital appreciations and holding for a few more years would give significant dividend income too.
I don’t quite agree with that in the sense that you write about it to recommend people to invest in blue chips or any other stocks directly. I see what you are trying to say that invest in better known companies instead of penny stocks, but I’ll go over and above that and say that just invest in good diversified mutual funds and don’t expose yourself to stock risk at all. That will be better for most people.
What one should do when a Blue Chip also falls by 20% ?
But More
sorry, I meant Buy More!
This is regarding your post on CAG,s Report on Coal India loss of Rs 1.86Lakh Crores.
The whole issue is very confusing to me. I shall be grateful if you can kindly clarify the following points.
1.What is this Coal allocation.I read that the allocation is made on the basis of requests from the respective state Govts.Is this allocation made one time basis or not?Is this a running contract?
What is the price at which Coal India sells to the respective companies? Obviously is not at market price.Who determines the price?
2.Why all this abstract presumptionous loss which CAG talking about?Instead why cant he calculate the actual loss for a given period for a given Company?
Sir, I have answered your question on the post itself, you can see it at this link:
http://www.onemint.com/2012/08/20/how-did-cag-reach-the-figure-of-1-86-lakh-crores/comment-page-1/#comment-250908
That way others who are interested in this topic can also see it there itself.
ICICI DIRECT
ICICI DIRECT Is the website by icici bank which has been a pioneer in paperless investment destination for we investors in India. Today we can invest in SHARES/MUTUAL FUNDS/BANK DEPOSITS/DEBENTURES/ COMPANY FDS/ CURRENCY/OVERSEAS Equity
ETC ETC many investors are unaware of this seamless facility offered . onemint can be a very good forum to discuss/ share our views on this ONESTOP FINANCIAL SUPERMARKET
ICICI Direct is one of many companies that provides these services and regular readers are aware of many of these services. I’m not sure I see value in this kind of post.
I quite agree with Manshu that ICICI Direct is one of many companies that provides these services.
But drshetti has not mentioned anything about their charges/brokerage. For equity I don’t think they will be charging anything less than 0.4 – 0.5%, which is very high in this era of 0.1-0.15% brokerage.
Hi Manshu,
I have a situtation here where my wife will be a senior citizen next month. Some banks tell me that the FD’s she has with them earlier will automatically attract the senior citizen rate of interest once she turns 60. ie next month. Another bank says that is not possible. The earlier fd’s have to be retired and fresh ones made to get the benefit of senior citizen rates. Is there not a standard rule on this?
I find bank employees are not well informed on their own rules and this results in misguidance.
Appreciate your comments/clarification.
Thanks in advance
Anthony
Hi Anthony… I did a brief search about it and could only find PNB to offer one such scheme to its depositors – “PROSPECTIVE SENIOR CITIZEN TERM DEPOSIT SCHEME”. Please check this link:
https://www.pnbindia.in/en/ui/Content.aspx?Id=444
I think such a scheme is not offered by all the banks.
Hi sir,
your article on sensex & nifty calculations was wonderful for the fact that it was very easily understandable! i’m doing my PG in commerce & i hope u’ll be glad to know that your article has helped me the most for my seminar preparations; firstly, thank u!
your article in fact has ignited in me the thirst to know more about the stock market.
sir, will you pls explain how the weights in index are calculated?
I’m glad to hear that Ashwini – weights in the index are actually explained in the Sensex calculation article. They are calculated based on the free float methodology. I think if you revisit the article you might be able to follow the calculation.
Hi ,
I wish to invest in mutual funds. I am an amateur and am completely lost in the numerous schemes offered by all companies. I wish to know the co relation between interest rates and stocks, debentures and money market instruments. Kindly guide on the same.
Thanking you ,
Ankita
Hi Manshu,
Can you comment on the Future trend on Home Loan Rates in India.
Is this a good time to go for a fixed tenure ( 10ys) with ROI 11%?
