Dear Readers
Greetings from myinvestmentideas.com.
I am getting several emails asking for investment advices on Suresh@myinvestmentideas.com. 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.
Regards
Suresh KP
Please write about Purvi Finance Kolkatta
NTPC Green Energy IPO
We stopped reviewing IPOs / Stock specific recommendations as we are not SEBI registered investment advisors. I hope you understand.
Aapke IPO reviews badhiya hote hai, per aap vigat kuch dino se IPO reviews nahi daal rahe hai. Please keep posting your reviews and opinion on upcoming IPOs
Thanks
Hi,
There is a lot of confusion between ups and nps. What would be beneficial for employees having more than 25 years of service?Please write a detailed blog on the topic.
DEAR SIR,
KINDLY WRITE A DETAILED ANALYSIS ON DSP NIFTY TOP 10 EQUAL WEIGHT INDEX FUND…
I have seen in kotak mutual fund house, a term called “smart SIP”. I am not able understand the concept and princciples. May I request you to provide a detailed article on this so that all investors like me can benefit out of that. Thank you
Why are you not writing about IPO reviews quite recently??
Pramod, Since I am not SEBI registered Research Analyst or Investment Advisor, I am not writing IPO reviews or stock recommendations these days. I hope you understand.
SMART PLATINA PLUS from sbi life
Suresh ji, Is it really possible to create 10 Crores wealth with 5,000 SIP in mutual funds? I am in my 35’s and ready to take risk and invest for long term. If I want to add my salary revision also year on year and increase this by 1,000 every year, would it make it faster? Give couple of examples on how can i make my 10 crore journey faster. I am ready to pay your fees if you can guide me plz.
Sir, Bitcoin has increased by 2,000% in the last 5 financial years. Any reason you do not write articles on this topic? I am from Chennai and my friends are earning good money in the last 6 months. They even doubled their investment. Can i invest now. please sir.
pl write about various etf and how to select and compare
thanks.
Role of relationship manager in our investment
Hi Suresh,
Can you create a topic on maintaining MF units in our demat account? What are the pros and cons? So far I have been maintaining MF units in non-demat form. What are the charges involved in non-demat form?
Please write an article about how to
Invest in the unlisted shares
Thanks
Need your advice for investment in bonds from open market, how, when, and from where
why various platfroms charge much above the prevailing price+ accured interest.
Please advice on small case
Please give your ratings/recommendations on IPO including SME ipo, as we value your judgement.
Its not worth investing in SME IPO, hence I am not able to provide these reviews
Jeevan Kiran Plan No.870
About LIC Dhan Vridhi plan
Current status of SREI NCD Repayment and as NCD holder what to do !
How to use technical indicators like RSI,moving averages,MACD etc. in momentum investing
Sir,
Please give your review on LIC New Jeevan Shanthi
specially for retired people to invest
Hello Sir,
Greetings of the Day.
Most of the people in social media are suggesting to open PPF account between 1st of April to 5th of April, to get the 15 full years of compund interest , my question is PPF is Lockin investment for 15 years from the date of opening of account, so it’s okay with if account is opened 5th of any month is countable,so Why so many people are suggesting on April month only…
Would it be possible to cover high pension with EPF? Should one go for it or not?
Please share how capital gains tax are calculated on the sale of a property (house or plot)
And how the taxation applies to residents and NRIs.
Thank you
Any chance to share thoughts on Postal life insurance
Reliance Home Finance ncd resolution plan supreme court approved and order published .
Please write topic covering effect on retail ncd holder
There is 20% upper circuit from 2 to 3 days approx. On RHFL N6 Ncd Bond on NSE.
Please also suggest we should buy or not ?
INE217K07AG5*
reliance home finance NCD
9.15 Jan 2027 maturity ..what happened to this NCD
Sir it is requested to publish an article on the topic of BEST CREDIT CARDS ON CATAGORY WISE
There is an AIF named Growpital assuring 17% returns and that too TAX FREE. Kindly guide me whether is it legit or not?
Would like to understand PMS schemes that may best fit NRI’s for a medium to long term horizon.
Sir,
Would you be able to provide comparative analysis of available PMS in India or top performing PMS over the time
Thanks
IRCTC OFS. Can we buy? Request suggestion
All railway stocks are up in the last few weeks except IRCTC. I personally got fed-up and sold couple of days. I may be wrong, but I am personally not in favor of IRCTC.
What would be best asset class for NRI.
Since FD earnings are tax free, can we keep accumulate the money over there ?
Thank You
What are the best Income Protection plans available in India?
Can you do a comparitive study and advise on the same.
Hello Suresh,
Hope you are well!
I would like to suggest a topic for an article. Haven’t seen any article regarding Tax we need to pay for Mutual Funds, Stocks.
Short Term Capital Gain
Long Term Capital Gain
Tax payable for Equity fund.
Tax payable for Debt fund
Does Investors Tax slab come into play for the taxation.
Kind Regards,
Ajex V Scaria
Pl comment about nifty alpha low value index funds . What is their performance vs Nifty 50 index
Hi,
I am following your blog for long time, can you write about the IDCW in mutual fund, what is the frequency of dividant in a year. Which fund give regular dividant.
hi how r u
I am good Sakthi. How are you?
Dear Suresh,
Please let us know about Invoice discounting platform. “Falcon” is one of such online platform which is providing net yield up to 20% by investing in deals of blue-chip companies. It is working in market since 2015 with zero default & zero NPA. Kindly suggest how much investment is safe in this kind of instrument. Regards!
Mr. Suresh. Max Life Insurance Limited has launched Capital Guarantee Plan. I want to buy this, but do not know high risk or safe. Need your quick suggestion by way of website post
Can you please publish an article on how to take advantage of stock market crash? I would love to see your views and ideas.
can you please write about invits and reits and also suggest few invits and reits for investments i.e IRB INVIT, INDIA GRID AND EMBASSY REIT ETC
Please make list of top 5 focused equity funds
Sir would you please publish an article regarding the TOP THREE MUTUAL FUND SCHEMES of each AMC, it will help when switching over to other schemes of same Mutual Fund House, when any particular scheme is not performing well. Thankyou
I had invested Rs 1 lakh in SREI equipment finance NCDs which got matured on Feb 2022. I haven’t received the maturity proceeds from the NCD and haven’t heard from SREI. Pls advise on what shall be done in this regards.
RentNap Secured Bond PDF details send to your email ID. Please study and write article about it and give your opinion in your usual style.
Hi Suresh,
I am a regular reader of your posts. Some of the good investment decision I have made are based on the pointer you have provided.
It would be great if you could provide your pointers in crypto currency investments. From various sources, I understand the volatility aspect. But if still someone decides to go ahead, what are the options available for Indian investors ? Fees charged by India and Foreign exchanges? Legality of using foreign exchanges? Security risks involved.
And as always your point of view.
Thanks and Regards,
Arun
Arun, Lakhs of investors have burnt their money in Crypto. While I am not against Crypto, unless it is legalized and some guidelines comes from Govt of India, I wanted to avoid this topic. There are mixed statements from Ministry of Finance (taxation point of view + saying not going to accept it as legal tender). Hopefully we should get this clarity in next few weeks. Please wait for few more weeks and we would start covering on this topic.
Please enlighten us on how T bills work on simple terms. Seeing some Auction on RBI direct but not able to understand the return
Hi Suresh
A Very Happy, Safe, Healthy New Year wishes for your and your family.
Please also write about best SWP plans, as like SIP people who have retired would like a systematic withdrawal plan MF that can provide good returns while supporting monthly withdrawal.
Investment on Tax Free NCD like REC, Hudco, NHAI Through secondary markets
pl suggest lumsum investment in MF for retired persons and how to do swp. pl. suggest specific funds and apps to invest. Obviously retired persons can’t make aggressive investments carrying high risk.
If you think one should not make lumsum direct investment, suggest the STP way from debt to equity, again suggest specific funds and amc and app to use.
thanks
I am interested in Investing some Amount in
Under this tough market situations,one should rethink before investment for high rate of interest. Need intelligent study and background, otherwise jeopardise.
Please give your review on motilal Nasdaq Q 50 ETF.
Dear Suresh
Please cover on the PM office RBI or some other bonds that even NRI could invest
I frequently visit to this site to get latest update and ideas which is helpful to take decision related to my personal finance .
I recently noticed few look and feel changes which are generally good only one suggestion, I found left black panel is not helpful and bit annoying its reducing the overall readable area specially on small screen like mobile or laptop.
Thanks for the feedback. We would check if we can remove left sidebar.
Did you observe the look and feel is changed back to old one now for our website.
Would like to hear about Bit coin and Ethereum – what are its pros and cons and whether it will be a good investment from India.
Can you please write on the investment options using crypto-currency like bitcoin etc….
Can you please suggest any good ELSS / Tax saving scheme
Please share article about RBI Retail direct scheme and how to start investment on those bonds
Could you please give your opinion on P2P investments?
FinTech platforms such as Grip , Rupeecircle are providing attractive investment opportunities with good returns. What are your views on same ?
Since early retirement is preferred and 10 – 12 cr seems to be the number for early retirement at age 45, pls write an article on how best to invest this amount securely in multiple instruments such that it earns 10-12% and pays the least income tax..
this would be a unique article to write.
UGRO has come up with A rated NCDs having 10 percent coupon rate. Wish you would review it at the earliest.
Details about rentnap investment. Is it safe? Its payment history? Review and rating? It may be fraud?
Go digit Insurance company offering the Health insurance with competitive price. can you please review on that.
can you post some ideas about cryptocurrency
Please review Bajaj Allianz Flexi Income Goal Plan as they claim to give guaranteed tax free returns and claim its not a Ulip Plan and Insurance part is only to make it tax free.
sir, bharti axa life insurance company new plan unnati, i heard good for all and every one, pls review
Financial Freedom
Financial Literacy…
Suresh Sir,
I have a very good suggestion. I wish you would post an article
exclusively about about the trends in interest rates in the short to medium term … say three to five years. Because this is critical factor when we decide on tenure whether for FDs or NCDs.
Yours faithfully,
Sharmistha
Dear Suresh,
I have come across a NBFC – Arthvaya India nidhi which offers around 10 percent interest on FDs. It would be worth a review. Also I am patiently waiting for your review on Creditbulls Investments .
Best regards,
Manoj
Dear Suresh Ji
In case both the Husband and wife want to invest in Mutual fund how to combine and rebalance the portfolio.
can you take this topic for discussion
Suresh,
In addition to Creditbulls (my previous request and suggestion), I have a new suggestion!
Muthoot Capital Fixed Deposit s. They offer 7.75 percent interest and are rated A plus Stable. Previously, one had to have Kerala address to avail this FD, but today, after talking to a representative from the Company, I came to know that they are now offering FDs pan India. And unlike Tamil Nadu Power Finance, they do not have bad reviews from existing customers. It would be great if you could review this FD too.
Best regards,
Manoj
Hi Manoj
What are the reviews in Tamil Nadu Power Finance ?
Post covid, this is the right time to invest in any business. Most of the businesses are now in growing stage as already loose some business in covid lockdown. Thanks for this information on this. Subscribed your blog.
Suresh,
A unique and innovative concept which is the brainchild of Dhaval Solani is Creditbulls Investments. The idea is that those who do not know how to buy and sell stocks can utilise the experience and expertise of those who do. And can receive the highest returns possible in India on FDs . The reviews of their existing customers are excellent. Recently there was an article about this company on Outlook India. Your review on this company would be a great boon to your visitors especially retired persons and senior citizens who could invest a small amount and verify for themselves. Looking forward to your review.
Best regards,
Manoj
Hi Suresh ji, I searched for any article about HUF Investing, i could not find.
This is one area where there is lot of ambiguity between individual Vs HUF. It would be good if you cover some key areas like Investment, Taxation, Gifts, break-up, post karta death implications etc..
Hi can you suggest your opinion on investment on platform such as 12% club and cred mint . Are they safe for investment as the offer lucarative returns.
sir kindly adv me the credibility of MUTHOOT MINI FINANCE NCD I would like to invest 1 lakhs in secure ncd please adv if it is secure our investment will be safer
kindly adv
MG Krishnan, These FDs are high risk investors only. If you fall in this category, you can invest. Check our recent article for complete info.
I would like to investments in ULIPs. Could you please advise me the best ULIP company and plan name/fund for investments
Biju, ULIPS would provide 4% to 5% returns post various charges. Why do you want to invest in ULIPS? Take a term insurance plan and simply put your money in FD which can fetch you high returns compared to ULIPs
please post your views on balanced advantage fund sbi
ARSB, We could not provide analysis upfront as we could not get accurate info in advance. This is new balance advantage fund and high risk investors can invest in such funds. Since the NFO is getting closed in next couple of days, we would not be able to provide the detailed article.
How to read fundamental analysis while selecting a stock market ?
Important ratios and parameters to consider in fundamental analysis ?
How to interpret them ?
Sir, i want to have monthly income so want know best monthly dividend paying mutual fund which has long term growth possibilty
I would suggest some options which myself and other visitors to your website might be interested in.
1) Online lending which provides monthly returns : Faircent, Lendbox.
2) Invoice discounting which provides monthly returns : Gripinvest
3) Creditbulls who invest in equity and provide monthly returns.
Manoj
I am planning to trade in the options segment. Could you please suggest to me if option segment trade is good and profitable? and what is the minimum amount need to invest for reasonable profit?
Thanks,
Hello Sir,
First of all, a big thank you for the articles that are being published, it’s very helpful and helps to draw comparisons, risks, pros and cons, etc. Would like to request, if you can provide a write-up about the basis of allocation in IPO’s and what’s a strategy to be followed in order to get shares allocated. In spite of applying the recent IPO’s none of them got allocated so I’m little curious to know more on this area.
Cheers,
Balaji Tulasi
Can you please guide us overdraft home loan and their pros and cons
Hi,
can you please review and throw some light on some best retirement fixed income(guaranteed) plans.
thanks
shiv
Dear Sir
How safe Mutual fund AMC’s in India.
Some mutual fund amc’s are only doing the AMC( MIREA /PARAG PARIK , ADITYA BIRLA) and some companies as background of Financial banks.( SBI / AXIS/ICICI/HDFC……)..
some article i have seen that it is always select the fund house with support of financial support of bank like (sbi,hdfc,icici etc….) ?
Some people says that few fund houses are from other country like ( mirea – south korea , PGIM-US , like that so many are there …)?
Now a days MF is good instrument and so many people doing the SIP and many people only says about the best fund of this year not about the Fund house performance..
AXIS , UTI – Fund House performance and all not good last 3 years?
and SEBI how it is protecting the Investors form Such foreign fund houses.
Kindly take this article and write your view on that .. it will help to the investors to select the fund not only the particular fund need to keep eye on Fund House Performance also ……..
Regards
Veera
estoreindia.in
Myself Vinay, a regular reader of your e mails. Am requesting you to make a detailed analysis on this firm, because so many people are getting membership of Rs.9000, and they are assuring to give 412 ₹ on fortnightly basis for 3 years and many more. Sir seen so many video on YouTube but am not able to convince at all…
Suresh,
Please review Creditbulls Jamnagar. They are offering incredibly high returns. As a Matter of fact I have already invested A small amount in their FD. Want to invest more in the future. I would like to know your thoughts.
Manoj
Dear Sureshji,
Thank you for your service in guiding investors in different fields. Recently I have come across firm “Adhiban.in” in Coimbatore during my search for a good FD.They are offering FD interest from 10 to 11.5 % and have interests in different fields also . But I’m doubtful about their credibility.Can you investigate and comment?
with regards,
vasudev.
Dear Sir For the DEBT -FD and BONDS Tyre-1 / TYRE-2 Bonds. Procs and Cons , where to purchase it and how better than FD and RISK Profile and Security of Inidan GOVT kindly given vision on this above topic
sir, you are missing one important update, google is paying money on task mate app where small people like us can do small small tasks and get money, plz review this sir, expecting good response
Sure Shoba, would do
Hello Sir,
Recently Flipkart started to offer online sale of Term Life Insurance with collaboration of Aegon Life Group Insurance.
They are offering 10L upto a maximum of 50L SI until the age of 50years…..
Is this group insurance also same rules as like individual online term insurance and is the Three year rule applicable for these group insurances? After three years of continued premium payment, fourth year onwards do they can repudiate any claims?
Kindly advise.
Thankyou.
Santhosh V. K.
sir, recently bharti axa wealth pro launched, is this good plan or bad plan, my family friend is pressurising me to take this. plz review, is this good or bad
Suresh sir, Bharti life insurance has launched wealthy pro, is this good, can i invest, plz review sir for me. ThanQ
Suresh Sir, In one of your old article, you have indicated that we can clone / replicate the investment strategy of experts. I want to invest in small priced stocks where Rakesh Jhunjhunwala has been investing in the last 3 to 5 years. Can I invest? Any analysis on this would help me. I am HIGH RISK INVESTOR.
Sure
Suresh sir, LIC jeevan uman is whole life insurance policy of LIC and no other policy in LIC. Plz help to review the features and inform me whether it is good for me.
pls suggest long term bonds, dividend stocks and REIT funds too
Hi
Please guide me for this plan – Bajaj Allianz Life – Flexi Income Goal – ULIP – should I opt it or not.
I am confused
Pls put a topic on early retirement around age 40-45 with family of four as it will help many people. I have a calculator and might be helpful for lots of users, so when you write the topic do let me know so i can share
Hi Suresh
As suggested by you, mentioning the topic to be written
“Early Retirement“ for people in Age 40-45 for a family of four. I have prepared a calculator and let me know when you write this article to can share the same for other users benefit.
I learnt that insurance companies have raised the premium due to covid-19. Still some may not have raised the premium. Please research and write an article in this regard so that customers can be benefited.
Sir, Yesterday i have seen in TV that Yes bank is offering 7.25% FD scheme along with coronavirus free insurance cover. sir, during this time when something like this is good right, can i apply for this or is there any gimmick this bank is playing? pls reply sir
Sure Arpitha. Would cover this as part of article instead of responding to you
Sir,
Many thanks for your valuable research.
Pl. write a topic on how to invest in BITCOINS as, many investors are very much interested to know the details about it.
Do the needful at your earliest.
Sir,
Many thanks for your valuable research.
Pl. write a topic on “F&O” segment as, many investors are very much interested to know the details about it.
Do the needful at your earliest.
sir, please write down on icici freedom sip. i read that this scheme would help achieve goals fast fast
Dear Suresh,
Greetings!
I have been investing in few MF schemes direct option, via SIP mode from past 5 years. Have entered these schemes directly via their AMC website. I have sold some in between, switched some etc.
How to check my real time returns? We do get monthly statement from NDSL, CAMS etc which shows returns but is there any website where i can map my MF portfolio via PAN Card or CAMS or NDSL statement where it can show me returns from time i have started investing? I have MFU utility account but they do not show how much returns i have got but only consolidated holdings.
Regds,
Dear Suresh, Greetings & Good day. Thank you firstly, for all your useful information which I have been following regularly. I would like to know more about the “Tax-free Bonds”. Thank you.
Normally we buy MF and redeem it as per our goals.
