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. I enjoy your informative posts and have learned a lot. I am a MF investor and have done lumpsum & SIP in various schemes. I understand that we must track these investmetns at regular intervals and exit the non-performing funds. I really do not know how to go about it. Please do a post this topic specially covering SIP investmens.

  2. Hi,
    Can you do a post on Indiainfoline NCDs to be launched this week, probably on 4th Aug.
    You could also touch up on investing in NCDs vs FDs.

    Hope you are doing fine…

    1. Thanks for the idea – I saw the news about them filing the prospectus a few days ago, but didn’t realize they will launch so soon. Let me write a post on that this week. Thanks for bringing that to my attention BR!

  3. Hi Manshu, firstly I would like to sincearly thank you for enlightening us with so much of information which otherwise is not available so easily.

    It would be great if you could get us some information on the new IT return process in which we do not have to file a tax return if salary is below 5lakhs. There are lot of grey areas which people do not now yet.


  4. Manshu, is it possible for you to talk about 2 most growing banks Yes and IndusInd Bank today. How do you find these and their business model?

    1. I’ll try to write about that Anoop, though there are several posts suggested here that I have to get to first, so this may take quite long.

  5. Hi,

    Could anyone please publish the best Policy along with offering company that is highly benefitable under SECTION 80 D.

    please describe and do the needful

    thanks in advance

  6. Dear Manshu,

    This is to bring to your notice about, an online personal finance finance management solution from India. it currently serves 140000 registered users and has features like auto-update, 360 degree view for one’s portfolio and tax e-filing to name the few.
    This is to request you to review Perfios offerings.
    Please let me know how we can take this forward.
    Look forward to to here from you.

    Nehal Pandya

  7. Hi Manshu,

    Would be interested to see some light thrown on recurring deposits of banks. Especially the way tax is calculated on the returns – for example, if 5k is invested for a period of 10 years (6 lakhs) and at 9.25% interest rate, the amount becomes around 9.8Lacs, should we have to pay interest on 3.8 Lacs or does the calculation differ in anyway?


    1. Hi Mike,

      I don’t know the answer to that on the top of my head. Let me research this a little, and if I find something I will write a post. I will leave another comment here in either case.

  8. Hi Manshu,

    Do you have an opinion on the take over Benchmark Asset Management Company by Goldman Sachs? I am specially interested in their changes made in the attributes of the Liquid BeES. The circular refers to changes in the Investment Objectives, Instruments, Risk Factors and Risk Controls among others.

    The one change I was curious about was in the Instruments which adds `Collateralised Lending and Borrowing Obligation (CBLO)/ similar intruments`. Why the ambiguous term “similar instruments”? Another change is in the Risk Controls. What do you think would these changes affect in terms of the scheme?

    Look forward to knowledgeable comments on these changes?

    1. Hi Nikhil,

      Thank you for the question, but I’m not nearly knowledgeable enough to comment on this. I’m afraid I can’t write about this.

  9. Hello Manshu !
    Since few days I am following your expert comments. Let me know the impact of Direct Taxes Bill on the PF savings of Public Sector Employees. And also let me know the impact of the bill on the House Building Loans (Principal and Interest)

    1. Thanks Phani – these are great suggestions, and I’ll try and write about them. There are a few topics that I should cover before getting to this one, so it may take some time.

      That shouldn’t be a problem though because DTC is still some time away 🙂

  10. how about a article on worst performing mutual funds specially equity diversified,
    comparison can done based on peer funds who have performed well
    also the fund houses who have maximum number of fund with bad returns as compared to peers in the respective category
    it will help in rating fund houses and finding the worst fund managers 🙂

  11. I am facing lot of problem to manage my saving and investments.

    I have FD in various banks, Bonds of various company, NSC, PPF, Company’s Provident Fund where I am working,investments in stocks, NCD,etc…etc…..

    Immovable property like flat(apartment), house at village etc…etc…..