HDFC has recently launched such a scheme.
http://www.hdfc.com/loans/hm-loan-features.asp#truefix
Though taking a loan from a PSU should be preferred but generally because of tireless formalities this task gets very daunting. So, if one chooses a pvt bank , is it better to go for a fixed ROI at this point?
If you can share your opinion it would be truly helpful.
Thanks,
Saurabh
I am told Titile verification by PSU banks,especially SBI is very rigorous,while Pvt sector Banks, it is not that severe. The borrower will have to look for various other lega links and secure himself,while borrwoing from Pvt sector banks. Anyhow, this is the messgae I get from my friends and not mine.
Hi,
Your explanation on the market pre-opening sessions was very useful
Can you write about
- how to pick a brokerage firm (online) – who has the best rates, tips, etc
- different sectors and how to evaluate stocks within a sector – it could be a series perhaps?
I’m new here, so if you’ve covered it already pls post the link
Thanks!
Keep writing !
Hi Manshu,
Can u explain abt providend schemes in india…and employees contri on PF….and y only some companies cut PF while other dont wen it is compulsory…a short explanation is alrite..or if u can share some links..
Thank u..
Dear Sir,
I invested in the following IPO of tax free bonds /bonds but i am yet to see any annual interest in my bank account . I would be grareful if you can tell me when is the annual interest due:
HUDCO BONDS: IPO came in January 2012
REC LONG TERM INFRA BONDS : IPO came in January 2012
PFC TAX – FREE BONDS : IPO came in December 2011
NHAI TAX-FREE BONDS : IPO came in December 2011
Hi Subinoy… Please check the table pasted under the post “Tax-Free Bonds – Mid Year Update”, it has the details required by you.
http://www.onemint.com/2012/07/19/tax-free-bonds-mid-year-update/
hi Manshu,
can you do a write up or invite someone to do a write up on “How to Review your Mutual Fund Portfolio” , the standard statement that i read and listen to is invest in MFs and review your portfolio in every 6 months. I am not sure how do i go about reviewing it, for example its now two years that invested in SIPs in certain funds.. some of the funds were giving a return of 30% few months back but i didnt do anything about infact i am not sure what to do , do i just shave off the profit only ? then do what with that profit , put it a debt fund ? or put that profit in my worst performing Fund ? or do i completely sell off that fund, then what do i do with a lump sum ? i dont want to invest the whole sum in another MF ? as i may be getting a bad deal at that time ? do i Use SWP ? when do i use SWP ? when do i kick out a fund ? they say when its performing below its index average ….. ok in what time ? 3 or 6 months ? also dont i lose in getting the fund taxed if i pull the plug before 1 yr ?
So i am looking for you assistance to basically reveal some “MF juggling strategies” to make money in the long run. Coz today after 2 years i see My whole MF portfolio giving me 5% return, some of the funds in it are 30% profit , while some which were 20% profit 6 months back are at -5% loss today… i am really banking on these MF to help me retire.. i dont want to be disappointed when i am 60 coz when you look in retrospect investing a lumpsum 10 yrs back in a fund is a better deal than a SIP in the same fund… ( we discussed this a while back ) so i am not sure about the strategy…. with my broker taking 1.6% ( icici direct ) my returns are infact 3.5% today…
Regards
Sorabh
can you do a post on this ?
Hi Sorabh,
I think you have put too many questions so Ill answer a few which I can.
For details of mutual fund performance the best place to go is http://www.valueresearchonline.com
You’ll be surprised to find that most funds (except Gold ETFs, FMCG Funds, phrama and few others) gave good returns. Equity diversified funds disappointed, but this is due to the overall market trend.
You mentioned that you have made some profits or want to book profits and not sure hot to reinvest the same. I would suggest a few options (pick what you like).
- Invest in Gold ETF gradually (so you can diversify from typical equity or debt funds)
- In case you have any loans (exclude home loans) such as credit cards, personal loans, car loans, use your funds/surplus to pay off the same
- The most boring option is to consider ETFs instead of mutual funds – these actually provide index linked returns and they are highly transparent and cost effective. Instead of investing and tracking multiple funds you just invest in Nifty ETF and have a Nifty 50 portfolio…..it saves time, energy and costs.