Let us know shoul dwe periodically redeem MF on frequent intervals for good profit booking
Let us know MF redemtion strategies if any
sir vadu, i want to become LIC agent in Hyderabad. Please tell me how to apply and i get good commissions and salary benefits.. if LIC agent is not good, can i become insurance agent of icici or sbi life?
If person want to buy house how much corpus he should keep for family . How much loan he should take from the Bank .. what precaution should take .. Can you please guide .
Hello,
Please write for DHFL fixed depositor and NCD holders.
What form FD depositor need to fill and what form NCD holder to fill for Insolvency Resolution Process.
What they need to do?
Please suggest me best play school franchise in India.
Hi, I am a follower of your posts. Can you explain step by step procedure to Buy / sell IPOs.
Hello roji, There are only 3 steps 1) Open Demat account. If you already have one, skip to next 2) Read IPO analysis and pick-up good IPO 3) Login to your demat and trading account and place order. When you do this, you may need to have money in bank account (approx Rs 15,000), select the share price (mostly it would be higher price band) and the Qty. If you are retail investor, you cannot invest more than Rs 2 Lakhs to get allotment in IPO.
Small idea is very good, but if you provide the detail how to start from zero, because those who have no business background they do not know how to start any business.
Means starter problems.
Regards / Rajiv
Please suggest best mutual funds to invest in limp-sum.
Dear Sir,
Could you please write on best mutual funds for lump-sum investment for 5 years to 10 years view.
Thanks
Suggest a good portfolio manager. I was using ET portfolio for last few years. Now a days it is not working properly. I am expecting options to add stocks and mutual funds. It should automatically calculate income tax and show current price of stock/MF scheme.
hi Suresh, please give guidance on best way to invest and benefit from gold. And also please suggest stocks to invest for short term and long term. Plus guide on how to do trading without making losses. thanks & regards
Suresh Ji,
Please write a article about Bank bonds investments. with detailed steps whether NRI eligible to invest or not ?. if yes, how to do it online by icicidirect.com?
please write.
we are waiting
By
ur blog’s NRI follower.
Thanks.
Dear Sir,
Could you please write on best mutual funds for lump-sum investment for 5 years to 10 years view.
Thanks
Please write about NRI investment in NCD/bonds
Hi Suresh,
Please write about the new ‘repo-rate linked home loans’ and how beneficial is this compared to MCLR for exiting and new barrowers
Sir, I feel Peer to Peer lending & it’s emergency as a new, fixed income asset class should be featured. It is RBI regulated and seems like a good diversification opportunity for retail investors who are looking to generate monthly passive income with better yields and no market linked volatility. There are few RBI recognised NBFCs offering this asset class. While credit risk exists, large scale diversification enables good risk mitigation as well for investors. Thanks.
After reading sheesh article, I just rang up my share broker Geojit and asked them to buy the motilal ETF from the share market.
Simple.
Hi Suresh,
Kindly write an article about ” ETF’s ” after the trade war our international shares are bit higher.
kindly provide a knowledge how to invest in international shares or ETF’s (Eg: Mothilal Oswal NASDAQ ETF) from India.
Sirji, Please post about reliance nv20 etf fund good to invest or not. it gave good returns while other index funds declining
Suresh Ji,
Kindly please write a article about “Bank bonds”. How to invest, NRI can invest or not, is it safe, how much the return would be, step by step procedure to invest online, etc..
the reason I’m asking this is, due to recent YouTube video trending about this by a investment adviser. so, many people are looking for this investment details. it will be very useful for us if u write. thanks in advance.
Hi Suresh,
Could you please make article about “Basics of stock market” & “How to pick good stock”?
Thanks!
Deepak p
Mr.Suresh, I keep hearing from your articles about Alpha where i can get good returns and beta version is where risk is zero. pls help to highlight good mutual fund schemes that has very high alpha and zero/low beta schemes
sir, mahindra finance fd schemes are offering upto 11%, i know it is good brand. you are not covering this article. i have 10 lacs. plz review this and inform if i cn invest
Hi Meenakshi, I just posted this article today
Dear Suresh, I am regularly following your blogs and thank you very much for sharing your analysis. Can you post some information about perpetual bonds with pros & cons, Regards, Manoj
Hi Suresh, Your website is very informative. I was searching for an article on tax saving by forming an HUF. Can you please write an article detailing the process of formation of HUF, sources for initial funds, gifts to HUF, existing property transfer to HUF, PPF deposit of members by HUF (including minor child) etc. Regards, Parag
Can you write an article on fundamentals that should be considered before investing in insurance based stocks like SBI life insurance/HDFC std life insurance etc?
This seems to be a big market as we have maximum 5% of indian population subscribing to any kind of insurance. This will grow eventually. But what will happen to the business?
Please share best travel card comparison
Can you please write a post about the various ETF’s (Exchange Traded Funds) available and what is the difference between an ETF, liquid ETF and Mutual Funds.
Hi Sir, what is your views on cryptocurrency and it’s legality in India ????
Hi Suresh, request you to please publish your views on Cryptocurrencya and its investment.
I want to start a preschool business. I checked bachpan, junior Kidz, but looks i cannot have my own brand anywhere. I checked Kreedo Preschool. They provide support only, but it is not franchise, means i can have my own preschool but with support from Kreedoo. Please review
Please compare smallcase vs mutual fund. Which is best to opt??
sir, SBI grp is offering sbi health insurance plan, can you please review this insurance policy
sir, you are always comparing value research or crisil for ranking, but morning star does gold rating. give me your view about gold rated mutual funds from morning star
Hi Suresh, Please help us with some investment plan where we can invest at a minimum amount and get whole amount around ~ 10 years span which may be helpful for children education kind.
Hello Koteswara, Please read this article which talks about some of the best mutual fund schemes to invest for child education. If you still have query, I can always here to help you. https://myinvestmentideas.com/2019/01/best-mutual-funds-to-invest-in-india-for-child-education/
Hi Suresh, its been a while you have published an article about the Best Hybrid Equity Funds. Your last article was published on July 30, 2018 – ‘Top 10 Aggressive Balanced Mutual Funds to invest in 2018-2019’. Please publish a latest article for 2019.
Hello Suresh,
Could you please share your thoughts about Kuvera, MF investment platform and their app ?
Regards
Venu
Hello Suresh,
Can you please revisit Best PMS services in 2019? Last time you did this in 2017.
https://myinvestmentideas.com/2017/11/best-portfolio-management-services-pms-in-india/
Hi Suresh, can you please provide your review of the ICICI Pru Signature ULIP plan. It’ll be helpful to look at the comparison of the top 5 ULIP plans in the market.
Thanks.
Request to throw some light on recent EPS scheme related ruling by supreme court on opting for full pension
Sir,
Can you pls give some tips on:-
1) Comparison between RERA and Consumer Court for beneficial redressal of customers who are receiving end of builders
2) Planning for family finances at different age profiles, children’s education, insurance, health plans and the concept of Net Worth of Individual and family.
3) Nomination, especially relating to WILL or Power Attorney, then Bank A/c, Mutual Funds, Shares, Gold, etc
4) Bank Lockers rules, liabilities etc and insurance of items kept in bank lockers
I went to your link “Suggest a Topic” but could not understand as to where I have to input the data (since there was no such facility). Hence this mail.
Thanks and regards
Hi Suresh;
Since last 1.5 to 2 years most of MF are giving no returns in contrary market has saw at least 2 to 3 Cycles & definitely this highly paid smart people had gain from this Cycles as was sitting on Cash, but why its not reflecting in NVA, even though market reaches High there NAV are low.
Are this people looting common people is this another scam as there Fund managers salary are in Cr’s nothing is coming to common people.
ICICI Retirement Fund and ABSL Retirement Fund are opened now. Are these good for investment, please tell me sir
I’m passionate about being updated on recent IT and business technology innovations. I was wondering if I could get an opportunity to post one of my written piece on your site regarding any finance topic based on your niche. I believe, I can add value to your site by my writings. If you’re interested in this ides, please get back to me and i will come up with an article idea.
Sure. You can send the article to suresh@myinvestmentideas.com
Hallo Suresh Sir, Actually I have one query about The Yoga Instructor which is one of the low investment business that u have listed out. So can u plz advise me where could I complete this certified course ? Thank u.
How to analyse portfolio and take decisions on rebalance/redeem
Hi Suresh,
Hope you are doing well,
Could you please advise some stocks (10-15 nos) to invest during 2019-2020 year.
And also Can I request you to please share Some stocks (10-15 nos) which we can hold for long term (5-10 years) which will good for future.
Some days before I have requested same under another topic…
Regards,
Jatinder
Hi, Thanks for the initiative. Looking for your opinion on Best Critical Illness Health plan. Its advantages, disadvantages over regular health insurance. Also put some light on possibility of taking stand alone policy or merge with any other policy.
Mutual Funds can be Opened Directly through AMC aslo through Any finance Company which deals all type of MF with in one umber-la Which is good if we are selecting through long term investment. ( Direct purchase of MF or through some agency like finance corporation) ?
Difference and Long term benifical or loss due to some commission rate
Mutual Funds can be Opened Directly through AMC aslo through Any finance Company which deals all type of MF with in one umber-la Which is good if we are selecting through long term investment. ( Direct purchase of MF or through some agency like finance corporation) ?
Difference and Long term benifical or loss due to some commission rate
Dear Suresh,
Could you please advise or publish a new list for 2019…of Midcap stocks
Thank You
Jatinder
maturity On MF is taxable ? I heard only Equity are exempted from tax ? Please make a List of Fund type and year on which no tax will help to maintain that many years to get the tax relief.
Same as above for the maturity on LIC claims to get the tax relief?
in Mutual funds Investment is for wealth creations or Goal planning or retirement planning,but when market turnmoil lots of profit again goes to market.
How to book profit and what to do with profit amount.
equity to debt nd again debt to equity,eqrly indication or any formula.
Pl.write on this issue,may be help lots of your readers.
tax savings for govt. employees
Sir,
I invested rs 2000 per month in Tata Aig whole life midcap opportunity in ULIP since
Jan 2011. Current profit is 88% of investment or 15% yearly return.Now agent saying do partial profit or withdraw from scheme. Kindly suggest what to do. Also he suggested to invest now in kotak smartlife yearly 100000 for 8 years with reinvest option.Will get decent return.
Hello Rahul, You made one mistake of investing in high charged ULIP. Now don’t make another mistake. First try to exit from such ULIP. If you still want to continue for another ULIP, look for zero charges / low charges ULIP plan and invest. Alternatively you can invest in other investment options like mutual funds or bank FDs. Don’t burn your fingers one more time by going what agent says
Sir,
I invested rs 2000 per month in Tata Aig whole life midcap opportunity in ULIP since
Jan 2011. Current profit is 88% of investment or 15% yearly return.Now agent saying do partial profit or withdraw from scheme. Kindly suggest what to do. Also he suggested to invest now in kotak smartlife yearly 100000 for 8 years with reinvest option.Will get decent return.
SEEKING GUIDANCE FOR EXIT OPPORTUNITY
DEAR SIR,
GREETINGS OF THE DAY.
MYSELF VINAY,NOWADAYS MOST OF THE PEOPLE ARE SAYING THAT IT WOULD BE BETTER TO BUY PURE TERM INSURANCE AND AT THE SAME TIME GOOD TO INVEST IN MUTUAL FUNDS VIA SIP OR STP. WHICH MEANS WE ARE NOT SUPPOSED TO MIX INSURANCE WITH INVESTMENT.
I HAVE PAID 3 FULL YEARS PREMIUM OF ,
JEEVAN ANAND
NEW ENDOWMENT
CHILDRENS MONEY BACK POLICY
BOUGHT FOR 25+ YEARS TERM. IN THIS SITUATION HOW CAN I POSSIBLE MAKE EXIT FROM THESE TRADITIONAL POLICY…?
AND IF I STOP PAYING REST OF THE YEAR PREMIUM WILL I GET ATLEAST PAID PREMIUM PLUS LEAST 6% INTEREST FOR THE YEARS WHICH I KEPT IN LIC…?
Hello, you need to approach LIC branch to know how much returns you may get. It would be approx 5% to 6%. But before that consider a good term insurance plan and then proceed to LIC to surrender the policies.
Sir, I am the employee of SBI. I am investing in couple of funds in SBI Mutual funds. Pls blog an article on some good mutual funds from SBI. I want to invest Rs 500 per month in each of those funds. Thank you and god bless you
Sure
Oil PSU companies have published ad for petrol pump dealerships. Please share your feedback about it. Specially as an investment, it will be very much helpful for readers like me.
Dear sir, regards.
I want to understand one thing.
in category of mutual funds , there is a category of large plus midcap funds. is it worth investing? any advantage or disadvantage of it as compared to separate large cap and separately investing in midcap fund? iif yes ,then can u suggest some best funds in this category?
good Point OmPrakash. Would do that next week
Dear Suresh Can you write a article about msme loan scheme(how to apply, eligibility criteria, adv & disv)
Please write about the best time to invest in corporate bond or credit risk funds.
Thanks in advance.
Bhaskar.
Can you please review LIC Jeevan Shanti plan which is a guaranteed pension plan. Also, if you can compare this plan with other similar plans like HDFC guaranteed pension plan, it will be very helpful.
My topic not related to Investment. If you can explain about the below Topic, it will be very much helpful to all the people. Reason for me to selecting the topic is recent Flood in Kerala. Lot of people has lost their house and all house hold assets. All are constructing houses with crores of cost. But they are not ready to insure their home/ assets. Now only lot of us are aware that there are insurance coverage available for such issues. So can you study this matter and suggest some insurance companies and procedures related to this matter.
Topic : Insurance coverage for House and house hold items.
Your insights ob
1. Real Estate Capital Gains, all expenses that can be deducted,,,specifically family loans where document is absent(normally), tax exempt instruments, new rules, etc.
2. Your insight on trusts. You mentioned that Trusts don’t have short term capital gains…can monies be withdrawn without tax?
Dear Mr. Suresh,
Looking at rupee fall, what are opportunities for Indian investor in the market please ?
Thanks,
Nitin
provide your view on AXIS RERA Opportunities fund
Provide your view on SBI ETF SENSEX NEXT 50 NFO.
Hi Suresh,
I am a regular reader of your IPO Analysis, and they are of great use and thanks for those analysis.
Here, I wanted you to write a blog on industry senerio of petroleum coke(pet coke). Tried to research on net but did not get full information and understanding.
Below are the things i am looking for in the blog:
1.Diffeent types of MAJOR pet cokes and their industry usage and senerio.
2.Future senerio on CPC(calcined petroleum coke), Goa carbon Ltd and it's peers.
3.Effects of supreme count ruling to ban pat coke imports(if pet coke is being used as fuel) to India.
4.Only needle coke can be used in Lithium ion batteries and Grapthite electrode production or Is thir any role for CPC(calcined petroleum coke) also in this.
5.Future senerio on Needle coke and it's producers in India if any.
6.Future senerio on Graphite electrodes demand(Mainly in View of HEG and Graphite India).
7.Views on Green Coke/Raw Coke which is used to produce CPC(calcined petroleum coke).
8.Views on Lithium ion batteries vs Aluminium batteries.
Thanks in Advance!
Analysis on Equity intelligence firm (Porinju) based in Kochi. Two available schemes: Portfolio management and Alternative Investment fund.
A post about the pros and cons of credit cards and the review of the best 10 available in India shall be useful to a lot of middle class salaried people.
Hello Suresh Sir,
As you know right now Mid cap and Small cap stocks crashed badly reaching lows day by day. From now to next year, it is a good time to accumulate good quality stocks in small quantities in every dips. Considering the current situation, can you please write an article, on high quality mid caps and small caps which you watch and has a potential to give multibagger returns in the coming years?
Thanks,
Srimanth
Hi Suresh,
I am a regular reader of your Blog. its very informative.
I want to know about Pravasi KSFE Chitty (Govt. of Kerala) how is works, what is the minimum about to invest, its weekly,monthly or yearly payment, How to redeem our investment, what would be the interest.
Kindly mail me full detail about Pravasi KSFE Chitty
Regards
Ratish
Please make an analysis on ACE(Advice on combination of equities)( cash and derivatives) by motilal oswal. It has been launched recently and claimed to have good returns. It is totally A.I based recommendation and follows momentum strategy for stocks.I think it would make an interesting topic for further discussion and expert comments from you.Please also mention which of the other two is better from each other Thank you.
Sir please request you to please make analysis of motilal oswal newly launched ACE (Advise on combination of Equities).It is a robo advisory but buying stocks and selling as per momentum.Please suggest the pros and cons.There are two ACE-CASH and ACE- DERIVATIVES.Please mention which of the other two are better.As always looking for your expert advise.Thank you
Dear Sir,
I am NRI, staying in Germany. Is ACE cash product available for NRI? Do you know any NRI investing in this ?
Dear Suresh,
I am looking for top 5 best balanced Mutual Funds for investment (more than 5 lack) for duration of around 10 to 15 years. On internet, I can see there are many suggestions on equaty Mutual Funds, but very few suggestions for balanced Mutual Funds. Your expert review can help people like me to select perfect Mutual Funds.
I would like to know about Reliance Nivesh Lakshya Fund which was launched recently. Many are suggesting that if one has surplus amount with low risk taking capability this is a much superior product in debt category. How is this different than any long term debt fund? What are pros and cons? Say if one want to exit before 25 years but with interest rates increasing. How to make an informed planned exit even in a long duration scenario?
Request to recommend Stocks to pick (or areas like Textile, Automobile) when rupee falls
Dear Suresh,
Please advise on NFO TATA VALUE FUND SERIES 1.
Thanks
Nitin
Hi Nitin, This is close ended fund for 3 years which invests in diversified portfolio of stocks. For such investment objective funds, you should invest in open ended schemes as we do not know how stock markets would perform in 3 years period.
Can you pls compare investment in real estate vs taking house on rent. Especially does it make sense to go for a second or third real estate investment. What are the tax benefits vis-a-vis rented property?
Dear Mr. Suresh, Kindly guide us with your expert comments for below fund:
http://www.tatamutualfund.com/our-funds/close-ended/equity/tata-value-fund-series-1
Tata Value Fund Series-1
varroc ipo is coming up. i know you will be posting the details. also please post the grey market price and also its price to book value. your ipo posts are really good to read
Hi Suresh,
Can you please review Bharat 22 ETF…
considering the fact that an FFO is opening on june 19th 2018 and the fact that the ETF is giving negative returns as of now, your advise would be meaningful in an urgent basis.
Sure Rejeesh, this is being posted tomorrow
Hi Suresh,
My monthly take home is 1.35 where as I need 60K for my family expenses. Can you please suggest how can I invest around 70K per month with TAX saving benefits.
Thanks,
You can invest in Tax Saving Mutual Funds to get tax benefits and grow your money. You can refer this article about tax saving funds here https://myinvestmentideas.com/2018/01/top-8-best-elss-tax-saving-mutual-funds-to-invest-for-2018-2019/
I suggest you write an article about RuPay Debit & Credit Cards being issued by various banks. You may be aware that it is home grown payment system competing with the likes of Visa & Master Card. People, mainly those in the cities are not aware that they can do a lot of good for the country by opting for RuPay cards. If a writer like you, who has a lot of following writes about RuPay Cards it will certainly help.
