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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impact of FII on BSE SENSEX
Hi,
I am regular reader of your posting.
I am looking for piece of information : –
Help to know, If I take tax saving fixed deposite in the name of my wife, will I get tax exemption on the amount.
Regards
Niraj Kumar
New Delhi
No. You will not get if you are assessed as individual
Hello
This is Rajesh Mishra from Delhi. Would anyone let me understand all about share market from orientation to till now and how company get listed on stock exchange all thing suppose you are going to tell a fresher..
I keen to know that …
You are asking a degree course on your computer. It is a vast subject, either you will learn it as student and study or by experience of long term of many years.
Financial Planning for Newly Married Couples.
Have seen articles on this topic, but nothing that quite helps me in a guided fashion.
First save money wherever possible. To start with put your money in FDs of Nationalized bank. About 20% in a good mutual fund(Make reasearch). 10% purchase 24K gold (not jewels) and keep it in a bank locker. Look out for some one time premium of LIC policies.
AND learn by saving.
1) Why arent index funds doing good in india. And why is it they are not given much attention by the investment sites and even fund houses.The expense ratio is around 1 [ greater than 1 sometimes ] and tracking error is also large.I feel the investment help sites have a bias towards actively managed funds
2)Equity diversification beyond indian market – No good fund yet.
Santhosh – I am pretty sure you are comparing this vis-a-vis the developed markets – especially – the US where Index funds have low expenses and minimal tracking error and where they are a rage.
Indian economy can be compared to that of the state of the US economy in the late 1950s where rapid infrastructure developments lead to massive economic growth. We have decades of economic (and stock market) growth in the making. Chances are actively managed funds will outperform the index for the next 1-2 decades. When we become a matured economy then the alpha on the actively managed funds will fall considerably and we will all be debating on the best index funds really!
It is true Equity diversification beyond Indian market is not available. There are few index ETFs like DJIA, Hangseng etc traded in NSE but just that. Some funds like HSBC Brazil exist but again this in turn does not do any specific stock picking – they buy international funds in their portfolio thereby increasing costs for the investor!
dear sir
I am TECHIE & i am preparing myself to start INVESTING in stocks. google revealed your post & i really admire your work.It will be more helpful if there is a post describing investing for novices like me.
Regards,
KK
Krishna – Even a novice can understand a book like “One up on the Wall Sreet” by Peter Lynch. Grab a copy – it makes light reading for a week -and you should be done. Do you want to come back and then discuss more?
thanks for d great advice, right now i m into his other book “learn to earn”
I will definetly come back with basics strong
Please jump into stock market. Your money in the stocks must be contained to 20% of your investment. That’s it and that’s it only.
Please dont jump into stock market. Your money in the stocks must be contained to 20% of your investment. That’s it and that’s it only.
Dear Sir,
Your are really doing a Fine job, explaining stocks & shares to novices like me. It will be much helpful if you can give a beginners introduction to investing in STOCKS.
Gold backed currency a boon for the world compared to FIAT currency ( A boon to US)
Gold backed money is HISTORY. This will not happen. Death awaits for those leader who dare to implement it. Please search google for Gaddaffi’s plan on this and his death.
Can you write about the coming MCX stock exchange IPO on Feb 22?
Can you please write about the upcoming IPO of MCX on Feb 22.
Islamic Investment options (Shariah compliant) available in India.
A detailed analysis on the non life insurance sector would be helpful. If possible you can make it into 2 detailed topics one the infamous health insurance and the other insurance other non-life insurance like properties, etc.
Things that impact the cost analysis decision on these could be pretty handy to prepare and decide.
Regards.
MCX IPO…Could you please evaluate it?
There are lot of persons nowadays who are thinking about early retirement or are burnt out by 50/55 yrs but are not clear on how much money is required for the retirement years.So wud like to have comments on this newage requirement.
Recently I changed the bank Mandate with my DP from ICICI Bank to IDBI Bank.
ICICI Bank Uses 12 Digit account number IDBI Bank uses 16 digit account Number.