- MF juggling may not provide you great returns, but you can diversify across top performing funds which are consistent.
These are my personal views which I hope is helpful……you can consider my suggestions and take a final call.
Hi,
Could you pls. explain the advantages/disadvantages of FDs(presently int. rates of over 9% tax free) over FMP/Debt funds for NRI’s
Thanks in advance
Allwyn
New post on this here:
http://www.onemint.com/2012/10/07/are-nre-fds-better-than-fmps-for-nris/
Please leave a comment.
Hi Manshu
I like OneMint a lot. The articles here are genuine and articulate.
I would suggest running a billboard or a discussion forum independent of any article where ppl can just post questions and discuss. Say a news/announcement happens, for e.g. today (06 Sept, 2012) SBI says its going ahead with a 50bp rate cut. Now unless someone writes an article about this, we really can’t discuss this. If we have a discussion forum, where day-2-day financial news and its impact can be discussed, it would be a wonderful experience.
Thx
Gaurav
i support dis sugestion…..
Hi Gaurav,
Thanks very much for your suggestion, and I have actually tried to do this twice in the past but had to bring down the forums at both times. The reason for that is spam. Now this is not the type of viagra spam that can be weeded out easily, but insurance agents and other such people creating posts about how great a policy is or deposit is or maybe even an infrastructure bond and how everyone should contact them to buy it.
Weeding out this type of nonsense takes considerable time and it is very frustrating also. I don’t have that kind of bandwidth right now and am finding it hard even to write the 6 articles a week I used to do. There is real value in a forum when done properly but to do it properly you have to spend a lot of time, which I can’t do right now. Let’s hope the situation changes in the future but right now even though I see value in this I can’t start another thing which will demand my time.
thanks again for your kind words and suggestion.
Bang on the money Manshu.
It surely can be done but will require scrutinization of each and every post.
Disruptive technologies don’t just have their name for nothing :~)
You can give moderation power to few readers to whom you trust.
Tax free bonds like NHAI and PFC will declare dividend on 1st of october. I am in 20% tax bracket so i want to buy these bonds and at the same time want to take benefit of dividend but i dont know the record date. How can i know same? Pl. provide your reply as 1 st october is near now.
Hi VIRAL… NHAI and PFC “interest payment dates” are October 1st and October 15th respectively. NHAI bonds’ “record date” has been fixed as September 15th and ideally PFC’s “record date” should be October 1st. NHAI bonds should trade “ex-interest” either on September 13th or September 14th.
Hi.The highly regulated money markets and capital markets is facing a decent competition from the so called private chit fund companies who are guranteeing to double the money in 5 years and some in 3 years not only that the distributor payout goes as high as 30% and based on this promise they are collecting huge money especially from the tier 2 and tier 3 cities.This is simply unrealistic and irrational yet some of these companies are there for some 20 odd years.This topic has never been covered before.
Hi
Was going through your website for the very first time and found that the quality of content is one notch higher than the rest of the world. My heartiest congratulations for that.
Some of the topics that comes to my mind that can help some of the informed investors include:
1. Best /worst 50 stock performances in last 5-10 years and why.
2. Highest/lowest yielding instruments (customised) available in market. Example: International arbitrage of commodities .
3.How real is Real estate : Topic can include the source of liquidity in real estate market and is it an investment product or consumption or both?
sir,
people say 1% CRR will give 64000 crore rupees.so total deposits with banks in india is 64 lakh crore (ie) 64 trillion rupees.
But recently i came across an article with RBI circular that at the end of JUN 2012
sir,
people say 1% CRR will give 64000 crore rupees.so total deposits with banks in india is 64 lakh crore (ie) 64 trillion rupees.