Hi Suresh, can you write a detailed plan, for someone who is at a fulltime work and wishes to TRADE for a living? I mean, how to systematically plan and START TRADING (DAY or Delivery method or BOTH), so that a fix set of monthly / quarterly income can be met, which can then replace the fulltime work / salary? I am pretty sure, there are many folks out there, who are building their knowledge on TRADING, but need proper guidance on how to go about this, systematically, Step-by-Step. Thanking you in advance.
Dear Sir,
Your view on Adani Green Energy Limited IPO
very limited info is available as of now. When we have full info, we would provide analysis about this IPO
Good morning suresh, aditya anaga is providing fixed deposit schemes where it offers 10.5% interest. Also you can triple your money in 10 years. I feel this is an excellent scheme, but I feel there is risk involved. Can I invest in this scheme. Pls provide pros and cons and mail me whether i can invest in such schemes.
Hi Suresh,
I need an article on the topic “How many funds we should basically keep in our portfolio”
Sure Arun
Hi Suresh,
Thanks a lot for providing time to time information on different investment options. I am looking to buy Kosamattam Finance Limited bonds. Could you please write an article on Kosamattam Finance Limited bonds.
Thanks,
Saikat
Hi Saikat, I already wrote Kosamattam finance NCD issue last month which is still open currently. There is no new NCD of Kosamattam other than that.
Please consider putting your thoughts on pros and cons of buying annunity and immediate/deferred annunity plans. Please review HDFC Life Pension Guaranteed Plan and whether it makes sense to lock down interest rates by buying the plan at an early age.
Hello Sir,
Request to share your thoughts on Stocks that can be considered Post budget 2018.
Thanks
Sivaraman V.K
Hi Suresh,
First of all I would like to thank you for your invaluable advises and service to the globe with appropriate information at appropriate time.
I have a suggestion for “Suggest a topic” initiative. I am not sure if you have published such an article as I could not find it in the last 3+ years since when I have been reading your blogs.
It is “various retirement plans”.
As you are aware, especially in the private sector and in this IT world, people are behind luxuries, comforts and spending hefty amounts towards schools fees, movies, restaurants, trips etc.., while knowing the fact that there is no income after retirement.
So with your matured command over the money markets, request you to shed light on this topic and suggest us the suitable plans as per the amount we can spare so that one’s life becomes independent even after retirement.
Regards,
Prashanth
Hi Suresh,
Thanks for sharing your thoughts on all financial aids scatter for all levels of investors or viewers.
I need your inputs regarding long term savings for my kid. I would like to save whatever free money i have for my child’s future. I need this money when my kid reaches her age of 25-30. Currently my kid is 7 years old.
I already opted for Sukanya Samrudi Yojana. I need any other options with better returns with no risks. I hope FDs are not better options.
Can you please suggest better options for my requirements.
Thanks,
Uday
Hi Uday, good to hear about you. Since your son is 7 years old and you need money only after he reaches 25 years, you still have 18 years time frame which is very good time to invest in long term investment options. You should try for mutual funds. Since you are new, you can start with balanced mutual funds which are low risk compared with other equity funds. You can invest in 2 funds like HDFC Balanced fund, Tata Balanced fund, ICICI balanced fund etc., to start. Later you can check diversified funds or large cap funds and invest as low as Rs 500 per month. All the best and convey my wishes to your kid for his bright future
Hi Sureshji,
Can you please write an article on ‘Taxability of MFs’ covering STCG/LTCG for Equity vs debt funds. The article may also cover, how to know capital gains statement, and how to fill the capital gains in the ITR form while filing. As we are nearing end of FY17-18, this will help many readers like me.
Thanks,
Yes. Need some guide to fill the ITR for NRI also.
Hi Suresh,
I am planning to invest in Close-ended equities in the following funds
ICICI Value Fund – Series 19 Cumulative for 1262 days
ICICI Value Fund – Series 20 Cumulative for 1210 days
Would you recommend to invest in the above funds as i have been already investing 25k pm in Mutual Funds.
These are close ended funds. Why you want to invest in closed ended funds? What happens if stock market goes down during that period. Your fund manager would not have any choice except to sell at loss and come out. Hence I always prefer to invest in open ended funds unless there is some uniqueness in that fund
Thanks for your reply !! Actually, one of the investors suggested me to invest , but i was in a dilemma.
Is it feasible to stay invested in NPS ? I have nominated in both Tier 1 and Tier 2 Auto aggressive category but was really confused on the benefits/merits of staying invested in NPS until retirement.Please suggest
Yes Manoj. You can stay invested in NPS.
Respected Sir,
I am reading your blog regularly and u r doing Very Great job,My Father is Retired now and he get his gratuity and other benefit,so he want invest 15 lakh,so i want advise from you that will get good return from my father hard earn money.
Thank you
Sanjay
Respected Sir.. Pranam..
I am regular visitor of your site, and i really want to thanks you a lot for your true valuable advise and suggestions. I have gone through lots of web portals for various research but personally i feel that, you are different and special..
Sir, my query is that, i am a salaried person and earning around 40000 per month. I have spent a tough time in my child life so i want to save something for my daughters education and her marriage as well as for her good future life. I want to start SIP for my daughter who is 5 years young. I have selected few options based on my personal research and here again i have taken a lot input from your site too. My horizon is long for 12 to 15 years and because of that i want to invest in aggressive portfolio so i can get good returns. My selections are as mentioned below. Please go through it and advise me accordingly
1. Kotak Select Focus Fund (Growth) – 1000 Per Month
2. Motilal Oswal Multi Cap 35 Fund (Growth) – 1000 Per Month
3. HDFC Midcap Opp. Fund (Growth) – 1000 Per Month
4. Mirae Asset Emerging Bluechip Fund (Growth) – 1000 Per Month
5. Reliance Small Cap Fund (Growth) – 1000 Per Month
6. Franklin India Small Cap Fund (Growth) – 1000 Per Month
7. L&T Emerging Business Fund (Growth) – 1000 Per Month
8. SBI Small & Mid Cap Fund (Growth) – 1000 Per Month
9. Kotak Emerging Equity Scheme (Growth) – 1000 Per Month
Please advise me in this regard. I will be highly obliged to you.
Thanks & Regards
Yash
Good mrng yash sir, u are investing all money in equity schemes.. Some of them in small caps too.. You have to diversify ur investments. Cant keep all the eggs in one basket.
Dear Sir.. I am equally investing almost the same amount in PPF & I am also contributing in NPS Tier I Account. I want your advise regarding equity investment. Please advise me regarding my above selected funds.
Regards
Yash..
Hi Suresh,
I have been regularly following your posts. Can you start service to send SMS alerts on any new posts and short summary. It would be immensely helpful.
Hi,
currently i invested in
Franklin India High Growth Companies Fund GROWTH -500 rs from last 3 years. ( looking for long term for 10 years
Franklin India PRIMA PLUS – GROWTH-500 rs from last 3 year (looking for long term for 10 years)
Franklin India PRIMA PLUS – GROWTH-500 rs from last 3 year (looking for long term for 10 years)
HDFC Balanced Fund – Regular Plan – Growth-500 rs from last 3 year (looking for long term for 10 years)
HDFC Prudence Fund – Regular Plan – Growth-500 rs from last 3 year (looking for long term for 10 years)
Pl suggest whether I should hold or redeem the funds and switch to another funds.
Thanks,
Vaskar
Good funds. You can should continue to invest unless you are in need of cash
Many many thans!
Now HDFC Prudence Fund is #3 in CRISIL rankings and it doesn’t look like a good option to invest. I would like to switch this SIP to HDFC Balance Fund.Can you plz suggest me.
Could you please advise whether I
Don’t worry, it is good fund. you can continue to invest
Hello Suresh, could you please publish your view on market linked debentures.
Thanks in advance.
Which is better – growth or dividend reinvestment?
I had recently invested a large sum of money in equity mutual funds and had to redeem due to a lucrative business proposition. I understand that investments in equity mutual funds are for a long term but isn’t dividend reinvestment a better option considering that one can withdraw investment amount (capital amount) from equity mutual fund in less than a year leaving the gained units in the folio which would mean that there would be no capital gains tax.
Isn’t it a more convenient option for people who may need money at any point in time?
Also isn’t it better option if one wants to withdraw from a not so well performing fund if the investments made in that fund is less than a year old?
Are the tax implications for growth and dividend reinvestment plans different from each other?
Kaushal Kumar
Ranchi
Which is better – growth or dividend reinvestment?
I had recently invested a large sum of money in equity mutual funds and had to redeem due to a lucrative business proposition. I understand that investments in equity mutual funds are for a long term but isn’t dividend reinvestment a better option considering that one can withdraw investment amount (capital amount) from equity mutual fund in less than a year leaving the gained units in the folio which would mean that there would be no capital gains tax.
Isn’t it a more convenient option for people who may need money at any point in time?
Also isn’t it better option if one wants to withdraw from a not so well performing fund if the investments made in that fund is less than a year old?
Are the tax implications for growth and dividend reinvestment plans different from each other?
Hi Suresh..I also have the same question regarding growth option and dividend option in mutual funds
Dear Sir,
I am regular reader your blog. Please write article for the personal investment overall asset allocation.
I am A NRE- and my overall asset’s, I have already invested 60% in the share market. Remaining amount i have in bank FD’S and little in land’s. Right now I am confusing wherein my investment right path of or not. Sometime my wife saying that in case share market fall down any global war condition or any other volatility we can loose all of our money in share market like that. So I am think that if anything happen like that how people are want keep to their asset’s with balance.
Please I request you, Kindly write (Advise) article for that one.
So everyone can be aware about it.
I am really thankful to you for the such as good awareness message and very good service & your time.
Best Regards,
Dominic.V.K.
About- how to get maximum probability for allotment of IPO
Hi Suresh,
Me and my husband both have insured ourselves with term plans. But we might both plan for our higher studies or other career path in may be another 8-9years and may not be in a position to keep paying premiums for our policies. My question is what are the limited premium paying term plans in the market? Can we convert our existing policies wherein we pay the premium for another 25 years to 10 year premium paying plan? As i understand the premium would be quite high but do we get any other bonuses for such plans? We are not looking for tax advantages here as we invest in other ways to claim deduction under 80C and term plans are purely for insuring our lives.
Hi suresh, such a best and solid info im getting online via this blog. Thank you man.
Shall we know about this plan “ICICI Prudential Elite Life Super”.?
An icici agent urging me for this plan to invest of 1L or 2Lakhs/yearly. They promising will get atleast 10-14% of returns yearly. But while i read many reviews online about this , there are lot of FMC charges & locks which are untold by those agents. For your info : visit to iciciprulife.com/ulip-plans/elite-life-super-plan.html. have a look on pages 25,26 & 35. Seems they deducting lot of money from my premiums & end up giving me 10-14% from my remaining premium. haha – I feel laughter&laughter..
Overnight investment
Any ideas where I could park my funds for a week? I’m waiting for some IPO release but I miss calculated and got my funds a week earlier… BNP Paribas has a midnight fund tho returns are low..but it’s better than sitting in the account.. could you advise?
Thanks!
Nisha
Hello Suresh Ji,
I am a regular reader of your articles, kindly write about LOANS, (Home Loan, business Loan, Personal Loan etc.)
Which bank or financial institute is better in (Lower Int. Rates, Lower Processing Fees, Hidden Charges etc.)
And most important parameters to get loan easily, quickly and hassle free.
Thanks in Advance for your efforts.
Hello Sir I didnt get a reply from your side.
Sir,
lot many things going on cryptocurrency
pl. suggest best cryptocurrency trading platform in india
Hi Suresh Ji,
Only 3 days for new year.
So, Can u kindly suggest us few best stocks to buy in this new year for long term investment please?
Hi Babu, I already wrote about some of the best blue chip stocks to invest in 2018. Here is the link;. https://myinvestmentideas.com/2017/12/top-8-best-blue-chip-stocks-to-invest-now-in-2018/
Hi..I read your article it's really good. I was searching about freelancing. How a freelancer can save his tax if he is earning above 9 lacs per annum. Can you write an article on that
Hello sir
I am your always reading ur each and every article keen and carefully. Today I would like to suggest you a new topic. Can you please suggest about good medical insurance plan which includes test tube baby treatment (Usually its called as IVF) as this treatment is costs nearby 2 to 3 lakhs for per cycle which can not affordable for aam aadmi. And doctors can not give any guarantee whether 1st IVF cycle would get success or further more. So is there any plan regarding IVF?
Rahul, Pune.
suresh sir, one new mutual fund scheme creating buzz……. plzzz write on this tooo….. Mahindra Unnati Emerging Business Yojana….. you are too good for small people like me, i invest Rs 1,000 from SIP. inv or not???????
Mallaiah, title in your name is something interesting, you can become rich in next 3-5 years? I am classic example. It is not impossible to become Rich, but it is achievable with some disciplined approach and savings. I just messaged on your gmail ID, we can connect once you provide your contact no. if you are interested in achieving the goal. Regd mahindra NFO, I am already writing this, should get published next week
PLEASE WRITE FOR THE FOLLOWING TWO TOPICS:
IDBI SMALL CAP FUND?-SHOULD YOU INVEST?
RBI VARIOUS GOVERNMENT BONDS FOR GENERAL PUBLIC-FEATURES, PURCHASE PROCEDURE & FROM WHERE YOU PURCHASE
Please intimate the record date pf interest payable on ncd which issue in feb 2017 srei infra ncd
Dear Sir,
Could you please advise on mutual funds for lumpsum investment with 1 year, 3 year and 5 years view for different risk types. This will help retired people who receive lumpsum amount on retirement and looking for higher returns. Thanks.
Dear Suresh,
Can you please review and advice us on recent threat about FD deposit by FRDI bill
Renga, it is being posted on 22nd December. Thanks for the request.
Thanks Suresh.
Hi Suresh
Could you please suggest some ultra-short term(3 months and less) investment options (moderatly high risk)?
Thanks
Mutual fund
Dear Sir,
Can you please analyse the new ULIP of ICICI Pru – AAA Fund, launched in Jun 2017? Is it like the earlier ULIP – “wealth protector” ? You had blogged about it on 17 March 2014.
Request to share insights about FRDA bill to be passed….Lot of pessimism being spread about that
Sure
Hi Suresh,
Would it be possible for you to englighten us on Bitcoin and the scenario of cryptocurriencies india? Should we invest or just wait and watch?
Thanks/Hemant
Dear sir
Please give information on bitcoin and crypto currency investment.
Hi Suresh,
First i am Thanks you very much for your bloging site.
Could you please write topic on cryptocurrency, paticularly on Bitcoin.
Please suggest, if we can invest in bitcoin?
Hi Suresh,
Could you please advise on list of good MF to invest in lumpsum not SIP. say 1 lakh per MF.
Thanks
Could you please submit your reviews for Astron Paper & Board Mill Ltd IPO (Astron Paper IPO)?
Please review Edelweiss Tokio Life Wealth-Plus
sir, Union mutual fund came with Prudence Fund. Pls review this new fundscheme
sure
Dear Suresh, I regularly follow your articles and get valuable information and ideas regarding my investments. Can you please post some article with your views on GILT funds. Recently they are not performing as before and many funds in that category are giving negative returns in 3 to 6 months period. Your suggestion on this will be really appreciated.
Thanks
Sumit
Hello sir myself Sandeep Singh sir I want to invest sip plan 5000 per month but i nervous because I don't know what is the best for me sir I request for you please suggest me
Could you suggest me about this plan " 'Max Life Future Genius Education Plan"
Sir
My annual income is not above taxable income for individual.
I would like to invest 2000 rs monthly in mutual fund through sip.
Should I invest in elss or any other mutual fund.
Regards
an article about bitcoins……please…
Since bank interest rates are going down, can you please suggest an article about debt mutual funds in the present scenario where interest rates might not go down further?
Can you publish a review on IPO of ANI Integrated Services Limited and pulz electronics
Hi Suresh,
Its indeed a fantastic blog and the work you aree doing.
I wanted your opinion on the best Index Fund. As Warren Buffet puts it, for investors who dont have the time and skills to invest, best place to put money is into an Index Fund. Hence, want your opinion on which funds are the best Index Funds.
Also came across this specific NFO called DSPBR Equal 50 Nifty Fund where the Fund Manager tries to best the Nifty 50 benchmark index by allocating monies not in the same ratio as market cap of Nifty but more weightage in smaller stocks of Nifty which are growing more than the biggies which are growing more stable.
Please let me know your overall thoughts and help us shortlist the best Index Fund for a 7-8 year market cycle. I look forward to your insights to help passive investors who do not have the time and skills for market but can find a most reliable Index fund which covers up for the lack of knowledge/skills/time/money.
Thanks in Advance.
Regards,
Shashank Aggarwal
Dear KP ,
whats ur advise reg. investment bt SIP in Gold ETF &which is the best Gold ETFto invest pl.
Pls give comparative details of Medi-Claim policies, the pros and cons, coverage of critical illnessess, family cover and the best amongst all (value for money option)>
Dear suresh ji
i read your article and found it very understandable in simple way . i am suggesting if it is possible then please write also how to choose best mutual fund,stock ,like basic to pro all of stock market .so it will also help us to anyalise .i tried to found about this but nothing found or if you already have article regarding this
please give me the links so i can gain my knowldge.
Hi Suresh
Could you please do some research on public sector banks bad loans and which banks are at risk.
Thank you
Maven
Dear Suresh,
Could you please write something about the LIC E-flat scheme, something related to Jeevan Akshay.
Please find for me something as written.
Dear Mr.Suresh
I'm serious follower of this blog. It's really helped me lot. It's helping me to explore some new investement areas.Few days back i invested Rs.1L on newly issued "ICICI prudential sensex index fund (Growth)". What's your perspective about this investment? Should i really expect some good return from this invesment? How long do i need to hold this investement for good return? Your valubale kind suggesion please.
Regards
Rajesh
Hi Suresh
can you recommend few stocks that can be bought before / during diwali timeframe?
Please suggest for a starting invester (newbie) which broker account for buying shares and stock is best. i know about icici direct, please suggest some good alternative.
Prataap Snacks Limited IPO review please..
Sureshji
Please give advice about sbi dual advantage fund xxiv
Regards
Harsha
Suggesstion required for investing in Mutual Funds online (Not through D Mat account). Best options available.
Hi Suresh,
I am a big fan of yours, your blogs always help us to get best informations about many topics. I had read one blog about dividend mf but not understood much, is it possible for you to make it more simple and explain with an example, like if i invest 10k SIP every month in any divident mf, then how much i will get and from when??
Thank you,
Vinay gupta
Hello Suresh,
this website really helped me understanding investment strategy, I always invest after going through your review on any specific field. can you please also highlight your views on ETMoney, how safe it is, and is it really a good investment strategy, is it secure, i see returns are somewhere approx 30-40%, so not sure how much risk is involved.
Thanks
SBI life IPO review please
Thanks
Dear Sureshji,
Kindly share your views about Portfolio Management Services
Rgds / Manoj
Sure Manoj. It is there on my radar, would post in coming week
Dear Suresh ji,
I am glad that you share knowledge on various topics such as new IPO, Mutual Funds, Insurance. Thank you so much.
I would be glad, if you share 10 points which a person should evaluate any IPO issue (including SME IPOs). How to procure enough information about SME IPOs. People have made handsome returns in SME IPOs in last 2 years and I am the one who missed the boat. I want your assistance to help other audience in this platform to board the boat which is already in the SME sea.