RBI uses 15 digit number for NECS credit of of dividends, Interest on bonds etc.
since last three months all the ECS remittance has been rejected.The DP says contact Bank,
Bank tells contact DP/Registrar and so on .RBI should have made it mandatory for every bank to use 15 digit account number to suit ECS credit.I used to get ecs credits to ICICI Bank promptly
Kindly help me in getting credit. How to find out which company has declared dividend
Hi,
Could you do a post on ‘Stop Loss orders’ with few examples? Why there are not ‘Book profit orders’ then? Aren’t those useful to?
Thanks,
Hi,
Can you talk about how to choose health insurance
1) for husband + wife + kids
2) for parents and in-laws? (60) ?
Most of the topics discussed here are very useful and overflow with hard research’ and still very lucid to read. I would like to request you to add another topic related to following subject.
Transferring money from abroad to India is easy but sending money abroad is little complicated. Coould you write a topic, keeping in mind various avenues available, their nusances, efficiency and comparative cost. Also what is the exact cost of transfer of a US Dollers to INR and again transfer back to US Dollors in an NRE Account. keeping the Dollor
rupee exchange rate constant. Apart from the commission and service charge, do the banks also dupe us by using higher/lower exchange rates than actual exchange rates.
I know that Interest from NSC/ Bank FDs/Savings accounts are taxable. I’ve a doubt here. If I invest the interest income from the above mentioned accounts in Share market/tax saving instruments, then also will it (i.e. Interest income) be taxable ??
Thanking you in advance.
I have been reading your posts in depth and as a professional the biggest problem I face is asking the right questions to my financial planer. I take my portfolio to him he asks some questions and makes some suggestions. A year down the lane…. same story. It would be of great help if you could tell what to ask a planer and how to asses his advice.
I think this should help lot of us.
Thanks
Manshu,
Can you provide some highlights about the upcoming budget which are expected and how they would affect an individual ?
Thanks,
Ams
As am poor in the economics part, wanted to know few things about currency valuations…..many of my relatives are working in middle east (OMAN, UAE) because of the higher currency valuations….every where theres a buzz that india is shining and we recently overtaken Japan in terms of economic power..but if its so why is our currency lower compared to the middle east…
I would be really privileged , if you could please explain this to me or else if at all if you had published any article on the same …can I get the link for the same pls?
Thanks in advance….
Hi ,
Your blog has a wonderful way which is good to go for layman and experts on subjects and shares views in one of most unbiased way i have seen so far.Gr8 job keep going.
Wanted to know what
a) Should one go for SIP in Gold MF or lum sum
b) What makes Gold ETF’s /MF better investments than buying real gold coin in hands
Buying Health Insurance
Pl. let me know the following aspects of CGA (capitals gain a/c):
I have sold a self owned only house recently. I plan using the capital gains to buy a flat for my use. The flat is being built by a reputed builder and will be ready in 3 years time. I am given to understand that I have to open a CGA, capital gain a/c with a public sector bank.
1. Are there any problems in its operation for paying a flat builder at regular interval.
2. I am given to understand that interest accrued every year is taxed and has to be paid from other resources of the holder of the CGA. If so this seems to be a draconian measure as the holder may not have adequate other income.
3. It is understandable that the capitals gain is paid on the surplus left over (capital gain-cost of property acquired ), however the interest accrued has already been taxed, does one have to pay capital gain tax on this as well? If so I shall understand why one should be dishonest.
Shall be grateful for clarification.
A very good piece of information is available in Mint dtd. 2.3.12 on page no. 16 on Capital Gain Tax. The link is
http://epaper.livemint.com/Default.aspx?selpg=3829&selDt=03/02/2012&BMode=100
and go to page 16 .
Thanks
One topic of interest could be the difference between BSE and NSE. It appears that we can buy shares from one and sell in the other so consequently arbitrage can happen. But how do companies and the exchanges manage the fact that shares outstanding in one exchange might be traded in another? I presume NSE and BSE must have an inter-exchange settlement facility? Is this unique to only these two exchanges or do we have examples of this elsewhere?
I think it is fairly clear how, why and when FMPs are better than Bank Fixed Deposits. Can we please have an article on how to go about choosing the right fund house or scheme?
