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Dear Readers

Greetings from

I am getting several emails asking for investment advices on While I would be responding them individually, these would not reach other readers. I am getting questions from people which are general in nature and I am trying to answer the same questions to several investors. To avoid this, I am taking new initiative which would help readers. This is “Suggest a topic” option on the menu bar. If you have any topic which is not covered here, you can leave a comment with little detailed description on what you are looking for which you could not find on this website. I would start publishing the articles based on these topics as early as possible.

Thanks Manju Fernandes from Dubai who is asking for NRI investment advices and Ravi Gupta who is asking to write about best demat accounts in terms of low charges. I am starting this topic with these two.


Suresh KP


  1. Which is the best liquid mutual fund to invest in presently. How do i invest in a direct plan of mutual funds? Are mutual funds brought from icicidirect considered as bought in direct plan if we tick that investment is not based on any brokers​ advice

  2. Hi Suresh,

    Can you provide insight on Green House farming. Farming is one of the area which is avoided by many of them but people are unaware of the benefits and subsidy provided by the government. Can you provide some details on this, like, minimum requirement, investment required, risks involved, benefits, subsidy, etc.



  3. Hi suresh

    i am new investor with risk high medimum risk appitite want to invest in mf through sip I can invest up to 10k a month looking for suggestions for tax savings as well as high return mf. I have plans to buy house in next 5 years hence want your suggestion to buy good income generating mf

  4. Hi Suresh

    Can you kindly suggest an article on how to invest in Mutual fund if the investment is lumpsum and also if you can suggest a MF for the same.



  5. HI,

    I am 22yrs old and save around 14k a month. I am new to Mutual Funds with a horizon of 4-5 Years.

    On Jan'17 I have invested 10K each in Franklin India Flexi Cap Fund, Templeton India Equity Income Fund and Birla SL Top 100 Fund all Dividend-Reinvestment option

    I have invested in these schemes through an agent. But now I want to invest of my own. What would be better, to invest directly through AMC website or through MFU?

    I think going for lumsum amount is better than SIP (Please help me with a good reason to defend this)

    Currently I was thinking of investing in Franklin India Smaller companies fund (10k) and HDFC Mid-Cap Opportunities Fund (10k)

    I was thinking of opting for Dividend-Reinvestment Option. Will this be a good option ?

    Please suggest me if my portfolio is correct. What more funds should I add?

    1. I am not an expert on this subject but giving my opinions based on my experience. Its been many days that you posted it but felt like writing.

      SIP is the best option : We can’t really time the market. Moreover with markets at peak high now it is better to go for SIPs than lump sum. I agree there are chances of getting higher profits if you take lump sum route at proper timing and at time same time there are also equivalent chances of getting doomed. But who knows when is that.

      MFU seems to be a very good initiative. Its not a good reporting tool as of now but I hope they will improve over a period. Since you are planning to invest in 3 different fund houses, this will make ur life easy. The pain point I see in MFU is SIP, for that we need to submit payeezz form and it takes 1-2 months to get you into action. I had one rejection because of missing out one field in the form. This I got to know after 1.5 months. The only workaround is STP which is possible only when you have lump sum and ready to invest in liquid/short term funds.
      Whereas if you go through AMCs, we can register SIPs easily and add that payee using URN in our bank account as long as you are done with KYC with proper bank details linked to it.

      And dude its a good thought to avoid agent and do it on your own (direct plan). Very recently I saw a very good article which was detailing on how the agents are benefiting on this regular plan commissions. And you believe it or not it was huge !!!!

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