But recently i came across an article with RBI circular that at the end of JUN 2012 total currencies in circulation is 10.5 trillion rupees roughly.
i just want to know actually how much currencies printed so far and can we get the figure like
so far this much rupees printed/head in this country.i know its a bit difficult.But if u do it people like us will learn many things thru your post
Sir
Can you please explain the relationship of CRR with money in circulation.Cash Reserve is directly related to total deposits with banks.Those Deposits need not be in cash only.Therefore I am not getting at what exactly you want?
Religare Finvest Ltd NCD review!
Analyse the market price of NCDs across schemes, cum vs interest payment type of various periodicities viz. Q , HY, Annual – for different terms 3, 5 years and interest rates payable.
I think long term cumulative options are not priced attractively while short term interest options commands better price. Is there any thoughts on this?
I regularly follow your posts which are informative and interesting too.
Sir,
You have been educating a large section of society by giving your ideas on a variety of topics. It is surprising to find that most of the investors are not bothered to reflect their incomes/losses in shares mutual funds in their income tax returns. There are good number of doctors/lawyers and other professionals who invest considerable amounts and time on these investments are complacent about showing these incomes/losses in their income tax returns. There are people who indulge in day trading in a big way do neither take nor give delivery and square up are triggering a bigger risk. Income tax department collects all the information and storing them for time to pounce upon these investors and punish them with penalties. The tax net, as Khalil Zibran says catches only small fish. Hope you will sound warning bells and investors shall understand ” for whom the bell tolls”
EXPLAIN FOREIGN DIRECT INVESTMENTS
Can an exclusive article be written on PPF?. Actually, there is lot of confusion on this, despite the popularity of the product . The question is ,whether one individual can open two accounts -one in his name and the other on the name of minor child- and contribute Rs.100000/- to each of the accounts? everybody talks about availability of tax exemption upto Rs.100000/-, but nobody explicitly conforms that contribution can be made to multiple accounts exceeding Rs100000 and claim tax exemption upto Rs1.0 lakhs only.
To add to the recent discussion around FDs, what are your thoughts ‘Phadnis Infrastructure Fixed Deposit Schemes’? They have been issuing these for a long time now, with a interest rate upto 12.5%.
http://www.phadnisgroup.com/fd.html
Hi Mangal,
New MF Debt schemes come up all the time, and the latest by JPMorgan MF five year Fixed Maturity Plan – Series 502 is the new kid on the block. When we who are new to investing in debt would like to analyze such a scheme from different angles such as: long term appreciation, asset safety, capital preservation, tax-implications, how does one go about doing this. I have perused for more information online, but cannot seem to come up with any more information or analysis that would help me make my decision. Please help. Thanks, Tippy
Can you please do a write up about QE(Quantity Easing).How does it work?As I understand ,US Federal Bank is supposed to buy US Bonds from US Govt which offer almost ZERO% interest.I suppose this is done by printing notes.OK. How does this money get pumped in to economy?Will US Govt. supply the money to various Banks who again lend them to companies or individuals?Will it not result in runaway inflation?So far it has not happened.So why all this laments, agony and severe protests from expert economists like Krugmen against the QE?
can u please write about the tax treatment if we have not paid capital gain tax on property sold in 2008,2009,2010 & 2011
Sorry, I’m not familiar with that.
This has reference to Manshu,s comments /post titled”BIG RISK IN DIRECTLY INVESTING IN EQUITY STOCKS”.I totally agree.But the alternative is to leave the selection of the stocks to invest to Mutual Fund managers and therefore, to invest in a Mutual Fund.They are supposed to be experts and you are not.I was also of the same opinion and used to invest in MF.I gave them a long rope of about 5 Years and invested only in 5 star(Value Research) rated Funds. My experience was to say the least was not satisfactory.I withdrew the money from MF and started direct investment since about 2 years. So far the results are good.Hope they will stay good also.My exposure to direct investment in Equity is about 15% of my total investment.As I have told you I am NOT an expert.