I don’t think there is much science when it comes to choosing FMPs, I’ll try to research this topic and see if there is something I can come up with.
Hi,
There is no article written on creating HUF to save tax. May be you could cover, what is HUF (A simple reference http://www.charteredclub.com/how-to-save-taxes-by-forming-huf/) and very importantly, how to create a HUF which is not clearly explained in many blogs and articles.
May be this is the right time as people will be looking for some alternate ways to save few bugs on tax.
I am planing to start the process soon, and will update you with details I have.
Cheers
Velu
I’m not familiar with this process Velu so I’m not sure how to go about writing an article on this. I think till I do this myself or find someone who has done this I will have to wait to write this post. If you’re undergoing this process and want to give some inputs then you’re welcome. Thanks!
Hi,
I am a regular reader of all the posts on One Mint and thanks to all concern for such a nice knowledgeable information.
I am on the verge of switching my job from an Indian Company to a Foreign Company based in India (its a work from home job). I will get my salary paid in USD. I was told by my friends that I can open NRE account in bank to get the salary in USD and can avoid income tax (Indian) since I will get my salary in USD. Also only on the interest pat I need to pay the income tax. Please suggest whether this idea of NRE account is true or is there any catch?
Thanking you.
Deepak Jain
You are based out of the US?
My topic is AEGON Religare Term Insurance plan which offer 1 cr insurance on premium of Rs.6400 pa. If somebody is aware about pros and cons of the same or of term insurance. Any comparision of term insurance productrs available in the market. Pls suggest.
hai everybody,
this is gopi
this is vast of your time but Your blog has a wonderful way which is good to go for experts onyour subjects .
Start topic about forex it will satisfy my hunger about currency. Currency has became an tool for
investing and hedging against inflation. Currency details required so please start it as soon as possible.
Thanks and regards
vijaya singh
Your Views on IDFC SPICE Fund
Hi
I have a basic or silly doubt. Please bear with me.
I have been holding L & T shares for the last 7 years and I bought these shares for various reasons. One of the reason is I would get shares from subsidiary companies of L & T if it get listed in stock exchanges. But when L & T Finance Holdings came for IPO , I didn’t apply for the IPO and being L & T shareholder I thought that I would few shares of L & T Finance but it was not so. Suppose, if L & T Infotech gets listed in future, whether I would get any shares of L & T Infotech for being the shareholder of parent company L & T .
Kindly explain me in detail why I didn’t get shares of L & T Finance Holdings ? Is it because of IPO of L & T Finance Holdings ? If anyboy say or believe with valid reasons that I should have got L & T Finance Holdings shares automatically being shareholder of L & T , then can I approach L & T Finance Holdings now ? If it had not come for IPO, whether I would have got shares of L & T Finance Holdings ? In future, whether I would get shares of L & T Infotech ?
Thanks in Advance.
Regards
Can u please clarify the concepts of YTM and relation between YTM (with calculationa) and Bond Prices with examples. Also the relationship between YTM ,interest rates and Bond prices. Some examples would be very useful
I have a fairly detailed post on YTM calculations here and perhaps that will be a good start:
http://www.onemint.com/2010/10/19/lt-finance-bond-yield-calculation/
I’ll see if I can add to it and write another post.
Can u please explain the method of calculating “Earning per Share” (EPS) taking into account the Growth & PE.
Can we project “Forward earning” by (Present Sensex / Present Price Earnings)* “Expected Times Growth”
Does Sensex “Dividend Yield” and “Price to Book Value” play any role in projecting forward “Earning” figure?
I’m not sure I understand this properly. It appears that you know what EPS is and how it’s calculated but are interested in some sort of a Sensex estimation / prediction methodology that’s based on PE?
I don’t know if I’m interpreting it correctly, can you share a link if there is one that prompted this question.
Can i take a term insurance policy for a non-working spouse? DO you think we will need one?
I have recently (within last 6 months) started reading your blog regularly and I really appreciate the efforts you take to educate your readers and the discussions that take place through comments.