    Movable property like Car, TV, Fridge, Gold, Diamond, Gold ornaments, Diamond ornaments, Precious stones, Silver, Sliver utensils, silver ornaments, Two wheeler, computer, laptop, air conditioner, etc…….etc…..

    I am facing too much difficulties to manage all these thing.

    Many software i tried on net but they are of no use……and proved hopeless junk.

    I need a software which track all my investments and it’s maturity dates and it’s reminders.
    It should calculate the interest for the financial year of any given FD so that i came to know that the interest on this FD is more then 10,000/- so tax will be deducted and if applicable i will fill up form 15G / 15H as applicable.

    Say for an e.g. I have (Say A) FD in SBI 20,000/-, in BOB 10,000/-, in HDFC 15,000/-….etc
    and say my wife (Say B) have FD in HDFC 10,000/-, in IDBI 5,000/-, in ICICI 20,000/-……etc

    Like that for all my family members including my mother.

    Now if i have to see how much investment of our family in HDFC so the software must show
    A has 15,000/- (as above data)
    B has 10,000/- (as above data)
    C has Nil
    D has Nil

    Like that……………..

    Now if i ask …..How much investment A has
    so it should show as below from above data
    A has
    20,000/- in SBI
    10,000/- in BOB
    15,000/- in HDFC
    Nil in ICICI
    Nil in IDBI…………………………like that

    If i ask for B it will show like above for B ……

    If i ask for all then it should show for all like above for A, B, C, D, …….etc

    It should generate report and It should be in printable format ( All the time i am facing problem to print excel sheet as it is too long)

    It should calculate interest from date of deposit to end of the financial year and then for next financial year it should take previous year’s (principal + interest) as a principal amount.

    All should be store at my machine and not on the web as so many site provide such type of the services.

    This software should contains all the important details of driving licence number, passport No.,…..ration card no…….ect…..

    It should contain scan copy of all the educational mark sheets of all the family member……..

    It should calculate so many things for stocks like date of purchase, sell gain, loss, capital gain tax,…..etc

    Something like these i need…..

    will you help

    1. Thank you for laying out your needs in such detail, but I’m afraid this is way beyond what I do here, and there’s nothing I can do to help you in this.

      All the best with your search though!

  12. Dear Onemint,

    You guys are really doing well and passing lot of knowledge through this platform. It is seriously useful for individuals and students.

    I am a salaried employee earn approx INR4.2 Lakhs pa and some 1 Lakhs as bonus. I want to structure my salary so that I pay minimum taxes. I know some basic things like HRA, Travelling and Medical Allowance

    Please help me

    1. Dear Akhil,

      Thanks for your kind words – I have written a post about Introduction to Income Tax a few months ago. That should get you started and there are links to other articles in that post that explains on the specific parts I touch upon.

      I think that should be a good place for you to start and if you have more questions then please leave a comment and I’ll try to answer it to the best of my ability.

      Here is the link:

  13. Can you please write about (1)wealth tax? Current cap & changes proposed in DTC, etc.
    Who needs to pay and on what?

    I had also asked about (2) investing in Forex, can Indians buy & hold foreign currency?

    More suggestions will follow…

    Thanx for all the good articles!!

    1. Thanks for the suggestions – there are just too many things lined up to do, and that’s the only reason I’ve not been able to get to your earlier suggestion. Unfortunately, it does take me a long time to get to suggestions!

      1. I understand that availability of time can always be a constraint.
        Thanks for the article on Wealth Tax.

        I did some research on holding/investing in foreign currency. Reasonably ok info is available on RBI website.

        1. Thanks for your understanding, and I’m glad you found some info on the RBI site. They have some excellent reports there as well if you’re ever interested in that kind of thing.

  14. I have got myKYC verified from CDSL ventures for Mutual funds transactions. Corporation Bank(where my account is ) is now asking me to apply for KYC. Is it not enough that I have already my KYC verified like I said above,Can I submit a copy of the same to the Bank?

    1. Hmmm, it sounds like it should but to be honest I don’t know if it will work for sure. Best bet is to check with the bank itself.

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