Thanks a lot in advance. Look forward to hear something from your side.
Regards,
Atul
Hi,
Thanks suresh for the detailed explanation on your blog, and i would like to hear more about the Diamond Trading which recently catched up and would like to know good Gold ETFs for 2017 as you hear the North korea and US differences are growing up
Hi, I use to visit your website daily.. can you provide your views regarding capacite'e infraprojects ipo ….
Hi Priya, The analysis is on the way, expected to post in next 2-3 days
Hi Suresh,
I regularly follow your articles on investment. Can you please write an article on "Infosys buy back – Is it worth considering at the current price"
Thanks
Good Day Suresh,
Please Give ideas & analysis of India's Crypto currency ATC Coin, which is Popular now a days. Is it safe to invest in this ?
Hi Suresh,
DSPBLACKROCK sent a mail saying it will going to declare the return based on the “TOTAL RETURNS INDEX” instead of Price return.
My question is
1) There is any chance that MF schemes rating and performance will get changed.
2) Is DSP suggested is the correct way to calculate? is it true then,Until now what all MF declare performance and return is incorrect?
Regards,
Murali V
Hi Suresh,
Can you please write on Infosys stock buy back option? I am currently holding some of their stocks @1211 INR.
Thanks,
Veena
Hi Suresh,
I am a regular reader of your blogs. I am working in Qatar.
I would like to request you to write a blog on comparison of investing in Mutual Funds and Real Estate considering the current and future scenario.
Looking forward to see this topic to feature on your blog "Mutual Funds or Real Estate"
Market is in correction mode ,from 10k to 9.7k now. is this the right time to invest /
can you please suggest Best Equity stocks to invest now ? short term , medium and long term?
any mutual funds for 1-2 years ?
Thanks
Hi Suresh,
Please post an article regarding PMS ( portfolio management services) investment in India..are they provide better returns than mutual funds..pl provide some insight about the PMS..best PMS service provider in India..returns obtained through PMS sofar..etc..
Thanks
Regards
G SRINIVASARAO
Hi Suresh,
Please post an article regarding PMS ( portfolio management services) investment in India..are they provide better returns than mutual funds..pl provide some insight about the PMS..best PMS service provider in India..returns obtained through PMS sofar..etc..
Hi Suresh,
Please post an article on ETF, i. e. Arun Jaitly recently announced Power of Bharat -22, my doubts are like is it good to invest in this, if yes how to invest, what is government of india moto invloved in this, if you could elaborate more that would be really helpful.
Thanks,
Naresh.
Naresh, Already posted the article today, here is the link. https://myinvestmentideas.com/2017/08/bharat-22-etf-index-launched-should-you-invest/
Hi,
Please share details on new ETF from Govt – Bharat-22 exchange traded fund (ETF).
Hi Kumar, Analysis is READY. It is being posted tomorrow
Sir
Could you please write topic on Child Plan and which providers are the best.
Regards,
Shobhit
Bharat ETF 22 – review pls
Sathish, Readers points always taken. Analysis is READY. It is being posted tomorrow
How to respond to Income tax 143(1A) notice?
Hi Priyajit, I already posted on this topic, here is the link. https://myinvestmentideas.com/2015/01/what-should-you-do-when-you-get-income-tax-it-notice-us-143/
Hi Suresh
Please write an article about income tax on stock market gains. It will be helpful to many people like me. Thank you for your great work.
Suresh Ji,
please write about "Portfolio Management Service (PMS) ". and list of PMS service providers and which one is best? please compare MF and PMS. thank u Ji
Hi Suresh,
I have been reading your articles and I am very happy to see your unbiased opinion on various topics. My particular are of interest is investing in Mutual Funds (SIP). I skimmed through the topics, but I couldn't find a topic on how to start investing in MUtual Funds under SIP.
I am planning to invest 10K per month for a long term (say 7 to 10 years). I am confortabel in taking up high-risk high-returns category in SIP investment.
Could you please suggest me how I should distribute my 10K.
I see investment portals like ProserX and OROEALTH. While ProsperX provides free consulatation with their Financial Experts and investors are supposed to invest in regular plans; whereas OROWEALTH is artificial intellegence based and allows investors to invest in Direct funds (I think tere are some charges involved). Which one would be ideal for a beginne like me who would like to stay invested for 7 – to – 10 years.
Awaiting your valuable advice!
Thanks,
Prashant
Pls assist to review the UTI Nifty next 50 NFO
Sure Rajasekhar
Hi Suresh,
Please write about the Arbitrage Opportunity in Wipro buyback. CMP: 286 and buy back price: 320.
Got an email from icicidirect about this opportunity. Let us know your thoughts through a blog post.
Hi Suresh,
Can you please recommend which is the best medium to invest lumpsum at this point ? I am happy to have a long term horizon and aggressive profile for investment but looking for the best possible medium of investment.
I am already making a SIP investment but I have a lumpsum which is sitting idle and is it ok invest lupsum now in the mutual funds i am investing as SIP with 5 to 7 years horizon ?
Thanks Sethu
Sir….is it good to invest in tata india consumer fund….it is a new fund….
Hi sir
Recently I heard about bitcoin investment.. can you please provide your suggestion..
Thanks
Vignesh, I already wrote one article couple of months back, here is the link. https://myinvestmentideas.com/2017/03/what-is-bitcoin-currency-and-is-it-legally-valid-in-india/
Can you recommend me any good monthly income scheme ( MIS ) plan for my father actually..
Hi Suresh ,
Would you please write an article for the below topic ?
How to file income tax return if I have two Form-16 from two different companies ?
Read your health insurance blog.. useful tips.. can say about importance of term plan and best term plan
Thanks
Hi Suresh, lately I have been getting a lot of mails indicating the possibility of depreciation of US Dollar and appreciation fo chinese yuan in the coming months. Would you please elaborate on the same and also elaborate on it's impact on indian market.
Hi Sir,
Please suggest about pharma mutual fund. should we do sip in pharma mf? best pharma mf?
Dear Suresh
Thank you for your valuable ideas on Financials. Is it possible to provide your views on PMS. Like advantage, disadvantage, list of available PMS, which one is best. etc.
Suggest few small cap stocks according to der q4 17 results as u did for midcaps and dey wer bang on target…thank you for the suggestion…I do follow you ur website very closely..
How to enroll for Jeevan Pramaan – Online Digital Life Certificate?
Hi post GST which are good companies where I can invest
Dear Suresh,
Kidnly porvide your views on current home loan rates especially for Home loan borrowers as per base rate. Is shifting from base rate to MCLR model is advisable?
IPO subscription Tejas network,ERiS life science,CSDL subscribe or not
Vignesh, Tejas network IPO analysis being published on Thursday morning. Others would follow as soon as we get good amount of information.
Thank you sir
Hi Suresh,
I am planning to invest in “Shivam Autotech” after reading a article in moneycontrol. Can you your views on this company? Can I invest for long term perspective?
I really value your views
Thanks and br,
Mukesh.
Hi Suresh, your earlier articles on online tax filing was very informative and useful. It will be helpful if you can you do a write-up on information and tips on tax filing for NRIs. Thanks.
Sure Anand
Hi Suresh,
Can you please write some thing about the Sweep accounts in banks. What is that means and how it can be useful and good returns earning sweep accounts.
Thanks and regards
Dear Suresh,
Can you please suggest us the difference between tier1 and tier11 NPS account… Advantages and Disadvantages..
Can you write on Loan DSA Referral?
Actually, I am Finacial Adviser and I Got various Queries on Loan.
So should I invest in it?
How much ROI can I get through it?
Who ones are providing such opportunity?
Hi Suresh
Can you please write a article on https://www.moneyfront.in/
They are providing the MF investment option for direct plans. They claim to be very effective than the regular MF plans and will provide considerable difference in the returns.
Sure Makesh, we would do that in coming weeks.
Dear sir,
Please Digest best pension plan I wan to get retire at age of 55. Write now I am 38.my annual income is 6.0 lack p.a thanks
Can you write on current home loan interest rates? Whether old home loan buyers should change to MCLR?
What are the potetial benefits and loses? As the difference between MCLR and base rate is massive.
Dear sir
I am 54 years old and i am going to retire after 6 years. I want to create a retirement corpus of Rs.50 Lacs. Kindly guide me how much amount i need to invest monthly through SIP and the funds better suited for me.
Hi SUresh,
Can you please write a article on http://www.bullionindia.in/.
They are providing option to buy gold and silver online and also provide SIP facility to buy Gold and Silver.
Sure Shiv. Will do that.
Hi Suresh garu
Thank you for your insights in investment and it's making worth to read and to implement.
I have one thing which is an oblivious to me, i have seen IPO and SME IPO. I am happy to learn that what are the differences, why there are two instead of one.
Look forward to have lot of details on this.
Thank you in advance
I have 10 lakh Ruppees to invest. My age is 36 now residing in Pune. I am Married and still not have child. Right now my amount is in FD for 8.2 PA. How can I diversify it.
Hello Sir,
I would appreciate if you can post an article with investment tips for NRIs returning back to India. I myself am an NRI (mid career, not retired, laid off due to stringent cost cutting) soon to return back home. And from other forums out there on the internet, I get the feeling that a large number of NRIs will be facing the same situation, so such an article would be of great benefit.
Many thanks in advance!
Can you please review goalwise.com??
Hi Suresh,
With FD rates falling down , there are many options of FMPs floating around in the market. Can you please suggest on what parameters to look before investing in FMP, how to have a rough estimate about the returns and how they are different from close ended capital protection funds?
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
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.
Regards
Skandha
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
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.
Regards
Ravi
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?
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 !!!!
MY FRIEND WANTS TO INVEST RS.70 LAKHS FOR 1 YEAR FOR SOME CONTINGENCY? HE DOES NOT KNOW WHETHER IT WILL HAPPEN. IT SHOULD BE POSSIBLE TO WITHDRAW THE AMOUNT WHENEVER HE WANTS. CAN HE INVEST THE ENTIRE AMOUNT IN LIQUID FUND? IF SO WHICH IS THE BEST ONE AND WHAT ARE THE TAX IMPLICATIONS. PL ADVISE
Can you explain how good is ICICI PRU Elite Wealth II ?
Let me brief it for you. Its a ULIP. Comprises of 4 equity ,2 debt and 1 income. We can switch among them whenever we want free of charge. 5 Years of payment with 5Lakhs each year. Policy term will be 10years+. Their selling point is one of the equities ICICI Maximizer fund V which is giving good returns as per current market. We dont get this to invest through any of the direct platforms( like SIP). I see lot of charges in it.One of them is ICICI Blue Chip which I am really interested in.
I want to know if this ULIP is really good or its better to go through SIP/Lumpsum and avoid those charges. For one premium of 5Lakhs, the charges are comingg to 18K around.
CONFUSED…….BE MY DRONACHARYA
I am new to this and don't know terminologies even.Too many people with too much suggestions have confused me.Whatever I learned was from your beautiful essays.
suggest me a portfolio please:
36 male.Husband-wife both working .
PPF/Term and health insurance/Emergency fund/House done
1.wanna save 40,000/month for my son(I think two balanced funds would be good)
Rest 50,000/month for growth.
Or anything else if you suggest.
2.Would it be wise to get my portfolio managed by online financial services like ArthaYantra (risk -benefit)
KINDLY REPLY
Hi sir,
My father purchased some shares worth 10k 10 years ago. They are worth 25k now. He transferred those shares to my demat account. Will i have to pay tax if i sell them before 1 year? Please guide.
Hi Suresh
Could you throw some light on the 8% RBI bonds and where are they available
Dear Mr.Suresh, Greetings from Kasiraj.G, Kovilpatti Tamil Nadu, Retired. My recent investments in debt funds took a beating with a no rate cut policy. Please write a column on choice of debt funds to safegaurd the capital and earn some decent returns. Thanks & Regards Kasiraj
Hello Suresh,
My portfolio looks over diversified.Could you please check and assist me in modifying it according to my needs.
Goal is to invest few funds for 3-5 years and the rest for long term(10-15)
Also,i would like to plan for my child’s education and my retirement as well.
Below is my existing portfolio invested in 2016 through SIP. I would like to increase my SIP’s to 18000 per month
2199910090803-Franklin India Smaller Companies Fund – GROWTH – 16000 (SIP 2000 )
DFG-ICICI Prudential Value Discovery Fund – Growth – 8500 (SIP 1000/1500)
EBRG-Mirae Asset Emerging Bluechip Fund – Regular Plan Growth – 45000 (SIP 5000)
103G-SBI Blue Chip Fund – Regular Plan – Growth – 18000 (SIP 2000)
BFG-Tata Balanced Fund Regular Plan – Growth – 22000 (SIP 2000)
ASGP-UTI-TRANSPORTATION & LOGISTICS FUND – GROWTH – 30000 (SIP 3500)
HDFC Balanced fund – Rs 4000 ( SIP 2000)
Mirae Asset India Opportunities Fund – Regular – Growth – Rs 2000(SIP 1000)
Also,Please find the below funds illustrating few more invested through Lumpsum.
Birla Sun Life MNC Fund – Growth, Folio : 1017236476 – Rs 10000 Date of First Investment : 28/03/2016
Kotak Select Focus Fund – Growth, Folio : 3413853/89 – Rs 10000 Date of First Investment : 10/09/2015
AXIS LONG TERM EQUITY FUND GROWTH PLAN – Rs 30000 (Current value Rs 42000)
CAN EMERGING EQUITIES FUND GROWTH 1768397044 – Rs 40000
FRANKLIN INDIA SMALLER COMPANIES FUND 2199907405890 – Rs 10000
L&T TAX ADVANTAGE FUND GROWTH PLAN 2399404/61 – Rs 20000
RELIANCE EQUITY SAVINGS FUND REGULAR 476150170015 – Rs 10000
RELIANCE TAX SAVER FUND GROWTH PLAN 476145482895 – Rs 20000
SBI BLUE CHIP FUND GROWTH PLAN 14959271 – Rs 20000
Please guide to stop/modify the existing SIP’s.
Thanks,
Manoj
good funds. However, you are invested in too many funds. Try to reduce it to 5-7 funds.
Dear Mr. Suresh,
First time I had seen and gone through the blog . I find it unbias and candid opinion to fellow investors or those who want to excel themselves in investing their funds as their own.
like well informed investors.
I propose to topic of flexi home loan-how beneficial it is.
Thank you Devendra
Hello Mr.Suresh, Greetings from Raghav, Bangalore, a Program Manager. Always Looking for unique investment options. Motilal Oswal Mutual funds comes up with Buy Right Sit Tight concept. I would like to know the mutual funds under this concept, are those companies funds good or not.
Greetings Suresh,
Have been an avid follower of your site and always looking out for more articles from your end!!
Let me compliment you on all your achievements especially in the investment front – truly commendable.
Suresh, as you know the markets are currently hitting some new highs. The banking sector is shining well in this bull run. I would like to exit some stocks i hold to book profits.
My query is – Is it possible to do a calculation beforehand to ascertain how much will be realized after the sale (incl. brokerage, stamp duty, relevant taxes etc.). Can we have one calculator in excel or similar where we can input the figures and get an approx estimate of what to expect?
Thanks in advance for your reply
Regards
Anil T
Hello Sir,
Could you please write an article on BITCOIN, whether its legal in India, safe to invest in BITCOIN? Tax implication etc.
Hi Suresh,
i have started investing in mutual fund through My Universe.they are saying that they will not cast me penny to maintain my mutual fund a/c. Can you please suggest if it is safe?
Sir,please give a collective information on BEST PENSION PLANS WHICH ARE 100 PERCENT SAFE AND SECURE
Is it the right time to invest in gold? If yes, which one is better- ETFs or e-gold?
Regards
Reena
Can you please review TATA AIA Term plan? Is this a good term plan when compared to ICICI iprotect or HDFC Click to protect?
Should one buy TATA AIA plan.
Please suggest
Steel city securities SME IPO good or not?
Should one invest in BSE IPO?? Pls adv pros & cons. Tks
I already given my view. Pls refer last week article
Pl comment in CPSE ETF FFO. should we invest or not.
Please analyse and comment on returns of CPSE ETF FFO. Whether we should invest or not.
Need suggestion on what is this IPO or ETF of ‘Further Fund Offer (FFO)’ of CPSE Exchange Traded Fund (ETF)’ which is recommended by icicidirect on their home page. Would appreciate to understand more about what is this all about.
Can you provide some info on below.
1. How loan prepay works
2. different ways of claiming PPF amount at the time of withdrawal/maturity. How to calculate monthly pension or a lumsum amount
Hi Suresh,
After the Demonetization several building construction works are moves very slow, some of them don’t want to start new construction ie. On Hold and real estate also negative direction in major city. Could you please explain the construction material cost will go down after the budget to start for new house construction.
Thanks
Regards,
Sadiq Batcha
Hello Suresh,
waiting to read about stocks to buy in 2017 for long term
Thanks
Reena
Hi Suresh,
Due to Demonetization several payment apps are available, which has created a lot of confusion among users. It will be helpful if you can write an article related to payment apps. And please explain what is UPI app and how it will be useful, since we are using netbanking for bank transfers?
Thank you
Hi Suresh,
Can you post an article with good Debt Mutual funds as market has correction. And also indicate how much is the taxation for long term investment.
Thanks,
Venkat.
Dear Suresh ,
I have go through almost all your articles . All looks good . Now the current market is down due demonetization , fed rate etc .
Could your please wrtie an articles on that what kind of sector(like pharma , auto) will more grown in long term , mid term after this down of market ? Give us give some stocks name also as i have seen your research is always great .
Wish you a very happy X-mas .
Thanks & Regards,
Bikash Paul
Dear Suresh,
Greeting of the day!!
With reference to recent information, online payment for premium of insurance polices, in which types of insurance & company will opt this benefits of 10% & 8% on this section.
Kindly provide in details
Is only applicable for new polices or only took those polices via online
Thanks in advance
Karthik
Hi Suresh, pls suggest a retirement mf portfolio to invest in 2017 with a period of 25 years. Best mf to include in a balanced portfolio. Pls give example based on rs. 10000 to invest per month. Thank you in advance.
Dear Sureshji,
Let me thank you from the bottom of my heart for your investment ideas from which I have benefitted in the recent months. Kindly advise on how one should approach investment in gold from a short term and long term perspective. Should one keep the existing investments in gold or exit and then buy later.
Thank you,
Kaushal.
Dear Sureshji, Can you please provide your views on Demonitisation and impact future impact. Which stocks will be positively impacted and which will be negatively impacted.
Thanks for your valuable articles.
Regards,
Ashish Parekh
Funds India and mf utilities are same ? ?
I think it's better to go with mfu than other websites. .
You can have all your investments under one roof.
Please give some light on mfu if it is good. .
Please enlighten on tax claim on medical expenses of old dependent parents with no insurance
Dear Sureshji ,what do you think of sip insure scheme of Reliance mutual fund ?
CAN I INVEST IN FD SCHEME OF TAMIL NADU POWER FINANCE CORPORATION. PROS AND CONS.
Dbs bank is giving 7% interest.. No documents required.
Kindly advise
Hi,
I am your blog’s regular reader. I have a really concerning question about investing and hope to seek help from you.