Hello Mr.Ramamurthy
We have been time and again hearing from media and experts all along that investors must take the mutual fund route. Yes, that advise has to be taken with a pinch of salt in today’s times. For people who dont have time to study, analyze or understand companies or stocks, the mutla fund route is the only option. However, if one is able to invest some time, energy and takes the initiative like you have done I’m sure anyone can pick stocks and maintain a portfolio.
Sir, I would also advise you to consider Gold ETFs, which will further help you diversify beyond stocks, and it can be easily bought or sold just like stocks. This way you will be diversified beyond equities, and also be able to hedge against inflation.
Hello Sekhar
Thank you.Gold ETF is already among one good investment I have made.
Dear Sir,
Please offer your views on Port Folio Management Service offered under Power of Attorney. How does it compare with personally managing your Folio across Asset Classes.
Regards
Parameswar
I’m afraid I don’t have any experience in that so I won’t be able to write about it.
Can you please do a post on analysis of financial statements? or,if it is too big can you suggest the best web site where this info is found?Thanks
Ramamurthy
Manshu – First of all, I want to mention that most of your / guest posts are very relevant and ring with everyday personal finance questions. The ULIP post was a great one.
Anyway, I have been wondering if there is any site that allows you to review NPS pund manager’s performance so we can decide if there is a need to switch and if so, to which other fund?
Thanks Aashish!
That information used to be in the PFRDA website itself and I remember looking it up a few months ago also. However, when I search for it now, I can’t find it. I’m pretty sure that information is present somewhere, but I need to search for it and then write about it. Sorry, don’t have a ready answer for you.
Hi, would be good if you can provide an analysis on investing in monthly gold schemes from jewellers. The typical scheme allows investors to allocate same amount every month for 3 years or 4 years. They allocate a gold bonus at the end of the period equivalent to cost of gold for 8 months or 16 month investments respectively (3 or 4 years). Does this make an attractive investment considering scenarios where gold appreciates, depreciates and remains constant, what are the different perspectuves to look at, what alternatives should one compare against
I’m not sure if I’ll be able to write about this because I don’t have enough knowledge on this topic. In fact I came to know of its existence by some comments here. Let me see what I can do.
will sensex touch 25000 mark?if yes when and why?
Sensex will surely touch 25000. 25000 is just a rupee denominated number. As rupee depreciates and inflation remains stagnant, eventually sensex will reach 25000. If the question is when, I would guess the day will come in next 5 years. I know many people would want it early.
But I will prefer pessimistic number 
For your NRI readers it would be interesting to know that now NRO deposits could be transferred to NRE. Experts may provide details on this topic.
Does it mean you can deposit INR in NRO deposits and then later transfer them to NRE accounts? There must be limits and pre-requisites. CA certificates. and also taxes involved. May be you can now sell a property purchased through Indian funds while you were a resident Indian, pay taxes and deposit the amount in NRO account and later park them in NRE accounts at your convenience say when $/Re rate is attractive, and then repatriate easily abroad? What happens to the limit of one Million Dollor? Yes a detailed update on the subject keeping in mind some practical difficulties in repatriating funds abroad being faced by recent NRIs will be very much appreciated.
Hi Manshu,
Wanted to know if there is any way to find out the share price of an unlisted company using its financial reports. If there is indeed any such way, would request your expertise to know about the same.
Thanks…
Hi Manshu,
Offlate I have been listening many “Debt Recast” by banks to some of the institutions like Kingfisher, may be Suzlon. Could you please post a detailed article on this debt recast ? Will this affect banks ?
Thanks much,
Karthik
This is a great post suggestion! Thanks a lot – I’ll do a post on it either this week or the next.
Hello Manshu,
How about a post on Fidelity India selling itself to L & T Mutual Fund and what Fidelity investors should do now?
Cheers,
FL
Good idea – I’ll try!
This is about payout of interest earned on balance in Indian Savings account.
India has a complicated banking system where interest is calculated on DAILY BASIS, with interest rate PER ANNUM and paid out HALF YEARLY in savings accounts. This creates confusion and makes it difficult for account holders to calculate and verify whether interest paid out is correct or not.
