About Me

Hello Readers

I am Suresh Kumar Podishetti (people love to call as Suresh KP ) from Hyderabad (India). I am NISM Certified Investment Adviser (Registration no. NISM-201500040549) and did my MBA-Finance from Symbiosis University, Pune. I have started financial blogging since 2011. I have been analyzing financial markets in the last 20 years and love to track Mutual Funds, Stocks, Insurance Plans, Health insurance etc. and provides various insights on this blog to help investors + readers of this blog.

What is the purpose of creating this blog?

I have created this blog in 2012.

I do 9-6 job, however out of my passion, I created this financial and investment blog. The purpose of creating this blog is to create awareness among the investor community. I was always passionate about analyzing various investment options in India. Some of my friends and colleagues earlier used to ask me about various best investment options and tips to save money. I used to guide them on transaction basis. Sometimes I felt, that there might be thousands of investors who might be struggling to understand the investment options available right in front of them. I thought of sharing my stock market experiences, financial knowledge, Investment Ideas etc., so that they would also benefit. This is how this blog got created. 

While I am making every effort to be most accurate when writing my analysis on this blog, there can be errors in posts without my knowledge. In case you find any of such errors or issues in the blogs, please mail me immediately to suresh@myinvestmentideas.com or suresh.podishetti@yahoo.com so that I can correct it then and there. You can also share your views under comments of respective articles.

Thanks for your support.

Suresh KP

Myinvestmentideas.com

More about us

1) Certifications

NISM Certificate – Investment Adviser – Level-1

NISM Certificate – Investment Adviser – Level-2

2) Follow-us on Social Media

Follow us on FB at https://www.facebook.com/Myinvestmentideas

Follow us on Twitter at https://www.Twitter.com/Myinvestmentide

Follow on Quora – https://www.quora.com/profile/Suresh-Kp-1

Follow on Indiblogger – https://www.indiblogger.in/1ubiruen2qqs

Follow on Linkedin – https://www.linkedin.com/company/myinvestmentideas-com/

3) Readers Reviews on Google

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4) Other Financial websites

i) Money Control Market Expert – http://www.moneycontrol.com/elite/profile/suresh-kp_3593.html

ii) Silicon India – https://www.siliconindia.com/profiles/Suresh-Kumar-9iVRvZTl.html

iii) Surety Solutions – https://blog.suretysolutions.com/suretynews/expert-interview-with-suresh-kumar-podishetti-about-indias-investment-options

4) Financial Planning – Training and Awareness Sessions

i) Financial Discipline, Money Management and How to Start Early – Awareness session conducted by Suresh KP for T&AS Engineers Employees – https://myinvestmentideas.com/2019/05/financial-discipline-and-how-to-start-investing-early-awareness-session-for-tas-engg-employees/

ii) Conducted a session on “Personal investment planning during Pandemic” in 2020 to “The institute of Cost Accountants of India”.

 

iii) Conducted a session with iFocus Mission on “Personal Wealth Creation tips” in 2020.

View Comments (77)

  • Hi Suresh,

    i am a regular reader of your blog and find it quite informative and interesting.  i want to ask you the following:

    1. I have started a Post Office RD scheme of Rs 1000/ month for period of 5 years in my son's name and the same is maturing next month. I will be getting about Rs 74500/- on maturity next month. Please suggest a suitable investment which is safe and low risk. My investment horizon is anything between 5- 10 years.

    2. I would like to continue the Rs 1000/month installment towards any investemnt which is safe and without risk. Please suggest a suitable plan where i can put this amount??

    regards

    Soni

    • Hi Vivek, Currently there are several NCD bonds going on. You can invest in "Secured bonds" like IIFL Secured bond where money is safe. Alternative if you want to take small risk, you can invest in debt mutual funds such as IDFC Dynamic bond fund or SBI Dynamic bond fund. Since you are asking for monthly investment without risk you should go for Bank FD or post office saving scheme only. These are safe investments with zero risk.

  • Hello Sir,

    I want to make a career in investment and trading field. Can you please guide me how to go about it. Can I join somewhere as an intern to learn things??