I have been investing in Mid and Small cap funds through SIP . The investment period is for 3 to 5 years. However, now as each day market is crashing and the Mid and Small cap funds are the worst hits…I am having a fear of loosing my money invested including profits..:|
Should I still continue to invest through SIP or should I withdraw?
Please help.
Thank You.
Rohan, As I always indicated, invest in mutual funds for long term of 8-10 years. Worst case you can invest for atleast 5 years if you would like to take risk. Investment for 3-5 years, you may not get good returns. Keep investing more money during market corrections so that you can benefit more.
Hello Suresh
As discussed on facebook, i want to suggest some ideas for new articles on your website.
1) Top ecommerce platforms to launch online cab booking business
2)Online business ideas in fashion sector
3) Online business ideas in tavel sector
4) Low budget business ideas in food industry
There are many more ideas that i can recommend. If you do like any of these ideas, let me know so that i can send you more details about the topic.
Waiting for your reply.
Thanks
Veeny
Hi Suresh, Almost on FD's, LIC premiums, RD's an individual is paying tax on earned income from the saving policy? In such cases can he invest the amount in the name of his wife who is a home maker and can submit 15H/15G to aviod tax on the earnings? Please share some thoughts on this topic
Hello Mr. Suresh,
Thanks for keeping updates to our community. Looking for your expert suggestion on NFO for KIM – Birla Sun Life Resurgent India Fund Series 2. Im looking for lumpsum investment for 2 to 3 years. Link below:
http://mutualfund.birlasunlife.com/Pages/Individual/Our-Solutions/FMPS.aspx
Thanks
Nitin
Can you give a blog about family floater medical insurance in universal sambo insurance policy?
Hi Suresh !
I am a regular reader of your blog and love the way you explain every thing in such a detail.
I am keen to know which mutual funds one should invest in considering the implementation of GST.
As learned from your previous post about GST implementation and its effect on market – following would be some Sector which would be benefited from GST – Transportation/ Logistics , Cement Industry / Consumer Durables mainly because of unorganized nature of these sectors.
I would request you to suggest some Mutual funds which we shshould invest in.
Thanks and look forward to your reply.
Thanks,
Aaditya
Hi Suresh,
I am consistent reader of your blog.
I request you to review “HDFC Life ProGrowth Plus Opportunities Fund” along with another flavor of same as Income Fund.
Thanks in anticipation.
Sir,
Can you please post on bitcoins
Hi Suresh,
Give some inputs for DIY Investors from Mutual Fund perspective.
How to categorize goals in time frames (short,medium,long) & portfolio management as goal time is coming near ?
MF categories as per type of goals ?
How to shortlist MF as per our goal ?
Most importantly when to opt out from Mutual funds ?
Thanks
Hi Suresh,
Can you post on Varun Beverages IPO.
Thanks
Hi Suresh,
I am heavily invested in MFs (equity/debt) and FDs.
I dont want to invest in NPS/NCS due to its cons.
I now want to explore field of NCDs. Could you please give insight about the same?
Please suggest current NCDs in which I can Invest for 3-5 years.
Thanks…
Dear sir,
URGENTLY write about “ofs of NBCC”
Wheher we(retail) should participate or not ??
21st oct is date for retailer
Thanks in advance
Your blog is very good, i follow for ipos etc..
please provide your comments on bajaj finance and pirmala enterprises for long term perspective….
Can you write an article aboutTarget Investment plan and whether to opt for it or not?
Hello Sir,
Your articles are too informativa nad helpful. can you provide information on Form 12 BB . Which we require to submit for Paying rent. House owners are not providing their PAN (Not ready to share ) . In that case what can we do. consider am paying rent of 18000 per month. My HRA will be totally affectivg on this.
PLease give your valuable suggestions
Hi
Any suggestion on virtual Portifolio website/ App?
Hi Suresh,
Many analyst study stock performance using charts, which indicate that stock’s trend (i.e upward or downward). For this, different parameters which are used like CCI, Moving average of last 200 or 50 days etc. You can consider this for your next article.
Hello,
I saw your post about wealth pack expense tracking application. Can you suggest a good application or website where we can record our investments. As we have multiple investments of different kind tenure and payout methods its getting difficult to track that. It must have all the options like mutual fund, stock, LIC, Bank FD, PO RD & NSC, Gold. Like that what ever investment a common man do. Due dates, payout dates etc will be added advantage.
In one sentence my question is how can we track our multiple investments efficiently.
Dear Mr.Suresh, Thank you very much for enlighting us with various investment options. I am low risk investor. Basically I believe that insurance plans to be considered for child education or for my children marriage. I know that you keep recommending us to take Term Plans and invest balance in MF’s. But I want to go for children investment plans. Can you pls elaborate some of the best children investment plans available in India? Pls help me. I know you don’t like it, but pls pls pls….
Could you write an article on how we can earn return on our existing shares without selling it?
Any suggestions on Hindustan Copper Limited OFS????
deposit receipt status
Earlier you used to review SME IPO , now since last so many days you are not reviewing SME IPO, you are requested to published review of SME IPO also.
Hi Suresh,
I always enjoy reading your articles which are you write in a language that everybody can understand easily.
I would like to suggest two topics you should cover in your articles:
1. How many mutual funds one should select to invest as a SIP?
I mean here, is it good to invest in minimum number of SIP or we can have more numbers.
Like if I want to invest 50K per month in the SIP, how many MF should I invest (in 5, 10, etc)
2. NFO or New Fund Offer : Investment in NFO and risks
Looking forward for your articles on these topics in near future.
sir,
I am a very big fan of your, and i daily used to read your blog, i also subscribed and bookmarked it.
this is my 1st time to write something here, can u just please help me with the below points:
1. I want to do the business like u said P2P (money lending (सावकार type))
2. is there need any license from government to run these business
3. What is the pro and cons?
4.how much interest we will collect from the borrower.
5. all about these business.
i hope you will read my message and reply accordingly
Thanks and Regards,
Vidhyadhar T.
9011032034
Dear Suresh,
I accidentally came across your website while I was searching for some Sector Mutual funds. I was just amazed to see the articles you have written MF. Its indeed a plethora of knowledge. Thanks for sharing what I was exactly looking for.
I have couple of questions regading MF.
1. Which MF one should buy consideing the upcoming GST implementation? Which sectors you feel will benefited and will provide good returns? I feel logistics,Transportation, cement would be real gainers.
2. Will Rafael deal inpact our market? Will it support Make in India initiative? If yes, which companies are part of it , any MF regarding it?
Thanks and look forward to your reply.
Regards,
Aaditya
Dear Mr. Suresh,
I have been actively following your website for quite a few years now. I must admit that it is your website that inspired me to invest in MFs and shares. However, over a course of time, I felt that shares might not be my cup of tea. So, at present I only invest on MFs.
I also helped three of my friends in investing in MFs who were reluctant in the begning. I do not claim myself as an expert but yes, I do have a knowledge base about investing and the credit goes to you and your website.
I also started a Term Insurance after I consulted your advice on insurance.
I invest in MFs in direct mode only and hence there is no financial advisor of mine. Would you please evaluate my portfolio ? I would really aprreciate your evaluation and any suggestions that you may have.
1. AXIS LONG TERM EQUITY – 1000/-
2.HDFC TOP 200 – 1000/-
3. ICICI PRU FOCUSED BLUECHIP – 1000/-
4. UTI MIDCAP – 1000/-
5. UTI MNC – 1000/-
6. ICICI PRU LONG TERM GILT – 1500/-
7. ICICI PRU LONG TERM – 1000/-
8. BSL DYNAMIC BOND – 1000/-
All the above funds are in "per month" basis. Below are the lumpsums:-
9. RELIANCE PHARMA
10. BSL MNC
11. UTI FOCUSED EQUITY SERIES-I (1100 DAYS)
I want to put another 4000/- per month in SIP mode. Could you please suggest some funds? I have a time horizon of 15-20 years. I don't intend to touch the first 5 funds for another 15 years, am I right in thinking so?
Thank you
Regards
Tathagata
Hi Misra, you are investing in good funds except for HDFC Top 200. You can exit this now and invest in better funds. regd another 4K which you want to invest, consider investing in Birla SL Frontline equity fund and ICICI pru top 100 fund. Regd your question about first 5 funds, yes these are in large cap segment, you can hold it for 10-15 years.
Hi,
I am looking for "Group insurance" term plan for a group of people like a socity or friends and not an employe emloyer related.
Is there any such plans available? if yes what is the minimum numbers in the group?
what are the other criteria to be eligible for such group plan.
will there be any benefits when compared to an individual plan.
If i manage to get a group of 50(approx) what are the best life or health cover we can go for?
Is there any investment plans best suited for such group.
Please enlighte us.
Hi Suresh,
Could you please suggest some health insurance plans which covers Hypertension?
Thanks and Regards,
Deepa
Hi Deepa, Following health insurance covers Hypertension 1) Bharti axa smart health 2) National varista mediclaim 3) new india Sr citizens mediclam policy.
I am considering to buy Max life term insurance. I want to know the impact to individual who are already owning policy or to new policy buyers post merger with HDFC life. Can you please comment on this please.
Dear Suresh,
I am following your website from long time. Mostly every working day I go through your website. But just got a felling that your website is concerned more about current market and current financial activity. But personal finance and wealth creation is much more than current few share market activity. The topic you cover is just current. If you look that article after some time it will have less value or outdated. Current activity is like news but financial literacy is something different. It has more ever green principle base value. If you can add some article on long term investing, Goal base investing, Saving, and more deep knowledge on personal finance as its not only about the share market it is about overall development.
Some books on the topic
Your Money or Your Life by Vicki Robin and Joe Dominguez
The Richest Man in Babylon by George Clason
The Millionaire Next Door
The Intelligent Investor by Benjamin Graham
The Automatic Millionaire
Secrets of the Millionaire Mind by T Harv Eker
and last your response to the mail will be appreciated
Regards,
Dhiraj
Dhiraj, I appreciate your valuable comment. Would follow your tips in coming weeks. Thank you
should you invest Sundaram Long Term Micro Cap Tax Advantage Fund Series III – please suggest
should you invest IDFC NIFTY ETF – please suggest
should you invest IDFC Sensex ETF – please suggest
regards
Lovenish Chandel
Hi Suresh,
First of all I am happy that am also one among the silent reader of this valuable site.
At present, I am informing my friends via call/text about this site if anyone interested about investment. Please have a “Refer your friends” option if you like and if no such option available already. Just my thought…
By the way this is Raj from Canada, IT consultant.
Question:- Is this a right time to Invest in PSU banks on long term basic(3 to 5 years). If yes could you please recommend 5 to 7 PSU banks and the % of the amount can go with particular bank.(ex: SBI = 50% , PNB= 30% , BOB=20%).
Many Thanks in Advance
Sure Rajendran
Dear Suresh
Can you throw some light on recently announced buy back offer from Sun Pharma
Thanks
Hi Suresh,
Could you share more details about Stock lending schemes. I heard we can earn money for the long term holding stocks that has been sitting idle in our demat account. For this facility, what we needs to do from our end?
Hi Suresh,
I am Bhushan Kubde from Doha Qatar.
I would like to suggest a topic What is NFO and Risk Involved in this. Also please include if NRI can invest in it.
Dear Bhushan,
Below are some info
Why not to invest in New Fund Offer(NFO)?
Since NFO’s are opportunistic in nature, many investment advisers and financial planners suggest to stay away from these funds. So, is it really risky to invest into NFO? Let’s find out:-
1. No proven track record
Since NFO’s are launched with a new idea or a theme/sector it is very difficult to analyse the future of the fund. One can always find a similar kind of fund already running in the market which has a rating from the experts and where qualitative/quantitative analysis can be done on the basis of its past record, which cannot be done in case of NFO.
2. It is not cheaper than its other peer funds
Many investor thinks that NFO’s are available at cheap price compared to other ongoing schemes, which is totally wrong. Suppose an investor invests Rs. 10,000 in an NFO at NAV of Rs.10 and invests the same amount into an ongoing scheme whose NAV is Rs.20. Now the growth of the NAV in both the schemes depends upon the kind of portfolio they holds. Here the percentage growth of the NAV is important rather than the value of NAV. So there is no point in investing in a fund which has a lower NAV.
3. Comes with high initial expenses
The marketing charges and other initial expenses are high in case of NFO’s. These expenses are capped to a certain percentage and are managed out of the NAV over the period and hence are responsible for the lesser return. So it’s better to avoid new funds as charges are high.
4. Limited Diversification
Generally NFO’s are sector specific (normally at the top of bull market) or have focus on certain category like Mid cap, small cap. People are advised to invest with a proper diversification because if one sector does not perform the returns are compensated by another sector and proper balance is maintained. So it is better to read the investment objective of the NFO before investing and avoid those which have limited scope of diversification. Your portfolio should be designed based on your goals……
5. NFO are not exactly like IPO’s
Many people are of the view that there is no difference between NFO and IPO which is not true. In NFO the NAV is fixed at Rs. 10 per unit and is not affected due to the demand or some other factors. While in IPO the listing price depends on the demand and expectation of the market with the company. So the price may fall or rise while listing. So please remember the growth of NAV in mutual funds only depends upon the growth of the underlying securities.
Please remember Mutual Fund companies launch different types of NFO to increase their AUM and to complete their bundle of products, to attract different kind of investors and to fulfill their needs. So this does not mean that every NFO will suit your profile. Sometimes a plain equity or balanced scheme will serve your purpose. So it’s better to avoid NFO and if required you can always check the performance of the other schemes already available in the market.
If you want to invest then follow below thread which Suresh recently posted.
https://myinvestmentideas.com/2016/09/top-10-best-sip-mutual-funds-to-invest-in-2017/
Hi Suresh
Your contribution to the investors is commendable.
In view of changing Indian economic scenario (under various sectors), you may consider to post one/two scrips in a month for short ro medium term investment as many investors will have less patience.
Hi Suresh,
Do post your inputs on investing in different etfs like niftybees,goldbees,bankbees
Thanks!!
Hello,
I saw your post about wealth pack expense tracking application. Can you suggest a good application or website where we can record our investments. As we have multiple investments of different kind tenure and payout methods its getting difficult to track that. It must have all the options like mutual fund, stock, LIC, Bank FD, PO RD & NSC, Gold. Like that what ever investment a common man do. Due dates, payout dates etc will be added advantage.
In one word my question is how can we track our multiple investments efficiently.
Hi Suresh, I have come across this so called peer to peer lending, with some Indian platforms/websites coming up for the same. Can you please let me know your view on the same if it can be used as one of the investments for better returns, may be a small investement to start with. Thank You.
Can you suggest best individual critical insurance plan/ or it is better to keep the same as a rider in health insurance plan.
I want to invest 5 Lacks & need to get 5000/- per month. Can you please suggest me best SWP plan which will give me best return & my corpus will remain safe. My age is 39 years.
Or if you have any best plan please suggest me.
Fixed Deposit with Housing Finance of any private sector Bank Secured upto what extend
2.Fixed deposit with Bandhan Bank and RBL Bank- whether secured or not.
when REITS fund will start in india.
Can u detail the benefits and features of ICICI Pru life Saving Suraksha Plan.How is the market trend and benefits we reap from it
Dear Sir,
Which way the markets are headed ? The editor and publisher of the Gloom, Boom & Doom Report Marc Faber on Monday on CNBC’s “Trading Nation” said that stocks are likely to endure a gut-wrenching drop that would rival the greatest crashes in stock market history.
Andrew Holland of Ambit Capital told CNBC-TV18’s Sonia Shenoy and Anuj Singhal in an interview that “Something in the bond or currency market will blow up. The liquidity [sloshing around in markets] will come off at some point but I am not sure when,”
The Nifty on 9th August 2016 formed the common candlestick chart pattern ‘hanging man’, a development that could signal the end of the upside trend, at least for the short term.
Can you please tells what do you think of the stock markets and where it is headed going forward.
Hi,
I have read few articles regarding choosing best SIP date for Mutual Funds, in context of anticipating higher returns.
I will appreciate if you could throw some light on “Best SIP Date” and share your inputs.
Thanks.
I have been investing in mutual funds since 2001. In these years I have seen that we usually stick with funds that have done well over 10/5/3 years but then they start losing steam for e.g. IDFC Premier Equity Fund.
Also if you look at ELSS, DSP BlackRock Tax Saver Fund has started to perform better in the last 1 year. Quantum Tax Saving Fund has also performed well but no one is talking about it because the Company does not follow the distributor route.
How does one identify these upcoming funds which would give better returns than the established names because past performance of the funds are no guarantee that they would do well in the future.
Also suggest whether I should invest in Quantum Tax Saving Fund.
I really appreciate the work you are doing, guiding lay men like me in the stock market. I am looking out for a broker who is Reliable, Reasonable and Responsive with whom I can open an account. I have never tried F&O so far, can you please guide how exactly it works and the pros & cons of F&O.
Sure Francis
could you please Comment and provide the details of SBI life pension Plan:RETIRE SMART PLAN
Sure Biju, would do that next week
Can you please advise which is the best way to invest in MF direct plan ?
Hi
Thanks for valuable articals.
Need to know how to use Bse starmf platform. Now sbismart gives this facility
but no one give instructions or infor5 how to use it ,what is it,how to use using mf platform.
it will great if you give more information on it
Thanks
Deep
Dear Sir
I have learned a lot related to investment in MF as per your suggestions. I would like to request to write on MF investment in GROWTH or REINVESTMENT OF DIVIDENDS scheme, which one is better for long time horizon…because reinvestment of dividends in any scheme is the type of return which we have received already as a dividend and further this dividend generates the return……I will be indebted for your profound suggestions…
Hi Suresh ,
Can u suggest best 10 mutual fund post Brexit to invest th. SIP.
Regards,
Subhash Mantri
Will you kindly help this old man of 70 years?
My problem is for I Tax filing I can go up to generating the xml file and saving it.A message comes in the computer that xml file has been saved in the desired path/destination.
BUT NOW I AM PUZZL.ED.HOW TO SAVE IT IN THE DESKTOP/SYSTEM SO THAT I CAN TRACE IT FOR FUTURE UPLOADING DURING FILING RETURN.
With thanks
Hi Suresh,
It will be helpful , if you please share your view / recommend on top- stock(long term and fundamentally strong). Such as :” https://myinvestmentideas.com/2016/06/top-10-stocks-based-on-warren-buffett-principles-should-you-invest/ “.
And please your view/ recommendation will be always on long term basis. So it’ll be good for serious investor.
But if, it will be may regular basis(like quarterly/ monthly in a year), then best for serious reader.
Many Thanks.
Atanu
Thanks Atanu, Would do that
Dear Suresh KP<
May you write an article about wipro buyback. Currently it is trading at 560+ and buy back is offered at 625 by June 31. Do you recommend me to buy at 560 and go for buyback .
Hi Suresh,
Your articles are very informative. There is quite a lot of talk on ‘Brexit’. Can you throw some light on ‘Brexit’ and how it might affect Indian stock markets. Do stock buyers need to wait for a couple of days for new purchases? Any information regarding this will be helpful. Thanks.
Suresh.