Here in UAE banking system, interest is calculated on DAILY BASIS, with interest rate PER ANNUM, but paid out MONTHLY. This is lot more easier for account holders to track and also there is a sort of small income also credited every month which gives a pleasant feeling. This has a greater impact on NRI savings account where money remitted every month is considerably very high but due to lack of this transparency, NRIs prefer other tools of investment instead of keeping in savings account.
I feel Reserve bank of India should also look in to this and adopt such a system. This will not only give lot of transparency but also encourage people to develop the good habit of saving surplus money in bank.
I dont know anything about indian economy.till now i’ve known nothing.i realized now and i want to know about statistics of indian economy.please can anyone help me for these questions.why always dollar demands over rupee?
Insurance – Term Plans
Do the term plans purchased via internet (without medical checkup) have hidden terms and conditions which is not the case with term plans purchased thru agents (with medical checkup)??
I looked up my term plan policy document (purchased without medical checkup) but it is not very specific about what kind of death occurences are covered.
Can you throw some light on the issue??
Manshu,
can u pl again fresh-post on ‘which is the best GOLD ETF in India’.
Regards,
Kartavi.
Hi,
Could you please write on ‘how do the shares price change from time to time in the stock markets’. It will be great if you know let me know your analysis on few of them…eg: Al Exide Ind is fundamentally better than Amara Raja Batteries why Exide Ind has not performed so well on the bourses , compared to Amara Raja Batteries.?
Thanks,
Anil Kumar
There are many factors that go in deciding if price goes up or down, I don’t know about the specifics of these two stocks, but in general in such a situation you should keep in mind that you think it is fundamentally better but is that is your opinion and obviously someone else or rather a lot of other people don’t agree with your assessment that it is fundamentally better.
Manshu,
Can you write an article on how to get best deals for the mobiles. There are so many online website, which coupon to use ?
I’m sorry but I don’t know enough about this and won’t be able to write about it.
Hi – Can you let me know the most optimal Index Fund for Indian markets, considering:
1) Low Operating Cost – read low Fund management fees, because there’s so little to manage in an Index Fund
2) Low Tracking Error
3) Most efficient way to invest – are there alternatives to buying ETFs – say a NIFTY or BSE Sensex Product
Thanks!
Here is a post about index ETFs with their expense ratios and asset under management, they also have ETFs and MFs so you can make a decision based on what suits you.
http://www.onemint.com/2011/10/11/comprehensive-list-of-nifty-index-funds-and-etfs/
http://www.onemint.com/2011/10/18/sensex-etf-and-index-funds-list/
Hi Manshu
Can you write a post on Bullionindia (www.bullionindiain), by Finkurve Bullion Private Limited and is jointly promoted by NCDEX Spot Exchange Limited (NSPOT), RiddiSiddhi Bullions Limited (RSBL), and Finkurve Financial Services Limited (FFSL)
It is an online platform that allows investors to own small quantities of physical gold and silver at wholesale prices.
As an FP do you recommend investing here for bullion rather with jewellers, NSEL, banks, MMTC, Gold ETF etc
Thanks
please write an article on “what are the documents required for land purchase”,
if you have written already, please give the link i am a new user.
thanking you,
best regards,
jagadish babu macherla
What are the alternatives available for -
Parking funds arising out of Capital Gains (both LT and ST)
how either of the options is beneficial over the other, monetarily
will parking funds in capital gains account with SBI nesseciate in utilising those funds only for purchase of property.
Dear Manshu,
Several NRI’s such as myself inherit significant assets in India and abroad and look to professionalize the assets into an investment firm or have other business ideas we seek to execute by opening a company in India. Specifically, could you post a topic regarding advice on hiring company incorporation consultants to start a company in India? It is not that easy to identify credible company incorporation consultants online.
This would really be useful to me (and I hope to others as well) as I am am looking to initiate the process of establishing a firm as soon as I receive my PAN card (by the end of November).
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