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!
Hi Manju,
First of all let me thank you for writing such informative n useful articles time and again.
I want to know more about recently released Government bonds. How to buy them,comparison with FD at 9.5%interest rate.
I have 3 lac rupees with me and i want ur opinion on the best instrument to invest in for monthly income for next 5-10 years. IDBI FD is currently running in my mind at 9.5% interst rate but after TDS the effective return will be 8.5215(kindly correct me if i m wrong).
There are some tax free bonds that have listed at a discount and you can look at buying those too along with the fixed deposits. If you are at the 30% tax slab then these are a good option too.
Difference between returns of fixed deposit and a mutual fund. kindly calculate and let us know the annulised return (how it is calculated in case of mutual fund) both on fixed deposit and mutual fund considering the interest of fixed deposit at 9.25 % and three mutual fund (one medium performing fund, one high performing fund and one bad performing fund). Kindly calculate and let us know the return supposing one time investment of Rs. 10,000/- only.
If possible kindly calculate and let us know the comparison of returns of Rs. 5,000/- SIP in mututal fund each month for five years and Rs. 5,000/- monthly subscription in RD account giving 9.25 % interest for five years.
With regards.
Om
I suggest you do not compare FD with MF investments for the following reasons:
1. FDs are safe and protected by banks. These are treated as risk free. Further the category of banks such as SBI improves your risk situation as it is backed by the Government of India
2. Though MF offers schemes with capital protection but these are not risk free. In fact you need to monitor these almost daily to see their NAV performance. MFs performance over the last two years has been dismal with or without SIP.
3. Each MF scheme has to be evaluated for its past and present performance in relation to the market conditions. Upon evaluation one needs to take under consideration the economic scenario that is likely to unfold in the months/years to come to extrpolate the growth or de-growth in NAV for computing the likely return one can earn.
4. Monitoring market on a daily basis requires time, effort and diligence. Those who are not active investors are well advised to move towards safety and protection of capital.
If you require any specific situational analysis please let me know.
SSK
dear sir,
now banks hav started charging more than 100% for lockers in banks
one of this is JANKALYAN CO-OP BANK LTD
general public does not even knows about this rate hikes and why a sudden and drastic increase in rates of lockers
allready v r having many committements and in this banks manager is saying V HAV NOT
CHARGED YOU FROM LAST 10 YEARS
what a stupid answer….
Dear Sir,
Please discuss Tax Implications for FIIs and confusion vis-a-vis GAAR
Thanks and Regards
Vinod Kulkarni
Dear Sir,
I have Insurance Policy ‘Dream Life’ with Bharti-Axalife Insurance Co. My Policy No is
–deleted–
Beyond saying that the co will act on the request at earliest no action was taken so far –
your liaison in this regard is solicited.
Parasuram Parameswar
As I told you earlier, this is a blog and I don’t have the bandwidth to work as a liaison for you.
Dear sir,
FOLIO NOs : 406116791314/ 406116791325/406116791336
I purchased NFO ‘Reliance Small Cap Fund’ open ended OFF LINE in Aug/Sep 2011. Three
applications were made in my name (single holder with three different nominees) – each for 1000 units. Preference for Demat was given in the application to my ICICI Direct Demat
—deleted—
Co ordinated action by all agencies can only provide solution to this vexatious LIMBO situation.
Dear sir , I seek your help in getting SOAs so that I can thro’ Transfer Instruction get the units a DEMAT, Linked to my Trading A/C.
Thanking you
P.Parameswar
I feel your pain, but this is way beyond what I do here or can do for you. Unfortunately, I can’t suggest you a better way to do this either. Also, I’m deleting the part of your comment which has Demat numbers etc. because that shouldn’t be shared like this in public. All the best.
Would you please write about the fineprint in ICICI’s branchless banking account (promoted as b2)? The rate of interest and services seem too good to be true. I am not able to find more information on the net apart from this Mouthshut review & its comments (http://www.mouthshut.com/review/ICICI-Bank-review-osspmstlqm)
Thank you.
That’s a great suggestion – I wasn’t aware of this till now but would like to explore this and write about it – thanks for bringing it up.
When does the inflation data get released every month. Is there any fixed date (i-e 15th of evry month).
Also want to know when would rbi review it s policy , i-e whether monthly , quarterly ??? and on which date the same is released ?
Need clarity on above since i’m planning some investments ahead of this every month
Here is a post with the important economic numbers which includes WPI inflation. Next date is 14 May 2012.
http://www.onemint.com/2012/04/17/important-indian-economic-numbers-and-their-release-date/
Hi Manshu,
I need to know step by step procedure to start Shares or Mutual funds. We all know what is MF, shares, or Bonds. But how to begin to be part of it. All I know is savings account, so what next. What do i do for other accounts? Where to begin?
Thank you. You are doing a great job.
So, you mean how to buy shares or mutual funds or bonds? That? That’s actually a very wide topic, and I’m not sure how to handle that in just one single post. What I would suggest is that you start following the series I’m writing right now on how beginners can approach investing in the stock market.
This is the link and this will be a good place to start in my opinion.
http://www.onemint.com/2012/03/14/how-beginners-should-approach-investing-in-the-stock-market/
Hi Manshu,
Many sites says definitions but not how to be practical. Your posts talks more practical. I am benefited from your posts.
Yes, I do follow your posts. I am waiting for your new posts.