    Thanks in advance.

    • Mayur, There are several companies which offer training in this field. e.g. ICICIDirect.com. You can check with them. This is only one choice there might be many others.

  • Hi Suresh,

    Firstly, my appreciation towards your very good effort demonstrated on this blogspot..

    There are a lot of websites thesedays in the abroad market, where they create a bridge between small private investors and SME's come together for investments needs (by proposing business idea and capital needs).  No need to wait for Venture Capitalists and waste time running behind banks!  Do you suppose, such an option could pick up a space in India ?

    All the very best.  Look forward to grow your blog further!

    Best regards,

    Srinivasa Prasad

  •  SURESH JE, I SEE INDIAN BANK VRD DETAILS ON INDIAN BANK OWN SITE WHERE IT CLEARLY MENTION THAT IN THIS SCHEME TDS IS NOT APPLICABLE, THIS IS TRUE OR NOT KINDLY SUGGEST ME

    • Bikash, Two weeks back, I got intimation from Indian bank stating that their team is no deducting TDS on my VRD account, hence would be proceeding to deduct TDS from now on. I have seen that prior to my IT return and paid necessary tax. Every branch is following their own rule. Recently one reader went to bank and asked about what is specified in website, bank official refused to comment and they said it is incorrect. Request you to go to your bank branch to verify authenticity of such data. It may be immaterial for you as you any how need to pay tax based on your income tax slab. 

  • suresh ji , one more question , are there any variable recurring deposite schemes in govt bank where  no TDS deduct by bank in its interest.

    • Bikash, All banks are supposed to deduct TDS on RD, VRD and Bank FD. If your income is not taxable, you can submit form 15G and bank would not deduct tds.

  • Dear Suresh, Nice blog sir, I just wanted to know how to make money by writing blogs. I tried google adsense but i am not able to get a registration. Any other ways where in I can make money. Currently I am working as a sales engineer where in I spend a lot of time at work from home and travelling across bangalore all day. Please guide me.

    -

    Thanks

    Vishwas 

    • Vishwas, pls see allbusinessideasdotcom where we have posted several articles on how to make money online. I would not say they are easy, but you can try and would definitely make money if you put good effort. 

  • Dear suresh,

    I have one query.Today I have got a call from HDFC Life ,they have given some details on HDFC Life Sampoorn Samridhi Insurance Plan.I would like to know,if this plan is good enough to invest,or do I refrain myself from doin the investment.Please help.

     

    • Can you pls post this on suggest a topic option so that next week  I can review this. I heard about this Anup, let me do some analysis.

  •  SURESH  JI   MY QUE IS (1) I WANT TO KNOW THAT WHERE I INVEST 15000 PER MONTH EITHER IN TAKE FD PER MONTH OR UCO RDUSS RD AC. ,  QUE (2) IN UCO RDUSS RD AC INTEREST  TDS DEDUCTED OR NOT .

    • Bikash 1) Bank FD is one time and earns interest of 8% to 9% per annum. UCO RDUSS is recurring deposit account. You can get 8.7% per annum. Other bank RD also offering similar interest rates 2) Banks would deduct TDS of 10% if you submit PAN Card or else 20% without PAN card. Same rule applies for UCO RD account.

  • Hello suresh ji, I am in govt job , my  monthly salary is 40000 pm,  . I have 5 mutual fund sip ( 1000  rs per sip pm )  excluding this sip   i save 15000 to  20000 per month from my salary . I want to know that this saving amount ( 15000 to 20000 ) should i invest either  in FD every month or invest in uco rduss rd ac. I am in tax bracket also , so in view of TDS AND RETURN in both which is better for me  .  what will impact in return in FD PER MONTH AND INVEST PER MONTH SAME AMOUNT IN UCO RDUSS RD AC. thank u

    • Bikash, If you are looking for tax saving options, invest in Tax saving FD. You can choose a bank where you have bank account and with higher interest rate. FD is one time investment and RD is recurring monthly investment.

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