Sir, ICICI Pru Capital Protection Fund Series X NFO is opening tomorrow. Pls give your views. My agent says it is good fund and asking me to invest. However, it indicates capital protection. Can I park my lumpsum into this fund ? You are our advisor, we would follow your guidelines
Sure
Sir,
Thanks for all your excellent articles, i recommend the following
– How and what to buy Tax free bonds in secondary market, compare that investment with other bank FD’s or Debt mutual funds
– Buying gold sovereign bonds in secondary market, compare with other gold investment like retail or gold ETF.
– Analysis of monthly Gold scheme issued by gold shop (you pay certain amount every month, get the jewelry without any wastage)
Good topics for me.
Hi Suresh, Please write an article – Money Saving Guide – Different Airlines offers cards. Which is best to go. I Really I need guidance on which airlines cards will save more money and their offers comparison alongwith makemytrip cards, etc…
Hi Suresh,
Please provide your view on Mahanagar ipo ,the issue data will be this month end.
Hello Sir,
I am a very new to share market.Could you please tell us whether we can buy shares of a company which we work for,if we can to what extent and so on. Also how does the income tax need to paid on profits/losses earned in share market in a particular financial year
Hi Suresh.
It would be nice, if you start topic on one’s existing investment on Mutual fund, which he/she(like us) wants to know whether their already investment are right or not .
I mean give your opinion on one’s investment on mutual fund, who asks you informing his/her investment detail(funds, etc) as well as if he/she wants to invest more, then recommendation on fund.
Hi Suresh, many times people gets confused about which brokerage to select for buying stocks. And they might not have idea about discounted brokerage and full service brokerage. You can give some clarity and tell us the advantages of one above other.
–Bharath.
Hi suresh,
I'm regular reader of your site and received good insights.
I like to invest in Liquid funds for short/medium term. Can you please suggest best liq. funds to invest in 2016. if possible, the pros/cons of liq. fund.
Regards
Prabu
Hi Suresh,
Can you Please explain the Pros and Cons of LIC’s Jeevan Akshay VI policy. This scheme has got various options and is it worth investing on this.
Thank you,
Ganesh
Hi Suresh,
Recently I have heard from my friend about LIC’s Jeevan Akshay VI. I went through the LIC website and could understand that there are plenty of options to choose from.. Can you please provide your comments on this as which option suits best for which people. I think this will benefit many of this sites followers.
Thank you,
Ganesh
Hello Mr.Suresh,
I have been following your site only recently and it has been of an immense help to me with deciding on my investments. Thanks for starting it.
I need your advice on whether or not to invest in Bajaj Allianz Fortune Gain, Non Participating Unit-Linked plan. Pros and Cons on the same.
Thank you in advance.
Hi Suresh, can i get an reply on the above query please ?
Dear Suresh
Recently i got a call form Birla finance regarding change in existing home loan form 9.5 % to 6 % interest. As per their person they will buy a insurance policy in my name with required loan amount. I have to give only principal amount till the choosen loan tenure and after completion of loan tenure interest portion will be deducted from the maturity amount of policy and remaining amount will be credited into my account. I want to understand the authenticity & hidden terms if any. Company executive is telling is OD loan facility. Can you elaborate on same topic and also give your suggestion.
Amit don’t get into such traps. No one can give home loans at 6%. Stay away from such companies
Hi Suresh,
Greak Work !! Keep it up man !!
Can you throw some light on Gold ETF and e-gold ?
Thanks,
Swapnil.
Sure Swapnil
Dear Suresh,
Kindly advise on how we can invest in MF direct Plan. Also if you can advise on which is the best online portal to invest in MF
Hi Suresh its maven
How are you? Just want to request you if you can write an article on exchange traded funds (ETFs).
Thank you for your time
Maven Cruz
Hi Suresh,
Please discuss on the recession which may be expected in 2016 and please advise whether we should hold/buy or sell.
What is the GMP of Parag Milk IPO ?
how to increase chnaces of getting allotment for ipos?
Please discuss good retirement plan.
Should I invest in Retire Smart by SBI Life.
Agent saya that If I invest 1 lac per year up to 10 years then SBI life retire smart plan will give lac every year till I alive then when I will be no more thie 1 lac will be given to my wife till she alive. And then when she will be no more then 14 lacslumsum will be given to my son/daughter (As per nomination).
Is it true ?
Please advise
kindly suggest some monthly saving ideas apart from rd
Why is shares buy-back program of CPSE companies treated as disinvestment?
Hi,
Please publish an article on ‘bitcoin’ / ‘Digital Currency’.
Thanks in advance.
Dear Suresh,
Is it good to invest the money in ELSS for 80C tax saving purpose ??? What do you think about it ??
It is one of the best way to save tax and grow your money. You should invest in ELSS funds
Please advise about how the bank shares will perform this year. What could be the target price of them
hi
I am a newbie who has never invested via online and has no DEMAT or TRADING account. Request you to update/create article on best brokerage firms (DPs) for 2016 with their latest rates.
Please DO GIVE YOUR PERSONAL OPINION on which one is preferrable for newbies and also, who would be preferrable for the long-run,
Awaiting your earliest reply.
Thank you
Dear Sir,
Kindly brief more specific on best retirement plans. As more no of Private employees have not planned anything for the retirement. I mean to say more safer plans.
I suggest you to write on banks offering variable rd scheme (I think you have a existing post but some info is changed. So pls update it)
Hi Suresh.
Can you please post your reviews on “ICICI Prudential Guaranteed Wealth Protector LP”. The Policy is in Force since two years. Its a 10 yrs plan with waiting period of 5yrs. Should I continue with the plan? Thanks in advance..
Hi Suresh,
Could you please post reviews on “Aegon Life Premier Endowment Plan” and the merits/demerits that it offers.
Hey Suresh,
Like you post the interest rates on different FDs. Could you also post similar details for NRE FDs as well.
Thanks,
Vipul
Dear Suresh,
With RBI cutting 0.25% in repo how / what will be impact on MF? especially debt MF
Pl guide
Shrikant
Please publish some article on Real Estate..
Hi Sureshji,
I would like to take advise on below mentioned plans for investment.
SBI Smart Scholar
Max life monthly income advatage plan.
Kindy guide. Thank you Sureshji for doing great work.
Please do write about the impact on small savings rate reduction and whether senior citizens saving scheme will fetch the old rate if invested before 31 March. Need a quick answer so as to arrange funds. Thank you.
Hi Suresh,
You had published one article a year back with suggestion to buy NCD from secondary market.
Whenever you have time, could you please analyse and suggest for current time.
require retirement corpus investment options after revised interest rates and budget 2016
GANESH AURANGABAD…
Hi suresh,
Will you please recommend some of the long term shares please name individual ,5yr wetting period accepted. Are bank shares like Sbi, icici are still good to invest for long term? Any potentially growing defence sector company to invest now?
From where can I learn to trade. Could you please guide sir
Can you please suggest whether to invest in ‘Reliance Fixed Horizon Fund XXX Series 11 NFO
Hi Srinivasan, This is for moderate risk investor as it invests in debt / money market instruments. It is close ended scheme which matures in 1169 days. I am generaly negative about close ended schemes as they provide limited returns. If you are low risk taker, you can invest in them. Otherwise there are better debt income funds to invest. Check this artilce too https://myinvestmentideas.com/2015/11/top-and-best-income-mutual-funds-to-invest-in-2016/
Dear suresh,
Can you write an article on top debt funds to invest in 2016 in each category like ultra short term, short term, dynamic bond, long term / income fund etc.
Thanks.
yes. good one..thanks.
Hi Suresh,
Could you please review Medical Advantage Feature on ICICI Prudential Savings Fund.
Please find more details about it in the below link.
http://www.icicipruamc.com/download/One-Pager_26Feb16.pdf
Thanks in advance for your time and assistance.
Harsha
Can you please suggest about HUF (Hindu Undivided Family) ? I really want to understand how it functions specially in terms of if individual (along with parents) buy a property can that be transferred to HUF or not keeping in mind the rent aspect of it and what would be tax implication.
I tried searching on the net but didnt get any clear answer.
Thanks
Gaurav
Hello sir.I m a frequent follower of ur blog.thank you so much for educating us on various financial topics.
I am starting a small llp firm with a capital of 1 lakh.what would be the best current account that I would open i n my companies name.what are some of the factors I need to chk fr opening current account.pls guide me sir
I Sumit Ghosh from Kolkata. I want to invest in mutual fund for 5-10 years through SIP. Which fund is best for investment for the current market. Please Suggest…..
Sumit, Refer this article and it provides queries to all your queries. https://myinvestmentideas.com/2015/10/top-10-best-performing-sip-mutual-funds-to-invest-in-2016/
sir kindly inform about house rent allowance thx
sir i didnot find any comment on Kotak FMP Series now running 188 & 199 please share your views
Hi Suresh,
Will you post an article regarding home loan?
While applying a home loan whether we have to go for fixed interest or floating rate of interest?
Which factors we need to consider while going for a fixed rate of interest or floating rate of interest?
How the factors will affect long term and short term?
Suggest a suitable approach if you need to take a home loan in current economic conditions.
Thanks
Kranthi
Hi, Suresh
Should we continue SIP in DSP BlackRock Top 100 n HDFC Top 200 fund or go for some other fund.
Thank you for putting lots of effort to educate us.
Thanks
Uma
Hi Suresh,
Can you please suggest ELSS funds for 2016 .
Thanks
Zia
Zia, You can invest in Axis long term equity fund, Franklin tax shield fund, Reliance tax saver fund etc.
Suresh ji, There is new NFO from HDFC Retirement Savings fund scheme which has lockin period of 5 years. Is it good sir? Pls post positives and negatives
latest Company fixed deposits for the year 2016
Hi Suresh,
I read each and every article of yours and appreciate the effort you put in it to educate us. I Thank you for that.
Some time back I read an article on “Investing in apartment by taking loan is not useful at all” some where.
I saw the example where the author has given detailed explanation. (like even if you re-pay the loan in 5 years also, it is not worth the value we think). I thought that was you. But could not find that article. Can you please write an article on that?
Thanks
Bhanu
What is your take on investing in index ETF’s (BSE, S&P100) as investment strategy for the long term? For folks that don’t really know which mutual fund to invest in, this might be an easier investment route.
High Risk/High Reward plays for 10% of Portfolio
Suresh garu, please advise investment options for lumpsum(around 50k in my case) for a tenure 3-5 years
Detailed information for Sweep In FD
Hi Suresh ji
Please throw some light on investing in oil and petro chemical stocks or its related funds keeping in mind the global low oil prices.
Sure Sriharsha
Hello, I request you to pl share your views on Capital Protection Fund – HDFC Dual Advantage Fund Series II. As per scheme, they would invest 87% in debt and remaining 13% in equity. Would you suggest this investment.
Kindly share your opinion.
Thank you.
Stay away from such funds. You can invest in top debt funds which has similar investment objective, but provide good returns
Which IPO is better for investment Camshafts or Teamlease Services? Please advise as soon as possible
see my reviews
I would like to invest money fixed deposit schemes and i would like to know the more intrest rates they are providing and also the risks they involved.
Hi Suresh ji,
Waiting for your take on upcoming precision camshaft ipo
Suggestion regarding precision camshafts.and recent crash in interglobe aviation
already posted on Camshafts. You can invest in Interglobe aviation for long term
Dear Sir
I need your suggestion / advice regarding retirement planning. Where should I invest my PF & Gratuity funds which will come to me when I retire shortly. I have been investing in mutual fund SIP for the last 7/8 years. I am not very knowledgeable regarding the stock market investments. Please suggest best investments options so that I get a steady monthly income as I am not covered in any pension scheme.
Helloo Mr. Suresh,
Pls provide details about Precision Camshafts Ltd. IPO will open on 27th Jan,
Pl’s also let me know how to study a scrip, it will be grt help for me, as I also want to learn.
Pls let me know if any book I can refer for study..
Regards,
Mahendra A. Pawar.
Hi Suresh,
Many thnaks for the Article how to become Crorepati,I am following your blog from past 1 year and its really awesome. Keep up the good work.In personal I have suggested many of my friends to see this site on saving & earning the money. I really feel excited when ever I get mail from this site saying new Post hav ebeen published.
You have covered many topics but I would like to know best shares for Long term Investments say for 5-10Years down the line.Even I dont want only stock but few for each sector. For example: Banking sector prefer SBI,ICICI etc, Pharma sector: Sun Pharma, Ranbaxy Etc shares.
Thanks,
venkat
Hello Suresh,
I’m looking for a best dividend paying mutual funds in 2016 and coming years. Could you post an article with the funds available?
1. High and reliable dividend paid Mutual funds.
2. Same way MF that’s giving good appreciation on principal investment.
Thank you
Kishore
Mr Suresh.
I would like to know about NPS Trust – there are only a few banks in the list where you can open an on line account. Is it right? I could not find the list of banks where one could go personally to open an account for subscribing.Your guidance will be welcomed. Thanks and have good evening
Hello Mr. Suresh,
Can you please give your forecast of different upcoming investment options for 2016? Eg: How many Tax Free bonds (like: IREDA, Hudco etc) are expected in financial year 2016-17? What are expected investment options in 2016-17 financial year? Etc etc.
Thanks,
Nitin, As soon as Govt publishes the list, I would post an article.
Dear Sir,
Why don’t you post/suggest certain important “stocks” which you feel becomes “navarathinas” considering the recent decrease in points in NIFTY during the begining of Jan.’16 – which will help us to invest and earn good returns.
thanks & regards
s. ravi chandiran
i want you can Post All Insurance Aggregater And His Profile one by one
Hi Mr. Suresh,
I am 26 Years old and i am earning, 5.5lpa with a monthly take home of 40K. I have a Home loan (19500 EMI for next 12 Yearss), Personal loan (7454 EMI for next 3 years).
Hence i end up paying 28k as EMI every Month. My monthly expenses of 12k
Kindly give suggestions how can i reduce my burden of loans by taking a topup laon on my existing home loan to close my personal loan? which is the best bank which offers me good benefit out of it.? Currently i am holding these 2 loans from AXIS Bank. My home loan EMI started around march’15.Kindly suggest.
Hello sir,
Great effort by you. I came across a new product, from ICICI Pru life – iprotect smart, a term insurance policy, which is being claimed to be the only of that type. It has permanent disability benefit, premium waiver benefit. There are two variants lump sum or monthly income plans in case of death. It may be of interest for you to analyse, which would be of a great help to many like me.
Thanks
Srinivas. Looks you are not following my blog through email updates. I have already posted 2 week back. Here is the link.https://myinvestmentideas.com/2015/12/icici-pru-iprotect-smart-term-insurance-plan-is-it-unique-plan/
Sir,
Please suggest which SME IPO is better- OFS Tecnologies Ltd or Fourth Dimension Solutions Ltd.? Also please state the reason for the same.
Thank you,
Sanjay.
Pls wait to hear from me
Hi Suresh,
I really appreciate your effort in putting up such a nice contents in this website. I would like to know how to open an 3 in one account for minor and which is the good one? I mean icici or Hdfc?
Hiii Mr. Suresh,
Pl’s let me know details of Fourth Dimension Solutions Ltd IPO which is going to listed on NSE
Issue Open: Dec 30, 2015 – Jan 7, 2016
Thanks,
Mahendra Pawar
You would see in next 2-3 days
Suresh,
Appreciate your efforts in helping our investment knowledge.
Can you tell me about the option in “ICICI Bank – Invest Online” for purchasing mutual funds. It says that there are no transaction charges but they do mention something as Brokerage based on the type of fund. Can you please clarify this if you had assessed this earlier? Whether we need to pay any additional charges for every mutual fund purchase (irrespective of whether SIP or onetime)?
Regards,
Malli
Sir I invest in two mutual funds
Hdfc midcap opportunities
Icici blue chip groth fund
Kya ye fund’s market mai Shi h ya change kr du
Ek Sal se invst kr that hu 5000 rup
I am a new beginner in stock market,could you provide information on where to invest ,how to plan for both short and long term
Hi, Im Vaishnavi. I work with Penguin Random House, India.It would be great if you could share your contact details with us so that we can keep you updated with the books in the field of your interest.
Sir..Could you please throw some light on Essar Oil de-listing process.Should a minority shareholder participate in it? Should an existing investor sell at current prevailing price of 210.10 or adapt a wait and watch mode. please write an article on this
Dear Suresh,
I am regular follower of your blog and found lot of information in simplified language.
Can you please advise how much income tax will be saved on below products as per their maximum limit.
1.Contribution toward provident fund / PPF
2. LIfe insurance Premium
3. ELSS
Hi Suresh,
How a retail investor can invest either a Private Equity or Startups in India ?
Regards
Dear Mr.Suresh
If possible please provide some small cap stocks with unique business and future leader stock with entry price
How do the big investors like Rakesh J invest in pvt ltd companies? Is there a specific process to invest money? Can a group of investors invest together in such unlisted companies?are there any companies which invests on behalf of a small group of HNIs?I am interested in a C&S Electric
Dear Suresh,
As a reader, I would request you to consider writing on taxation for capitals gains (income from share trading) both short term, medium term and long term. How one can compute the taxation in the case of gains from share trading?
Hi Suresh.. Thanks for your investment ideas. Am looking for a steps or solution for Double taxation in the financial year. During the financial year, If I have been working in another country and if i return to india within same financial year, ( in case of stay more than 90 days + other last 4 yrs stay => 365 days ) i ll will have pay tax in india. I heard there is a form DTAA which we can submit to income tax department to get an exception. Could u please share with variable conditions if you know about this topic.Will be helpful for individuals who travelling for a short term less than a year in financial year. Thanks.
Dear Suresh,
If you can give brief on “OWN A PIECE OF INDIA” by TATA mutual fund. NFO contains 06 Mutual funds under one scheme. Advantages / disadvantages ?
Hi Suresh,
Appreciate if you can let me know the best family floater insurance available in the market today.
Thanks
Shankar.
Dear Mr.Suresh. I have been reading your articles. quite informative. Thanks. So far you hv jnot touched the subject of senior citizens who have retired from Psus who have no pensions like Govt. Deptts. How they can invest their post retirement benefits to get maximum returns but 100 percent safe. It will help lakhs of persons.
Thanks and regards. TARLOCHAN SINGH
Sir,
Please explain the meaning of “Market Movers”. The term does not mean volume toppers or highest gainers or value toppers, what does it mean?
I am planning to go to a foreign country related to work. Can you please share a blog on “Financial implications and mitigation steps in such a case”. Expect details on,
Details of Bank accounts
Existing PF account,
Tax saving steps and so on.
If such a post is already done appreciate if you could share the link. Thanks in advance.
Dear Sir,
Kindly advise advantages and disadvantages for below fund for your readers:
Mutual Fund Scheme Name :HDFC FMP 1111D November 2015
Thanks,
Nitin
Hello,
Can i request you to write an article about – Things to remember when you become an NRI (either by going onsite or becoming citizen of another country but still holding Indian assets and bank accounts)?
couple of friends are in both of the categories and we all wonder what all things we need to keep in mind.
everyone has different view.
Thanks,
Ankur.
Dear Mr.Suresh. Can you please advise if it is a good idea to put bulk money in bank FD (say Rs 5 laksh) and use the monthly interest for MF SIP? I know I will be taxed but then I am protecting my capital and gaining additionally through MF. What is your opinion on this?