Being an immature investor, I do understand most of how stock markets works, however, I have trouble trying to comprehend how a share price is calculated at any given time. Lot of people have provided me with different theories but clearly no one had a good understanding. The most common and simple answer I got was “based on demand and supply” – DuH – what an intelligent answer! Also my Google searches didn’t lead me to any satisfactory explanation.
I want to know that given the what the demand and supply is, how exactly, at a micro-level, is a share price (displayed at the exchange) calculated? What formulae are used? Are they too mathematical to be understood by a lay person? Who calculates, validates it – computers, humans? Who is responsible for it?
It’s a great question, and I’m surprised you haven’t found a clear answer to it yet. The process is all automated and is based on the bids and asks sent to the exchange and their automated matching program. I’ll see if I can write this up in a lot more detail of course but it is simple enough for anyone to understand.
You might find the pre open session post on this interesting as well.
http://www.onemint.com/2010/11/29/what-is-the-significance-of-pre-open-session-of-the-stock-exchanges-we-see-from-9-am-to-9-15-am-daily/
No formula is used to calculate the price of a share, because in secondary market price is not calculated. The price of a share is decided by the market, by we people, by the purchaser and the seller. It is a game of demand and supply.
The past and present performance and even the future prospects of a company is the main force behind its demand. And when a share is in demand its price is likely to go upwards. And when a company is not performing well there will be slump in the demand and the price is likely to go downwards.
Performance is not the only factor that decide the price/market trend. Many other factors like economical, financial, political, judicial or social factors/situations/news also have a say in deciding the price or overall market trend.
I think he wants to know the method behind that Umesh which is the process of matching bid and ask orders with volumes.
I think, he being an immature investor should not dig that deep to know the process etc but if he just want to have data and statistics of bid and ask orders with volume or any other data then there are many websites/blogs like nse/bse sites that can help him
How to become an long term equity investor? I mean to say do I need to pursue any courses for that. As I am a BCOM graduate I don’t face any problem reading financial statements but other stock market and economy factors are alien to me. Please help.
No, there are no courses for this kind of thing – you just need to read up on this kind of thought process. There are a lot of good books about this, you could read the ones written by Peter Lynch to start off.
Hi Rakesh
Just to be an equity investor you need not pursue any course. But if you want to study about equity market just visit http://nseindia.com/education/content/education.htm.
I am retired. Want to be benefited by trading during steady trends. Pl give the technical analysis sites & blogs. Suggestions for efficient usage of them may please be given !!!
I would say it is better for you to stay away from technical analysis as a lot more people lose money in that than make money, and when the market falls sharply like it did last year or 2008 then it is very hard to find cover or cut losses. Generally, the losses run very deep and market changes direction very quickly. I don’t think there is such a thing as a steady trend, and my thought on this would be to stay away from the market completely.
Investment decisions in debentures or bonds…..
Selection on what basis…and other decisions…and
Muthoots idea of NCDs doubling your money in five and half year….
I don’t think I have a lot to say on this apart from spreading your money around and not getting exposed to any single company. I’ll see if I can write more than that on this.
Hi
Today I read a news about Home Loan.
Customers who have taken home loans from HDFC under the dual rate scheme are facing a peculiar problem. From April’1 , once their rates shift from Fixed to floating , their floating rate will be higher than the current floating rates, due to higher spreads.
Currently, HDFC’s floating rates vary between 10.5 to 11 per cent, depending on the amount. For customers whose loans become floating from April’1 , the rates could be in the 11. -12 per cent range, due to higher spreads over the RPLR ( Retail Prime Lending Rate ).
Here, my question is what is higher spreads and why conversion floating rate will be higher than the current floating rates, due to higher spreads ?
Please explain.
Thanks in advance.
Frankly, I’m not familiar with this situation and this is the first time I’m hearing of it but let me look at this and see what’s going on here. Thanks for the suggestion.
Can you provide a detail review of Postal Life Insurance ?
I’m not really familiar with this other than knowing it’s for government employees only (and I’m not even sure of that) so I don’t think I can write about it – sorry.
Sir,
I want to buy term plan. suggest me from which compny i should take. The premium of LIC are larger than any other companies like ICICI, HDFC, Kotak…
A lot of topics have been covered regarding Insurance and Investments for Indian national residing in India.I am yet to hear a topic about the NRIs purchasing foreign Insurance and Investment products.I would say that 100 % of the expatriates especially in the Middle East are being taken for a ride in these avenues .Consultants acting on behalf of large brokerages are earning commissions in the range of 100%-140% of the first year premiums being paid by the policy holders.
They are wrongly selling Insurance products to customers in the name of Investments and Mutual funds…Really feel sorry for all the expats fallen in this trap..
I have been following your post for the last 5 Months, it is very very usefull, your way of presentation on any topic is very very nice,even a lay man will understand it, thank you very much .
” BIS Hall marking of Gold Jewellery ” – Is it Correct that the purity (.916, .875 etc ) mentioned on the BIS Hallmarked gold ornament, is just the surface purity of the ornament and not of the entire ornament, i also understand that hall marking is done on a sample from a lot and not on 100 % ornaments. it would be nice if you could write post on ” Hall marking of Gold Jewellaery”
Thanks
JMMohandas
pls suggest me……
If buy ETF gold so transaction charges are Applicable are not ,
If yes. so how much during buying and selling.
Thx….
Yes transaction charges are applicable similar to what they would be applicable in the case of trading stocks.