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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1,786 thoughts on “Suggest a topic”

  1. Hi,

    I have just come across LIC Policy “Jeevan Saral” which irrespective of Age as a factor would give you handsome return

    Eg: A monthly investment of 2000 rs for a period of 30 years will give you an sum of Rs. 45.13 lacs at the end of 30 years thats like return of 13% CAGR.

    The policy is for a maximum period of 35years when returns turns out to be 13.18% CAGR…..

    Also you get insurance of 5lacs for lifetime which is add-on…..

    Is this for real?????? and if yes how is it possible to get such high return on sustainable basis for such long time….will LIC usrvive this????

  2. how to ensure the purity of gold ornaments we buy. how to check if the ornament we buy is truly hallmarked or not. now the govt has made hallmarking mandatory for all gold jewellary.

  3. Now since the Govt has made Hallmarking for all gold jewellery compulsary, pls. post an article on how does this whole process go about and what we as a lay man should look before buying the gold ornaments so that we are sure about the quality. and pls do include whether the hallmarking is on sample basis or 100% hallmarking.

    Rakesh thakur

    1. I’m not familiar with this process and very little about gold hallmarking so I don’t know how much I will be able to write on that but I can give it a try.

  4. How about an article on historical data analysis of Annual Inflation Rate and 1 Year SBI FD rates to check how long (and during what economic cycles) the real interest rates have been negative in India

  5. Hi,

    These days because of handsome return in debt fund many advisors are coming to sell debt funds. kindly suggest going forward when the interest rate scenario is going to be down side what are the good funds and what are the parameters to evaluate to these funds. kindly advise me some good bond funds since my target is not more than 10%

  6. Planning under 80C:
    What should be ideal idea to invest under 80C.. PPF, NSC, Insurance and other..? Give your ideal feedback to better plan your investment under 80C with good returns and lower risk;

  7. Hi,

    I have a query, I bought Muthuth NCD in secondary market, at a price of Rs 800, face value of this is Rs 1000, Now its trading below my bought price, what will happen to my interest and my maturity amount. will i get Rs 1000 per bond?


    1. Your interest and maturity amount will remain the same. There will be no effect on that as long as you hold the NCD. Those will only get affected if the company falls into trouble or something like that. The market price has no impact on the interest payments and redemption.

  8. hi,,,,,,,,
    Can you tell something about insurance.
    whether LIC of India is better then other private player.
    for both Tradition and Ulip plan.

  9. Saw an ad in the ‘MoneyLife’ magazine of a product called “Future Capital Flexi Gold”. The ad doesn’t give out much details. Just that you can invest as less as 1 gram per month, and can sell in an “exchange” (doesn’t specify which). Also says that the “units” can be converted into physical coins/bars/jewellery. This doesn’t seem to be an ETF.

    Surprisingly, though the ad asks us to visit for more details, this site doesn’t have anything about this product.

    Know anything??

  10. Can you pls explain about preferential shares, what are they?, difference between Normal stock and this?. Why is the price too low compared to normal stock?. Are they entitled to pay fixed Interest/dividend?.. The reason why I ask is, I had 800 common stocks of Ispat limited but few years back, they converted 440 shares to preferential shares and the rest to common stock. I don’t have any clue of this. Appreciate your response. Thanks

    1. I don’t know about Spice Jet but in general it’s not a good idea to buy shares based on announcements that have taken place a few days ago. Traders and other players who are interested in and knowledgeable about this space would already have bought the shares before and immediately after the announcement. I see it hard for the small guys to make money this way.

  11. Would like to know about the new Transaction Charge of Rs 100 levied on every purchase in MFs. When I sell, will this be included in the purchase cost, or is it treated separately.

  12. Hi
    I have 2 topics on which would request a post.
    First: How do Indians apply for Facebook IPO? Is it possible to apply in the first place?
    Two: I have shares of a LSE-listed company allocated as part of employee program. How does one redeem such shares? While my company has tie-up with natwest, I am just wondering how will I redeem these shares once I change jobs. Right now the share price is so-so but it will go up and the pound exchange rate also will help. So I want to keep these for long term irresepective of my job status

    1. I don’t think Indians can apply for the FB IPO. The way IPOs work in the US is different from how they work in India. Ordinary people can’t apply for the IPO stock. The banks sell the stock first to their clients which are large institutions and when they start trading in the market – that’s when everyone else gets to buy them. So, I don’t think there is any chance that Indian investors can participate in the IPO.

      For the second part – I’m not sure about that – I’ll see if I can find any info on that and will write if I find something.

  13. Give a case study/ format with arbitary figs. for filing Tax-Returns by a Retiree,past 60 years——-having FD/MIS of PO/NSC /PPF DEPOSIT /M.F. INCOME FROM DIVIDEND AND SELL /SHARE INVESTMENT /ELSS INVESTMENT/BANK SB A/C etc. etc.Also what is the max. slab of income for exemption of Tax Return Filing for people between 61 and 65 as also above 65 ?

  14. I have a query related to EPF withdrawal.
    If I have worked for a company for 4 years and 6 months and resign after that; how much tax do I have to pay if I withdraw the EPF amount.

    If I wait for another 6 months; which means that my EPF account would be 5 years old; would the EPF withdrawal be taxable?

    If I get it transferred to my new company EPF account and work there for another 1 year and resign after that would the amount be taxable if I withdraw it and how much of tax would be required to be paid?

    Thanks in advance!

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