I am interested in knowing more about target date funds and your analysis/opinion on investing into such funds from a long term perspective. What are the pros and cons of investing in these MFs and can you recommend any good picks for retirement target of 20 years from now?
Thanks!
Hi Manshu!
I have been following your post from past 2-3 months and I liked it very much. I am interested in stock market, therefore, gathering knowledge on it. I want to know more about crude oil and its impact on market and economy of a country. Every time I tune into CNBC or while going through some business newspaper I came across this “CRUDE OIL or BRENT CRUDE” but I could not figure out its impact.
I would be grateful to if you could help me out.
Sure, good topic for a future post. Especially with the budget coming out and focusing on how much the subsidies have hurt India.
HDFC Swing STP vs HDFC STP
would be thankfull if you could write a post on what is futures & options
thanks & regards
JMMohandas
Sure, a good topic for a future post.
Thank you very much,
Can you please write about FOREX trading( Not Currency futures, but spot trading through international brokers like http://WWW.FOREX4u.com ). especially for Indians covering mainly the pros and cons and legal aspects.
I’m not knowledgeable about that to write on it. Sorry.
Manshu:
I am looking at possibilities to contribute to OneMint. I am an accomplished CA with extensive experience in reputable organizations. I can share more about me if required by you.
Thanks for your interest, but this is my personal blog and right now I’m not looking for contributions, perhaps you’ll be more suited contributing to a newspaper. Thanks!
please suggest me which Gold Fund is best one . I want to invest 2000 pm for 5 year thru SIP
thx.
ND
There is no such thing as best gold fund but you can read this post to understand the options and their relative benefits a little better.
http://www.onemint.com/2011/08/16/gold-etf-in-india-performance-and-volumes-in-last-year/
pls suggest me……
If buy ETF gold so transaction charges are Applicable are not ,
If yes. so how much during buying and selling.
Thx….
Yes transaction charges are applicable similar to what they would be applicable in the case of trading stocks.
I have been following your post for the last 5 Months, it is very very usefull, your way of presentation on any topic is very very nice,even a lay man will understand it, thank you very much .
” BIS Hall marking of Gold Jewellery ” – Is it Correct that the purity (.916, .875 etc ) mentioned on the BIS Hallmarked gold ornament, is just the surface purity of the ornament and not of the entire ornament, i also understand that hall marking is done on a sample from a lot and not on 100 % ornaments. it would be nice if you could write post on ” Hall marking of Gold Jewellaery”
Thanks
JMMohandas
A lot of topics have been covered regarding Insurance and Investments for Indian national residing in India.I am yet to hear a topic about the NRIs purchasing foreign Insurance and Investment products.I would say that 100 % of the expatriates especially in the Middle East are being taken for a ride in these avenues .Consultants acting on behalf of large brokerages are earning commissions in the range of 100%-140% of the first year premiums being paid by the policy holders.
They are wrongly selling Insurance products to customers in the name of Investments and Mutual funds…Really feel sorry for all the expats fallen in this trap..
Sir,
I want to buy term plan. suggest me from which compny i should take. The premium of LIC are larger than any other companies like ICICI, HDFC, Kotak…
Can you provide a detail review of Postal Life Insurance ?
I’m not really familiar with this other than knowing it’s for government employees only (and I’m not even sure of that) so I don’t think I can write about it – sorry.
Hi
Today I read a news about Home Loan.
Customers who have taken home loans from HDFC under the dual rate scheme are facing a peculiar problem. From April’1 , once their rates shift from Fixed to floating , their floating rate will be higher than the current floating rates, due to higher spreads.
Currently, HDFC’s floating rates vary between 10.5 to 11 per cent, depending on the amount. For customers whose loans become floating from April’1 , the rates could be in the 11. -12 per cent range, due to higher spreads over the RPLR ( Retail Prime Lending Rate ).
Here, my question is what is higher spreads and why conversion floating rate will be higher than the current floating rates, due to higher spreads ?
Please explain.
Thanks in advance.
Frankly, I’m not familiar with this situation and this is the first time I’m hearing of it but let me look at this and see what’s going on here. Thanks for the suggestion.
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