Can you please advice for witch one is the best SIP plan to investment in 2016
Sir,
You recommended not to subscribe to cawasji behramji SME IPO. The scrip has provided 100% returns. You have been way off.
ShareDekho.com
Hi Sanjay, I give a full review. I indicated this IPO is good, however overpriced. There are many IPO’s where I said NO, but they moved high either due to investor sentiment or brokers manipulation. You should not forget cases wehre investors investd in such IPO’s and later there are no buyers.
I understand. However, if you observe all IPOs which have a unique business model- be it the likes of SH Kelkar, Oyeee Media or Cawasji Behramji- have provided good returns, or maybe its just coincidence.
ShareDekho.com
Hello Mr. Suresh, could you advise if I need to take an LIC policy like Jeevan Anand or something to gain tax exemption? Or what else can I do to claim tax deduction
Thanks
You can refer this article which provides best tax saving plans. https://myinvestmentideas.com/2015/01/best-tax-saving-investment-options-in-india-for-2015/
Hi Suresh,
I am new to investment in MF. I have a SIP but now i want to increase the amount i am investing in it. Is that Possible. Thanks!
IN MUTUAL FUND WHICH OPTION IS BETTER DIVIDEND REINVESTMENT OR GROWTH OPTION? PLEASE REPLY SIR. THANKING YOU SIR
Hi Suresh,
Can you please post an article on LOANS to purchase residential plots or lands?
Thank you
Kishore
Hello Suresh,
I like to have know about the pros and cons of investing in Corporate FDs online “Mahindra finance ” “Shriram chit funds” kind FD. Seeing the Rate of invest they provide is 11.13% which looks pretty good than our normal FD. So please can suggest can we invest in these kind of FD?
Thanks,
Hi Sir,
I want to invest Rs 10000 per month through SIP in mutual funds for long term ( about 15 years ). Kindly suggest me some good funds in different categories along with proportion of allocation in each fund .
Thanks & Regards
You can look in these funds. 1) Large cap – Birla SL Frontline fund / ICICI Pru focussed blue chip fund 2) Mid-cap – HDFC Mid-cap opps fund / Franklin India smaller co’s / SBI Midcap fund 3) Balanced – You can check HDFC Prudence / ICICI Balanced fund.
Advise on selecting the best fund
Dear sir,
I have invested in the following Mutual Funds.Could you please suggest if these can be continued in the long run as well over a period of 5years.
1) Kotak Select Focus Fund – Growth – Rs 10000
2) Birla SL Top 100 Fund – Growth – Rs 10000
3)AXIS LONG TERM EQUITY FUND GROWTH PLAN – Rs 20000
4)CAN EMERGING EQUITIES FUND GROWTH – Rs 20000
5)FRANKLIN INDIA SMALLER COMPANIES FUND – Rs 10000
6)L&T TAX ADVANTAGE FUND GROWTH PLAN – Rs 10000
SIP’s in TATA Balanced Fund and SBI BlueChip Funds
Further to it, i would like to invest in any of the SBI Mutual Funds for Long term at a one time investment of Rs 1 Lakh.
Please drop your valuable suggestion.
Good funds except for Kotak Select focus, L&T Tax adv fund. You can review and exit. There are better funds than this. If you want to invest one time in one of the SBI funds only, you can invest in SBI Blue chip funds.
Thanks for your valuable info.Please suggest any other better funds for investment for a period of 5-7yrs.(SIP/one-time)
Also,could you please post an article regarding “IPO” to have a clear analysis.
Sir my father wants to invest amount of 10 lacs for my child’s future …my child’s age is 13 at present , how will you suggest i should invest
Suresh,
Write about your views on DELL EMC acquisition.
Sir, If you suggest categorywise weight for proper debt portfolio…over 3 year period…from your 10 top debt funds will be fine…we can add some balanced funds 20% in portfolio to jackup debt portfolio returns? obver 3 year period.
Dynamic funds are not seen in 10 top debt funds.?
thanks.
Hi Suresh,
Will you be able to post ur analysis on CCD, next ipo ?
Just posted Crazyguy. Cafe Coffee Day IPO Analysis first on my blog 🙂
Thanks Suresh. 🙂
Have gone through it.
, I am Subramanian, I heared physically challenged persons parents can be eligible for IT benefit under sec 80DD & 80 U. My son is hearing impaired child. Recently I have done the cochlear implant surgery, & he is under the rehabilitation training. What are the docs are req to claim under sec 80DD & 80 U. pls guide me
sir recently no comments on sme ipo pls comment
Inder, today, I reviewed Cawasji Behramji ipo. Since SME IPO’s are not giving much returns to investors, I stopped reviewing them
Hi sir I am 34 yrs old. I want to bye mediclaim policy. Please suggest me which policy is comfortable for me
Mahendran, go through this article and post your furhter queries. https://myinvestmentideas.com/2015/08/best-health-insurance-plans-in-india/
Mutual fund Direct plans Vs regular plans- pros and cons
Ashish, I have already written article on this topic. Here is the link. https://myinvestmentideas.com/2013/05/mutual-fund-direct-plans-vs-regular-plans-which-is-the-better-option/
Sir , i have research on many life insurance polices . all are found very costly . if any one stop / surrender early then they can give negative return or stay till end then can give 5 % only kind return . then i take insurance from mutual fund like lic mf ulis, uti mf ulip they are not costly and have less expense in mortality can stop /surrender easily .
so i expect one report on this topic…..
Dear Suresh
Government has announced Gold Monetisation scheme, pl. enlighten us more on this topic such as how this would benefit the common man and its pros and cons.
rgds
Raghavan
I already written about that article sometime back, here is the link. https://myinvestmentideas.com/2015/05/how-gold-monetisation-scheme-is-win-win-situation-for-every-one/
Sir,
After the huge down-slide on 24/08/2015 in the equity market, things are not looking bright for the future.
What are your recommended investment strategies going forward? Looking forward to a detailed reply.
Always grateful,
Sharedekho.com
Hi Suresh,
Looking for a similar advice as sharedekho.
Can you please tell us how safe it is to invest in MFs/stocks in the current market scene, after yesterday’s Chinese disturbance in global market.
Thanks.
Ulhas.
Sir,
Please do the review of Universal Autofoundry SME lPO
I have stopped SME IPO’s as they are not worth investing. You can ignore Universal IPO which has thin margins.
What happened Sir? Why do you have such a negative outlook towards SME IPO?
Sanjay, I mainly look from investor point of view. I really do not know how many are getting benefitted from SME IPO’s. There are several comments / emails to me stating they are unable to sell their SME shares as there are no buyers. Also there are a few articles in leading websites indicating that promoters of such SME IPO’s are doing money laundering to divert their money. It is hard to take this stand, but I have decided not to analyse SME IPO’s anymore
sir all your sme recommendation was just perfect. please continue to give review. please suggest me on Sri Krishna Constructions BSE SME IPO .
Greetings…!
Suresh, can you please write on investment ideas and financial planning for merchant navy officers.
Just to add on, I’ll like to mention that we have to complete 183 days outside Indian territory to be a nri and then only we are exempted from tax. Also please advise about what kind of bank accounts we need to have. Presently I’m having a NRE SB account. I’m planning to invest in sip but can’t do so because my NRE acc doesn’t allow any credits within India.
Tried a lot to search online about various options but still unclear about which to choose. I’m following your blog since last one and half year and lot of your articles are very informative. Thanks for sharing your knowledge with us all. Awaiting your reply….!!!
ankit
Sir,
Is it possible to strip Mutual Funds monthly SIP Installment from another Mutual Fund? I know such stripping is possible between different UTI Mutual Funds. But is it possible to strip a Mutual fund SIP installment, say of, Franklin India Opportunities Fund SIP Installment coming from selling units of SBI Blue Chip Fund?
Please Reply.
Sanjay, You cannot do STP across mutual fund house schemes. Alternative method is do SWP in scheme where you want to come out and do SIP 3 days after that in new scheme where you want to invest.
Sir,
I did not understand your reply, could you please explain in layman’s terms with an example.
Thanks.
hello suresh’
i have brought some land in kerala and i am not getting any income from this land, i donot want sell it for next 10 years , could you choose this topic and explain me how can i make income from this property with out built or invest additional money
in the property by mortgage and redeposit
Hi Sir, I am Arun Prakash. I have a doubt regarding difference between pradhan mantri suraksha bima yojana and jeevan jyoti. Can one take both at the same time ? or is there any restriction to take just one ? please explain.
Hi Suresh, This is Kunal from Yahoo India editorial. We are interested in the kind of stuff you’re doing on myinvestmentideas.com and were wondering if you’d be interested in showcasing some of your content on the Yahoo India platform. Our reach and audience is immense and would work in your favour to broaden your audience base. Please let us know if you’re interested and we can work on the details. Please mail me on kunald@yahoo-inc.com since I will not be checking this comments space. Thanks.
Hi Sir
Can you please advise on recent SREI Infra Ltd, Secured NCD issue offering 11% interest. I am interested to invest in this. I am expecting an article regarding this. Thanks in advance
Hi Suresh
We have always been tempted by these holiday companies like Club Mahindra, Country club, RCE and many other. As a family yes, most of us are interested in going for holidays. But from a financial perspective does it make sense to sign up for 3-5 lacs? They claim we should look at it for a 25 years horizon. Does this make sense for an investment. And as such there are lot of issues reported on the web when the members try to book these holidays after taking up a membership. What they claim while selling these holidays are really not given after we take up the membership.
I request you to kindly do a compare and math and let us know if this investment is worth it.
Looking forward to your article as always.
Thanks
Rajesh
hi,
I see your articles regularly. Articles are coming good….. I would like to suggest a topic on which, if you throw some light, it would be useful for the investor. Topic I am going to suggest is
1. G-Secs/Govt Bonds: Basic concepts like how they can be purchased/sold, where, what is the yield and return relation etc would be useful
2. Analysis on buyback shares in addition to the IPO coverage would be useful.
Thanks
Hi Suresh
We have always been tempted by these holiday companies like Club Mahindra, Country club, RCE and many other. As a family yes, most of us are interested in going for holidays. But from a financial perspective does it make sense to sign up for 3-5 lacs? They claim we should look at it for a 25 years horizon. Does this make sense for an investment. And as such there are lot of issues reported on the web when the members try to book these holidays after taking up a membership. What they claim while selling these holidays are really not given after we take up the membership.
I request you to kindly do a compare and math and let us know if this investment is worth it.
Looking forward to your article as always.
Thanks
Rajesh
Hi Sir,
I liked all your articles & I started to invest more by reading your blog. Could you please provide on topic “how interest is calculated for PF & VPF?”.
Thanks,
Nirai
Hi Suresh,
Thanks for all your replies and analysis.
As Market is low now, I would like to take an advantage of this, What would be the best ELSS fund to invest now so that we can get some good returns, when the market is stablized?
Thanks in advance
Ranjit, Don’t worry about market. Start investing in best ELSS funds through SIP indicated in my previous article. Link attached https://myinvestmentideas.com/2014/12/top-5-best-elss-tax-saving-mutual-funds-to-invest-in-2015/
Hi I am Murali from Vellore Tamilnadu, I am a businessman, My wife is a teacher working for Telengana state.. Recently she has started selling SILK sarees which is supplied by me from ARNI & Kanchipuram.. I am dirctly purchasing from the weavers and supplying. she got very good response and also people said the price when compare with Show rooms it is 30 to 70% lesser.
If any body want to start with small investment like Rs.5000 to Rs.50000/- this is the very good option also can earn up to 30 to 40% profit.
Now she is earning monthly Rs. 10000 to 15000 in her part time..
If you do a turn over of Rs.10000 per month you can earn upto Rs. 3000 to Rs. 4000
If any body interested please call me at 09500199199..I will help you to start business..
Thank you Suresh for your awesome website..
Regards
K.Muralidharan
Hi Please can you suggest for the Home loan floating interest rate for the existing customers. On what basis the floating rate interest are fixed, because current interest rate is around 10.1 or 10.2 whereas for the existing customer in floating interest it was around 12%, please suggest
Hi,
Many thanks for sharing the valuable info.I really have a tough question that is puzzling me from past 4 years.Its related to Apartment flat/Individual house.I am seeing many people purchasing Flats of worth 30-40 Lakhs with bank loans easily.However I am sure if they take 25Lakhs as loan (remaining 15 Lakhs their own amount) for period of 25 Years they have to pay 25K per month, which seems to be almost double. Even then I am seeing many people purchasing flats.Even though they have cleared the due after 25Years which is their retirement age, the Apartment life time is also finished and hence it has to be re-constructed/value completely depreciated.Is this correct idea to purchase Apartment flat…? If so can you please suggest me why so.
Eagerly waiting for an answer on this.
Thanks,
venkat
Hi,
Is it better to purchase flat in Apartments or stay in a rented home.
Thanks,
venkat
Hi
Many thanks for sharing valuable information on your website.
Could you please share some information about how and where to invest in commercial properties in India, keeping in mind an average investor with medium knowledge and medium monetary resources.
Thank you
Hi Sir,
Could you please put some details about the “Term Insurance Plans” and “Health Insurance Plans” for NRE citizens.
Thank you,
Loyit.
can you please tell me the best health insurance in india for a 38+ year old, as their are so many
Suresh,
I’ve read some articles about GOLD ETF in this site. But no other ETFs. Can you write an article to know more about ETFs and their benefits, growth, negative points along with risk appetite level. Looking for your article on ETFs.
Regards,
Malli
Hi Suresh, Do you know any SIP where I can plan/change stocks to invest.. Like say 1 month, I want to invest in Gold, the other month in stocks, the next month in Commodity etc..
Vamsi, No. There is no mutual fund where you can customize the stocks in the portfolio
Investing in Options is a new and growing trend
Wondering if you can start writing on which stock options to select as its a fast moving environment where risk and rewards are high
could please suggest Do’s & Don’ts the investor should follow when Inflation is expected to decrease in near future
Good morning sir.. Please if u don’t mind can u review my portfolio..
I am saving 10000 rs in chit funds( local one)
10000rs in mutual funds( equity funds) sip
8000rs in recurring deposits
I have 10lakhs jeevan an and policy and money back policy for 1 lakh..
Good to onte this Bindu. 1) Check whether you have adequate life insurance. Consider taking a term insurance if required 2) Which mutual funds you are investing? Pls let me know so that I can guide you. Others look good. Don’t make addl investments in moneyback plans / endowment plans.
Thank u suresh sir, for the response…I am investing 10000 in 10 MF..1000rs each
1) franklin India smaller
2)franklin high growth
3) mirae asset emerging blue chip regular
4)mirae asset emerging bluechip dividend
5)morae asset India opportunities
6) uti midcap
7) uti equity
8) hdfc balanced
9)icici prufocuseed blue chip
10)hdfc midcap
I will take lic eterm for 50 lakhs with in 2-3 months
Invest in growth fund. Looks you are investing in dividend options also. If you want regular income, ok to invest in dividend options, else prefer growth option
How to assess ELSS schemes – different sites show different TOP 5 ELSS !! article on the topic would be great. Thank you.
Harinath, You should asssess on various parameters about top 5. If someone simply says these are top 5, don’t believe it. See this article where I have indicated how these are top-5. https://myinvestmentideas.com/2014/12/top-5-best-elss-tax-saving-mutual-funds-to-invest-in-2015/
I am having SBI Maxgain home loan to reduce the burden what are steps is that required to pay. Because the loan term 14 years already i have completed 2 years. I do not want to continue for another 12 years.
Could you please give advice on how to invest corpus received after retirement in MF & Stocks?
what should be the ideal portfolio in terms of MF & equity for retirement people if investor has high risk approach? Postal MIS, FD is fine but need suggestions to build wealth.
Suggest good funds for the same.
Could you cover current taxation policy as applicable to Mutual fund(s)?
Could you tell me the issue of SUUIT simply to mutual fund investors ? My age is 28 years. I have been investing lot of money in mutual fund by SIP route.
What is the lesson need to learned to from this for small investors ? Who is the owner of assets under SUUIT ?
Thanks for your time and reply
I was working with an IT Company last two years as Technical engineer.
But been from restricted family i am not allowed now to work due to my wedding plans & all…. but i want to grow in this world make name not fame please suggest me what business i can start @ home. i have bit amount to invest but kindly suggest such that it wont multiply my money 5-10 * but not even i get a loss in that.
please can you mail me … WAGHU SHAGUFTA — Email :- saniyawaghu1001@gmail.com
Greetings!
I am a US citizen residing permanently in India. I have an OCI card (Overseas Citizen of India). I have been living in India since the past 5 years and plan to continue.
Can you please advise on the investment avenues available for US citizens living in India with OCI? What type of investments are considered safe from the PFIC and FATCA laws of USA?
Dear Suresh,
LIC has introduced new Children money back policy which gives return of around 10% but very less money back starts at 18th year and full money comes on 26th year. Considering the inflation is this a wise investment? Seek your suggestion
Hi Sivaraman, I am reviewing this now and you expect an article in next 2-3 days.
Dear Sir , can you give the complete details about MF UTILITY recently introduced by mutual fund industry?
Dear Suresh,
I am JOHANN JOSEPH from Dubai.Regular reader of your articles.Can you suggest some term insurance (Life)policies.HDFC and ICICI are not offering online plans for NRI’s.Waiting for your reply.
Regards,
Johann
Hi Joseph, ICICIPru life is very much offering online term insurance for NRI’s. Can you pls recheck. Even HDFC life is offering NRI term insurance plans.
Dear Suresh,
Can you please share your views about starting a payment bank franchise.
+1. Also please compare with similar funds which has some portion into overseas.
Can you please review PPFAS Long Term Value Fund – Growth ?
Dear Suresh,
Please write a article for NRI’s.
If an NRI has some rental income should he file ITR?
If an NRI has an S/B a/c in india is it an offence?.
If an NRI transfer money every month to his s/b a/c in india is it an offence?
If an NRI transfer money to his wife a/c. she invest in FD. should he file ITR?
If an NRI invest in india in equities,mutual funds,FD by online demat a/c, should he file ITR?
Can you please review Reliance Retirement Fund ?
Already reviewed. It is latest article on home page
except online writing work or data entry work what type of works are there and how can i get paid through this. ans related to it what is paypal account
Hi Suresh ji.
can you please share your valuable analysis on investing in real estate through mutual funds?
My hearty congratulations for giving us such a wonderful scenario of investment ideas,anyway I am new to this blog ,,I wanna know all the details about ELSS fund,is this fund beneficial for retail investors like me
Could you please shed some light on MF Utility and how it can help existing investors.
Merits & demerits of MFU.
Thanks,
Pradeep
It would be nice if you can publish an article on “Ways for verification of real estate property/land authenticity before purchase”
also may be on “Procedure to buy a land/flat and registration process”
Dear Suresh,
First, I find your portal and comments very useful. Thank you very much for the great effort.
I am being requested by YES Bank Manager to invest in LIFE PERFECT PARTNER PLUS from MAX Life policy. I find this as only policy through which I can insure my 1 yr old girl. How good is the policy and reliable is the insurance company? Do you have alternative through which I can insure my 1 yr old girl?
Sincerely,
Anand
Sir, my request is would you please put some light on safest Bluechip Stocks for Long Term Investment in 2015 ? Prior thanks to you if considered.
