About Me

Hello Readers

I am Suresh KP from Hyderabad (India). I have done by Bachelor of Commerce (B.Com) from Osmania University and then MBA-Finance from Symbiosis University, Pune. I have started blogging since 2011. I have over 20 years of experience in analysing various investment options and money saving ideas. I love doing financial planning, Mutual Fund Analysis, Searching long term Stocks for wealth creation, IPOs, reviewing Insurance Products, analysing Health insurance Plans etc.

What is the purpose of creating this blog?

I have created this blog in 2012.

Main objective of creating this blog: I do 9-6 job, however out of my passion, I created this blog. My main purpose of creating this blog is to make money.

Second Main objective of creating this blog: The other main objective of creating this blog is to create awareness among the investor community. I was always passionate about various investment options in India. Earlier, many of my friends and colleagues used to ask about various best investment options, Tips on saving money and how to save money in some of the best investment plans. I used to guiding them several times. Sometimes I felt, that there might be thousands of people who might be struggling to understand the investment options available right in front of them. I thought of sharing my experiences, knowledge, Investment Ideas etc., so that they would also benefit.

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

Thanks for your support.

Suresh

Myinvestmentideas.com

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The Author

Suresh

77 Comments

  1. Hi  Suresh,

    I am very impressed after going thru ur blog. I have a few questions. I would be grateful if u can answer them.

    At present I am working abroad. At my home in India, we recently did renewation of our  house for which I had to sppend around 28 lakhs, which I felt un necessary. But it was in evitable , so I helped my brother with around 15 lakhs.

    We have a total debt of around 36 lakhs . My brothers they do agriculture. when the market is down (most of the time) they dont get much profit out of that.They dont have any other knowledge about other business. I am totally frustrated financing my brothers who dont take much interrest in clearing the large debt. They feel that I have to send money monthly. Initial yrs  I sent 50,000 monthly. like this till now totaly I might have given them around 25 lakhs. We have a plot in a city which costs about 80 lakhs. My fateris not ready to sell it. One more plot which is 20 lakhs worth is in the name of my brother. It is on lease cum sale deed for 10 yrs. So though it  20 lakhs worth, if we try to sell it now we are not getting good price.

    so kindly advise me how to get rid of all these debts please.

    Regards.

    Jit.

    1. Jit, This look similar to my problem. I feel as long as you keep sending money, people would happily enjoy and do not worry. Please talk to your father and solve it. You may not solve your debt problem if you sell smaller plot of Rs 20 L. You should either sell large plot and close the debt or you should ask your brothers to contribute to close the debt. I don’t think my answer is the best one, but this is what I feel is best.

      1. Hi Suresh,

        I also thought the same way. Now otherwise I am thinking to include my name in the bigger plot along withmy father's name.. Then I can take whole responsibility of the clearing loan and later I can claim my contribution if at all my brothers ask for the share in the plot. At least it will be an asset in my name. I can at least feel I am investing in real estate property which will definately give good returns. 

        Thanks.

        Jit.

         

  2. Thanks Suresh for such nice advice and ideas to people. I am 28 yrs old,salried person and earning 8 lac.p.a. My montly expenses are 20k+Housing laon EMI 20K. I ahve taken LIC 10lac Jeevan Anand for which I need to pay 60k yearly. I wanted your advice on following points:

    1.  I wanted to do some part time job to make money.

    2. I am planning to take HDFC Click to Protect term insurance plan. wht is your advice on the same.

    3.As you are financial expert I want advice from you to make strong porfolio for investement,good retuns and risk cover.

    regards,

    Rajesh

    1. Rajesh, Please refer this article where you can convert your hobbies into money.

      Also refer another article about 25 part time ideas.  

      HDFC click 2 protect is good policy. You can review and consider taking it. I feel best way to invest money is to invest for long term. It can be stocks like TCS or large cap mutual funds or diversified mutual funds. Consider taking 20% in gold and bank FD as they provide stability and would support during difficult times. 

  3. Hi suresh, congratulations to u for your grt initiative. Really your guidence is very useful for investments.. U r really solving problems of many people. 

    Suresh, I want to ask u abt business ideas with low investments, i have read all 20 but I want somthing lik I can start at small town . I leaves in Malegaon in Nashik district maharasttra state.  I want to start somthing in my town. Can u please guide me. 

    1. Rashmi, you are the best person to judge whether any of such business would run or not.

  4. I want advice on my Mutual fund Investment.
     there are lot many funds accumulated . Its difficult for me to make it limited funds protfolio.
    Please suggest which funds to switch and where.? I want to split half money where i can get steady income and half equity with risk.
     

    what are restrictions for invest and income tax , pull out for NRE account related investment 
     
    Funds details –
     
    IDFC PREMIER EQUITY FUND REGULAR PLAN DIVIDENT PAYOUT
    RELAINCE EQUITY OPPORTUNITY FUND
    RELIANCE REGULAR SAVING FUND -EQUITY PLAN
    RELAINCE GOLD SAVING FUND
    RELAINCE MONTHLY INCOME FUND
    TEMPLETON INDIAN CORPORATE BOND OPPORTUNITIES FUND GROWTH
    DSP BLACKROCK TOP 100 EQUITY FUND REGULAR PLAN GRWOTH
    DSP BLACKROCK INDIA TIGER FUND REGULAR PLAN GRWOTH
    FRANKLIN INDIA PRIMA PLUS GROWTH
    F T INDIA FEEDER FRANKLIN US OPPORTUNITIES GROWTH FUND
    HDFC EQUITY FUND DIVIDENT REINVESTMENT
    HDFC LONG TERM ADVANTAGE FUND GROWTH
    HSBC BRAZIL FUND DIVDENT PAYOUT
    HDFC TOP 200 GROWTH
    BIRLA SUN LIFE DIVIDENT YIELD PLUS DIVIDENT REINVESTMENT FUND
    BIRLA SUNLIFE EQUITY FUND
    ICICI PRUDETIAL FOCUSED BLUECHIP EQUITY FUND
    ICICI PRUDENTIAL DYNAMIC REGULAR
    ICICI PREDUENTIAL TOP 100

    1. Harshal, I would tell you which are good. Others you can take call.  Reliance eqyit opps fund reliance gold saving fund, HDFC long term advantage fund, HDC top 200, icici pru focussed blue chip fund, icici dynamic fund. Remaining you can review and switch to other options. Regd taxation, looks you are asking from NRI perspective. There is no seperate taxation for NRI’s for mutual funds. However you need to go thru NRE/NRO account and you would get certain exemptions if you do thru NRE account. Check my articles on NRI investment category, you would get some idea

      1. thanks for reply.

        Can you please give some more information about ruppe max deposite hdfc.

        Should nre invest in FCNR deposits with Forward Cover? whats ur opinion and hows exact calculations for this.

        1. I need to some analysis before I provide the details to you

  5. Dear Suresh,

    Thank you very much for your good work,your blog is a torchbearer for new investers.

    I am 30 years old,my take home is 31k p.m,i have done some small investments in LIC and HDFC ergo mediclaim whch is around 2000k pm,i would like to do long term investment which can give back good corpus i can invest 3000k to 5000k pm.i have  9 months old son for which i took the lic jeevan saral 2 months back.

    Please guide how i have to invest 3000k to 5000k pm.

    Regards,

    Ravindra

    Can you please

     

    1. Ravi, Since you are young age, you can take some risk and invest in stocks and mutual funds. To start, invest in large cap and diversified mutual funds. Refer this article and you would get some ideas. https://myinvestmentideas.com/2013/07/best-mutual-funds-to-invest-in-india-with-solid-and-consistent-returns-in-long-run/

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