A lot of you reply to the daily emails with suggestions for posts, and I really appreciate that because it gives me post ideas, and I can write about stuff that is most relevant to you.
Normally, I take the gist of your suggestion; create a title of the post, and note it down on a virtual sticky note. But, the issue with this is that it is easy enough to miss an email, and sometimes the titles on the sticky notes don’t make any sense to me when I look at them later on.
So, I am creating a page here that is specifically for your suggestions for posts. You can leave a comment here suggesting an idea for a post, and if I know enough about the topic I will write about it.
That way we won’t lose track of anything you say, and if multiple people suggest the same topic for a post then I know that it should be written prior to moving on to other things.
Thanks for reading – and writing!
1. A post on Nidhi companies.
2. To whom should be air our grievance if fd amount is not repaid on maturity
Please file your complaint with the below link. But ensure you register yourself before you file a complaint:
http://www.consumercourt.in/fixed-deposit/
J – I’m afraid I don’t know much about Nidhi companies to be able to write about them. Sorry.
1. A post on Nidhi companies (if not done earlier) can be done.
2. I have invested in fd of unitech. Maturity amt. yet to be recd. even after a month. Pls. advise friends not to invest in this co. Pls. let me know to whom i can complain.
What to keep in mind regarding financial planning when you are expecting a baby?
What is the correct time to start saving for baby’s education, marriage etc.?
Hmmm, well this is certainly new and I had never thought of this topic before…I’ll try to write about it though I don’t know how well it will come out. Thanks for the suggestion!
This isn’t new, but maybe nobody asks it. Every would be parents have this burden. Especially if both are working and the female will have to quit the job, creating loss of income.
Oh yes, I perfectly accept the need to think such a thing through and plan for it – I meant more in terms of if I am competent enough to write about this – but I will do my best.
thanks
Yes cost of one income is gone in too high. You need to plan very carefully for it. And always have a backup plan. Circumstances change and you might have to join job before you planned.
How to create a retirement portfolio through equities?
Interesting question, and I think there was a comment here earlier about creating retirement income for parents – I think these two topics lend themselves well and can be written in a post. Thanks!
Hi Manshu,
There is a discussion going on NPS. Can we have a comparison between NPS and PPF options.
I think people should stay away from NPS right now (unless they are in government service) – it’s a good idea that has been ruined in the implementation by government and it’s not worth your time right now.
What would you suggest, going in for purchase of Muthoot NCD would be a good deal say for two year.
For a small part of your portfolio yes – see today’s post here:
http://www.onemint.com/2011/12/20/muthoot-finance-secured-ncd-issue/
Can you give some insight on some of the worst financial world crisis in the past . Let us take Mexico crisis of 1994, East asian crisis, Hyperinflation of Germany ( 1920) , Zimbwambe etc.
This helps to see contemporary things in perspective
That’s a good suggestion and I’ll try to write a post on it or at least link to other good posts that I find. It’s going to take some time though due to the several posts already lined up.
Thanks!
Can you please cover a topic on TAN ( known as Tax Deduction Account Number) as many people are not aware of its existence.
I’m sorry but I don’t know enough about this to write an article about it.
Please find the details of the offer in short:
Name of the Issue : Muthoot Finance NCD – Series II
Issue Date : 22nd December,2011
Issue Size : Rs.300 Cr + Rs.300 Cr. Green Shoe Option
Period : 2, 3 and 5 years
Interest Rates:
Annual Option : 13%, 13.25% and 13.25% for 2, 3 and 5 years respectively
Cumulative Option : Double in 5 ½ Years
Minimum Investment : Rs.5000 and multiples of Rs.1000 thereafter.
Closing Date : 07th January, 2012
Apologise so much, it got wrongly posted here instead of another place. Sorry!
No, no, no need to apologize! This is great info and spurred me to find the document that I was looking for. The post will be up shortly – thanks a lot!
Dear manshu,
what is your opinion on elder pharmaceutical ltd? They have come out with FD scheme offering 12% interest.
regards
ganesan
I have no idea about them, and I’m currently not inclined to learn more about them and write a post on their FD. That’s due to the large number of other posts that are lined up already, and the low appeal of this particular FD.
Please do a post on Muthoot NCD – II
http://www.muthootsecurities.com/Muthoot-NCD.htm
Sorry couldn’t locate their offer documents or any other source of info about the company.