Dear Suresh,
As I read many of your reader’s comments and queries JEEVAN ANAND POLICY questions are prominant.Due to aggressive marketing and ads in TV etc many have invested in this.Many also question you of surrendering and then a huge loss incurred in the process,so kindly shed some light on this perticular investment in your blog.
Thanks
Yes. i’m taliking about asset managing company … now SBI is looking to buy all schemes of uti …
Could you write about safety of money in AMC ? I’m not talking about the market risk. Things to look during acquisition, merger of one amc into another ?
Hi Govind are you talking about “Asset Managment Company”? Can you pls little clearer what exactly you are looking.
Hi Sir,
I have been following your blog since couple of months. I am an avg investor doing basic investments in LIC, NSC, PPF & RD.
Though I have heard about stock market I have not done any investments ever in any stock market, do not even dmat account yet.
After all my monthly expenses & savings, I am left with about 10 – 15,00 per month which I wish to invest into stock market.
Could you suggest me if its an wise idea. ( I am not looking at investing in MF /SIP etc) Is there any guide for begineer ? I am not at all from finance background hence what is safest way to chose stock to invest.
Thanks in advance
Abhishek, Best way is go through the articles which I am posting based on my personal experience. Go through every day and in next 20-30 days, you would know the investment options which are suitable to you based on your risk appetite.
Hi Suresh,
We are waiting for your valuable analysis on recently launched NFO, Birla Sun Lige Manufacturing Fund. Should we invest?
Sure, you would see in coming days
Hi Suresh,
One more suggestion. Today everything is going online.Even Insurance companies are slowly graduating to a online sales model. A lot of changes are happening fast. How about an article where you look at the Insurance landscape from a bird’s eye view, take a 5-10 year perspective and give your opinion on how the sector will be in future? I think it would provide a lot of insights to your readers.
Regards,
Sugeesh Sugathan
Hi Suresh,
Greetings!!
Can you write a review and write an article on two health insurance plans:-
1. Maxbupa Heartbeat first Policy.
2. Religare Care Health Policy.
This would be helpful for a layman to understand the features and benefits at a glance.
Regards,
Sugeesh Sugathan
Mr.Suresh, you have been giving good advice on Mutual Funds. Thank you very much. I would like to know about MNC Funds. Are these good investments going forward. I heard about Birla SL MNC Fund, UTI MNC fund. Are these good for long term investment of say 10 years?
Hi,
Birla MNC is an excellent fund, you can consider this .. But before investing take Suresh sir’s advice as well 🙂 all given is my personal Experience since am continuing this fund for the past 2+ years and got good returns till date .
Dear Suresh,
I recently saw news that CANFINHOMES is going for rights issue. Can you explain what is a rights issue? I tried finding an existing article but did not find it. If it is already there can you please direct me to it?
Kind Regards.
Please provide clarity on SBI Life – Shubh Nivesh plan if possible. Is it good to invest money on that?
Hi, thanks for writing such wonderful blogs. I follow them regularly. My query is, could you let me know what are the best investment options to invest a lump sum of around 30-35 lakhs as my uncle recently sold his old house and is with liquid cash and looking to invest. He need interest on at least 20-25 lakhs once in a quarter. Risk aversion is low to medium. He is not a senior citizen.
Thanks.
Dear Sir,
I am regular reader of your blogs.Last June 2013 you wrote about NPS.I heard there are lots of changes now like minimum protected amount etc.Can you please update.Like PPF can we put more or less amount per annum,I mean step up or step down of monthly savings.
I would suggest you to add search engine so that we can directly go to required blog like Post office NSC.
Thanks Many.
There is concern called Kumbakonam Mutual Fund Benefit Ltd of 100 years old. They offer RD @10.5%, any suggestion on the concern and risks involved.
They mainly based on Gold lending income.
– Sunil
i am investing 6500rs in mutual funds from january 2015 onwards in the following
1)reliance tax saver elss growth -500rs
2)icici pru tax paln- elss growth – 500rs
3)franklin india tax shield growth – 500rs
4)icici prufocused bluechip growth – 1000rs
5)hdfc balanced fund growth 1000rs
6)hdfc midcap opportunities growth- 1000rs
7)franklin india high growth companies fund -1000rs
8)franklin india smaller companies fund – 1000rs
my age is 24.. and i can take risk..i want to invest in them for more than 7+ years
I Want to take a term insurance plan for 50lakhs.. in lic e term plan around 6500rs per annum premium..
can u tell if the above are ok?? and can u suggest me an health insurance policy for single life
You are investing in good funds. Just check that you are investing tax saving funds for 80C and it is sufficient. Beyond this you should invest in mid cap funds and large cap equity funds. At your age, you can invest for 15-20 years and enjoy good returns. All the best and happy new year to you and your family.
Hi Suresh,
Please suggest me in obtaining a Home loan.
Actually i contacted few banks and i found Axis is good options. They are offering the HL with 2 offers as :
Offer 1. If i take HL 15-20 years the last year EMI will be waived off
Offer 2. If i pay the lump sum( More than Rs. 50000, can deposit number of times in the loan tenure ) amount they will deduct the amount from the principal and they will calculate the interest rate for remaining principal amount.
When I took the advise from few of my friends ; They are suggesting that:
1. I can bargain on interest as our company is one of the loyal customers for AXIS Bank.
2. Opt only for Fixed Interest rate for entire tenure than floating or partially fixed interest rate( First 1-2 years).
After discussing with Axis bank they are ok with 2 options.
So, kindly suggest me which one is better and if you can suggest any better idea other than this it will be helpful.
Thanks & Regards,
Venugopal
Schemes are good, however it depends on what interest rate they are charging. Currently HL are available 10% to 10.5%. Considering fixed rate for initial period and later on floating would be good option.
Hi,
I recently started reading you blog and found very useful. I am new to MF world too.
my suggestion on a new topic is – Managing Multiple funds for dummies 🙂
he is why i fee its necessary. I am sure there will be lot more like me.
Based on multiple rating sites and blogs, i have selected few funds. 2 buckets.
One on my name ans another on my wife’s name.
All through SIP of Rs. 2000/month. Direct and Growth plans
Bucket 1:
ICICI pru focused bluechip Institutional
HDFC Mid-Cap Opportunities Fund
Quantum Long Term equity
Franklin India High Growth
Franklin India Smaller Companies Fund
Bucket 2:
HDFC top 200
Mirae Asset India Opportunities Fund
I have stated few already and planning to start from next month. I am sure i will be adding 1 small cap or a balanced fund or infra or an international fund some time after 1st half of 2015. which i have not decided yet.
But the problem now is that some of my close friends warning me that i have selected too many funds and it would be problem to manage at some point.
I am 31 & know that i am already late to catch the market train, so i have selected above funds.
Now my Question is about managing multiple funds. Is there a better way to manage all these funds.
I plan is to keep investing for at least 5 years. But is there any problem if we want to redeem funds in un-fore seen situations.
I am not sure if i heard is correct or not. Is converting all these funds into demat format a good option? If yes which is the easiest way? probably free demat/online trading account type?
One last question, off the topic. are my both portfolios looks ok? Do you suggest any change or addition. Please suggest.
Hi Suresh,
Could you please suggest a best Health insurance policy where that could serve the Family and Individuals, which also useful for Tax benefits under Section 80D.
Could you please respond your thoughts.
Best Regards,
Srinivasa Rao. D
Srinivasarao, you can refer this article and take medical insurance suitable to you. https://myinvestmentideas.com/2013/11/best-mediclaim-policy-health-insurance-plan-in-india/
Hi Suresh,
I am an IT guy living in US and I am 32 years old. I don’t want to spend too much or also save too much.I would like to retire soon after I would get pension of 50,000 INR per month which is inflation protected. Does not matter if my age is 40 or 55. I can invest upto 1 lac per month. Please write some thing on retirement perspective too.
Thanks
Pritam
Hi Suresh,
I would like to know the Acts/rules applicable on the Multi Level Marketing Firms in India.
Sir, In your Top rated Corporate FD Interest Rates article, regarding TDS, if Interest is less than Rs.5000-00 No and if Interest is more than Rs.5000-00 TDS will be ducted on entire interest amount. To avoid this, we can submit F.15G/H to the company. Can we submit like that. So, many banks are accepting F.15/G and not deducting the TDS on interest.
Yes, you can do it
Hi Suresh,
I am planning to invest around 15K per month through SIP in the following 6 funds :
1. Birla Sun Life Top 100
2. SBI Blue Chip Fund
3. Franklin High Growth Cos
4. UTI Mid Cap
5. Reliance Small Cap Fund
6. Can Robeco Emerging Equities Fund
Can you please advise me on this portfolio. Thanks.
Thank you very much
in 2009 I invested 50000p.a. for 5 years in SBI Life ULIP (Flexi protect fund) the maturity date is aug-2019 and the sum insured amount is 2.5laks which i completed,
After 5 years now the current fund value is only 3.28laks,
Could u please suggest me i will quit or continue upto the maturity period.
My age is 35 yrs and I am willing to start new investments in PPF (50k) and an ULIP plan of icici pru – elite life lo maxi miser Rs 2 lacs. Can u pls let me know is my decision good in investing in both products w.r.t. Returns. I am actually skeptical about icici pru elite life specially due to charges and returns on investment. Pls suggest
Thanks
Hi Suresh,
Would you advise if we can invest in Indian Railways (May be IRCTC or any other related company) and Flipkart (or any e-commerce site). I know, these would have better returns in next few years.
Regards,
Sandeep
and India Post too
Hi Suresh,
Could you please help me on this when you get a chance?
Regards,
Sandeep
Sandeep, How do you want to invest in Indian Railways or Flipkart which are not listed companies nor they are running any MF’s. Pls rephrase your question
I am sorry, Here is what I meant by “can we invest in these companies”:
My thought is that Flipkart, Indian Railways, India Post will have a good growth in India. I would like to be part of their growth.
Is there a way that we can invest in these companies? I tried to search online, but didn’t get much information. Also, as you said, these are not listed BSE/ NSE etc.
No, you cannot invest in these companies as they are yet to go public for shares
Dear Suresh
I am daily viewer of your blog ,My age is 32 now, Last June I started sip for the following funds for 15 years, Please advise me the fund is good or need to change/modify and also I would increase the fund value from 7000 to 15000.
could you please suggest me for any other funds, so that i can divert my portfolio
ICICI pru focussed blue chip fund -2000
ICICI discovery fund – 2000
Quantum long term equity fund -3000
Good funds, stay invested
Sir,
Please advise regarding investment the amount in a way that I may get interest of a portion of investment and balance in FD with Tax Savings scheme.
regards
Sir
Please suggest me best mid & small cap mutual funds for long term sip,
Regards
Khanra
Invest in these funds. HDFC Mid-cap opps fund / Franklin India smaller co’s / SBI Midcap fund
Dear Mr.Suresh,
Greetings. Your site is awesome. You are doing great job about educating investors especially in mutual fund segment. I heard about scripbox.in. Whatz your view ? Pls elaborate about its pros and cons.
God bless you
Regards
G.Fernandes
Suresh,
Could you pls suggest Best Mutual Funds to invest in 2015
Regards,
Raghav
It is on the way Raghav. I am doing some more research to give good funds for 2015. Expected in next 2 weeks.
Suresh, Thanks for all your suggestions. Can you suggest few equity MF which give good dividend regularly ?
Sure. I would cover this next week
Can someone please tell me is moneycontrol top showing mutual funds picks reliable ….i mean last two weeks there were BIRLA SL funds in each category now FRANKLIN funds are there…? is there some kind of partnership between MC and the AMC’s?
Jumanji, Though they are reliable, they would change based on Crisil ranking. You can keep visiting our website to check on how to pick right funds suitable to you
since u have been a long user of icci direct plz do a short review of ICICI DIRECT.their charges,buying mutual funds thru it,demat and its alternatives since its becoming quite cumbersome for me to mange my portfolio..
Hello Sir,
Thanks for all your replies for our questions. Here is one more question…
I have been investing 5000 per month in SIP’s from the past 6 months. Below are the funds. Please assist whether it is good to continue with the same or do you want me to change something?
ICICI Pru Focused BlueChip Eq Fund-Reg(G) – 1000
UTI Opportunities Fund(G) – 1000
UTI Pharma & Healthcare Fund(G) – 1000
ELSS
ICICI Prudential Tax Plan – Regular Plan – Growth – 500
Canara Rob Equity Tax Saver Fund-Reg(G) – 500
Franklin India Taxshield(G) – 1000
Hi Suresh,
Could you please look into my question?
Good funds Selvam. Stay invested
Hello Suresh,
Thanks for your replies that you have been giving me. One more Question. I would like to buy a medical insurance for my parents who are 54 and 50 years now. Could you please suggest me a best Medical insurance plan for them. I dont know anything about those insurance plans. Please explain it little clear in your answer. My budge would be 26K for both of them.
TIA,
Ranjith
Ranjit, refer this article which has some recommendations. https://myinvestmentideas.com/2013/02/top-health-insurance-plans-in-india-for-parents-senior-citizens/
my aim is 50lac in 24years,start sip in rel. equity oppor,icici pru velue discovery for each 1000. pls advoice
Good funds. Invest in these funds too. 1) Large cap – HDFC Top-200 / ICICI Pru focussed blue chip fund 2) Mid-cap – HDFC Mid-cap opps fund / Franklin India smaller co’s / SBI Midcap fund 3) Balanced – You can check HDFC Prudence / ICICI Balanced fund.
Hi Suresh,
I have been following your blog regularly. And they are very useful. I am already investing in MF’s thru SIP’s every month. And now I would like to invest in equities on daily basis. Meaning I need to get an additional income of atleast 200 bucks by buying and selling of equities on the same day. Need your help on which one to pick for the daily transactions.Some of my friends are already earning 500 bucks per day by buying equities at around 9:00 AM and selling them at around 10:30 AM. Please assist if it is good or not and if good, need your help in picking up which one is best
There are several ways we can earn in a day in stocks. It could be intraday, futures etc., I am doing trial run on some of the stocks and in case this is successful, I would start posting some tips every day.
Dear Sir,
Thank you for your valuable advises and articles.And thank you for your latest article on high dividend yield stocks. Sir, I have brought SBI stocks last week and willing to keep buying through SIP method for long term prospectus and brought YBrant digital. Please give me advice on SBI mainly, can it be very good for long term prospectus and about Ybrant. Both I brought last week.
Thanks and Regards
Rajesh Kumar
SBI is a good bet. Keep investing during corrections. About Ybrant Digital, I am yet to review
Dear Suresh,
Can you please advise on best ELSS funds for long term.
Check this article. https://myinvestmentideas.com/2013/11/top-5-tax-saving-mutual-funds-elss-in-india-to-invest-for-2014/
Suresh sir, I want to invest 5000rs in 5mutual funds. i have selected them. Can u plzz tell whether they are best or not?
1) hdfc mid cap opportunities (mid cap)
2)icici pru value discovery fund(mid cap)
3)mirae asset india emerging opportunities fund (diversified equity)
4)hdfc balanced fund( balanced)
5)reliance pharma fund( pharma)
I am 23yrs old.. and iwould like to invest for long term..i can take risk.. but i wanna built a good portfolio..
Good funds Dheeraj. Note that 3 out of 5 funds are high risk (mid cap and pharma). You should be aware of this when you are investing. All the best
if u can change any mutual funds in the given list, i would be happy sir. will it be good if i replace the relaince pharma fund with a large cap fund like icici prufocused bluechip equity
Among them, you can remove Mirai asset opps fund and consider the one which you indicated Dheeraj
Please come up with a detailed list of brokerge firms providing facility of subscribing to IPOs
Hi Suresh,
I am following your blog for last 1 year and your articles are very informative.
Can you please write an article on discount brokers like zerodha..
Regards,
Siva
hello sir,
i want to invest rs 5000/- for five years in mf and i choose some funds
1)hdfc balanced fund (g)
2)birla sl frf-long term plan (g)
3)franklin india iba-a(g)
should i invest on these funds ?????????
First 2 are good. Third one, ignore it. Invest in better funds.
Hi Suresh,
Would like to suggest a topic for your next article:
“Hidden cost in Mutual Funds/SIP and actual returns from these instruments”.
Regards,
Vivek
L& T Super Top up vs. Apollo Munich Super Top up medical claim policy please give comparison of benefits, coverage , added advantages , premium etc..
Which one is better.
Jeevan Arogya premium at joining is Rs. X does it increase every year with the age after purchase of policy?
Agent says LIC accepts photo copies of medical bills for settling claim is this correct , do they have rights to change this rule.
Suresh..kindly comment:
1)
My Icici lifestage ulip policy find value is 3.5lakh today. I had invested1 Lakh eachin 2009,2010 & 2011. Surrender charge is 4%and an additional 12.36%on this 4%as service tax. Roughly 16000 Rs.
2)
LIC policy converted to market plus LIC green channel policy. Units are multiplied to NAV value to get find value.invested 70000 & 92000 in 2007 in 2 policies. Both have a value approx 1.5 lakes today.
I am thinking of reinvesting in a mutual find or NCD after surrendering both Icici and LIC. Your comments please.
2)
Pls do that. However before doing, pls take adequate term insurance plans and then surrender.
Hi Suresh
Please post a topics of high potential stocks for wealth creation
Hello Suresh,
could you clarify how i can calculate the return on investment rate on the following types of investments ive done?
HDFC Mutual fund – i’ve invested rs.1lakh 8.5 yrs back- now the value is rs 234000/- i did a simple interest calculation and a 15.76% rate comes up..is this correct?
For an FD maturity amount do we need to do a cummulative interest formula or simple interest?
For KSFE govt chitty , how do i calculate my return?
for an IPO which i held for over 8 years?
Kindly advise
rgds
Nisha
It should be compounding interest formula. See this link where you would find the formula http://www.excel-easy.com/examples/compound-interest.html
Hi Suresh,
I am 24yeras old and planning to invest in the following funds 1K each per month for 10 to 20 years. Please let me know what you think of them.
Large cap ::
ICICI Pru Focused Bluechip fund (G)
Birla Sun Life Long Term Advantage Fund (G)
ELSS ::
Reliance Tax Saver (ELSS) Fund-(G)
AXIS Long Term Equity Fund (G)
Small & Mid Cap ::
Franklin India Smaller companies Growth
Birla SL Pure Value Fund (G)
Balanced::
ICICI Balanced Fund Growth
HDFC Balanced Growth
Hi Suresh,
Can you please share your valuable analysis on Manappuram Finance Limited NCD – issue opening 15-Sep-2014 and closing 8-Oct-2014? Is it worth investing? How secure is it?
Pls see my previous analysis about this company at this link. While interest rates could be different, you can get details about company. https://myinvestmentideas.com/2014/03/manappuram-finance-secured-ncd-mar-2014-you-can-invest/
Hi Suresh,
Nice to see people like you sharing the facts with the public and providing financial knowledge to us.
It would be great if you can put an article on How to manage the post retirement corpus amount.% wise split ,like how much % of liquid money,How many into investment or FD kind,for another 15 years or so from the age of 60 kind of.
As there are no one in my times to educate on these finance related thing during my times and i just wanted to know atleast now i safeguard and secure the amount and dont put it in wrong hands.