Please find below the details of the offer in short:
Name of the Issue : Muthoot Finance NCD – Series II
Issue Date : 22nd December,2011
Issue Size : Rs.300 Cr + Rs.300 Cr. Green Shoe Option
Period : 2, 3 and 5 years
Interest Rates
Annual Option : 13%, 13.25% and 13.25% for 2, 3 and 5 years respectively
Cumulative Option : Double in 5 ½ Years
Minimum Investment : Rs.5000 and multiples of Rs.1000 thereafter.
Closing Date : 07th January, 2012
There are thousands of institutions either employing people or form them into various groups of interest. Why they do not take group insurance policy with a benefit of at least Rs2.5 -5.0lakhs for life and Rs. 10 lakhs for Accident benefit.
I don’t know anything about this.
health insurance schemes
Hi Manshu,
In the previuos budget there was mention of employers contribution into NPS can be accounted as business expenses & the employee also getting tax benefir under 80C. Has it become law, can i use it from this FY??
I have got 50000 rs that can be unused for 6 months. Is it worth investing in liquid funds. My friends say let it be idle in savings bank because there is a short term cap.tax in liquid funds. Your guidance please.
One of my friends, a senior citizen (63) is expecting a large inflow of money (Rs.5-10 lakhs in one or more installment) within a short period of say below 3-12 Months.
He already owns a house but has income below the taxable limit of Rs.1 lakh. He has no loan liability.
He wants to know the best possible SAFEST AVENUES to preserve this amount for at least 5-7 years with NO TAX and NIL RISK.
Can you give some options / suggestions
Mr Hariharan
Senior Citizen savings scheme which gives a return of 9% pa is ideal. This can be opened in SBI or Post Office.This is safe and the returns are assured.
But then that is taxable is it not?
Safest avenues are bank fixed deposits, postal deposits, senior citizens scheme as Mr. Ramamurthy point out, there are issues of tax free bonds that come out and though those are slightly higher risk than these other options, they are still fairly safe.
But frankly, from what I see of the mindset of your friend – the best thing would be to stick with SBI FDs – that’s the safest thing I can think of and though they aren’t tax free – your friend may never hit the taxable limit with his earnings.
Can you please give me the information on Best Children Future Plans
I am Suman. Can you please suggest me best Children Plan for my daughter future secure. My daughter age is around 1.9 years. What ever you suggest I will go with that. I wish to give best secure future for my kid.
I am a middle class family only. I want to be a best father of my child.
I am planning to pay 2000/- per month. Please suggest best plan for my kid.
1. ICICI Prudential Smart Kid New Unit Linked RP
2. Birla Sunlife Children’s Dream Plan
3. Aegon Religare star Child
4. HDFC SLIC Young Star Super
5. Kotak Headstart Future Protect
Thanks,
Suman
Thank you for the suggestion Suman and I appreciate your sentiment – I must admit that I have never looked at any children plans ever so I really don’t know much about them. I would say that it is not necessary to buy a children’s plan to secure your child’s future. You can very well do this by investing in PPF, tax free bonds, fixed deposits and diversified funds yourself. From what I’ve seen of insurance company’s investment products – they are a bit too complicated and don’t have all that attractive returns. I can look at these products but it will probably take me very long and it might be better for you to start investments in some safe debt instruments yourself.
hi,80ccf bonds gives rebate upto 30% of invested amount with maximum limit 20000 ie
20000 for people in highest tax slab give effective return of 17% ie 6180 tax saved of 20000 and buyback option after 5 years gives 30780,
the intrest is taxable,how the maturity intrest taxed……..?
The maturity interest is taxed the same way other interest is taxed – by adding it to your taxable income and charging it at your slab.
Manshu – Wonderful brainstroming session here on newer topics. Great step! Just love your site.
Btw -what time zone do you work in? I see most FB posts very early in the India day.
Thanks I appreciate that.
Which works better in Taxing saving funds segment..?
Go for Canara Robeco/HDFC Tax savers – good returns over long durations. Just note that when DTC comes into effect in Apr 2012 ELSS will no longer be eligiblw for 80C deduction.
Rajesh – here is a post that I did on Tax Saver mutual funds, and you can look at the list therein.
http://www.onemint.com/2011/12/07/an-update-on-elss-tax-saver-mutual-funds/