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!
Dear Manshu, thanks for your valued posts on various topics, which are simple, straight & useful.
Could you pl.post an article on financial planning meant for “Recently retired/awaiting to just retire, with no pension & have to support themselves till the end.
pl.advise Suitability of Metlife Monthly Income-7pay & LIC’s Jeevan Tarang & IRR/NET RETURN .
Keep doing good work…….Regards.DILIP MISHRA
I am keen to know what documents or contracts we need to make when one lends to a friend a ‘debt to be repaid’. and how de we p;an taxes if we charge an intrest
There are many articles on how to plan for retirement.It will be nice if you can discuss on how to plan once one is retired.I am likely to retire in couple of months.I will receive a large lump-sump amount.I don’t know what to do except for FD.An article on this topic will really be appreciated.
Please suggest which is the best Tax free Bond for buying from secondary market today
Why is the gold price soaring so high? is there no end to it ?
Its OK to not mix investment & insurance together but what preferably plans should be taken individually..?
Recently I read a news about german 2 year note yields fell to record lows of minus 0.01 percent , what does this actually mean(the minus sign on bond yields)?
The German government issued two year bonds with a zero coupon which means that it has no interest rate at all. People bid it at an auction and bought it slightly less than the face value so they can make a little money when the bond matures at face value. But then briefly, while trading the bond’s market value went over the face value which means that people were paying more for the bond than they will get back hence getting a negative yield.
I am looking for a retirement plan please instruct me in subscribing a plan where I can get fixed pension after completing 60 years of age.I am now 26 years old.
I think right now it is just better to invest in products like mutual funds, FDs, bonds etc. without worrying too much about a pension plan, specially because there aren’t any good pension plans available in the market.
When you have enough money, which I’m sure you will do since you’re planning so early, you can invest it yourself to build a regular monthly income.
Hi Manshu,
The articles were really good and helpful.. it would be useful for us if you can post an article on insurance policies.. which one would serve better.. Life insurance policies or Endowment policies.. Thanks!
Hi Madhav,
I’m guessing you are a new reader 🙂 true?
Yes Manshu!
I say that because I’ve been writing about not mixing insurance and investment for ages now and this type of question hardly ever crops on OneMint. You’re much better off taking a term insurance for your insurance needs and then look at different investment products that will suit your investment need.
Hi Manshu,
Since i am new to the investment arena, i have decided to play safe with investing in MF’s through SIP monthly plans. I have been monitoring funds for quiet some time and noticed that prices are fluctuating day by day.. My question now to you is whether i can wait for some more time or immediately park my money in the funds which i have identified. This question comes on the background of bearish market that we are facing..
Another option what i thought is to deposit my money in bank FDs for a short span and once the market rejunevates i shall start investing into MF’s. Which one wud be a better option..kindly provide your views.. Thanks!!
Hi Manshu,
Since i am new to the investment arena, i have decided to play safe with investing in MF’s through SIP monthly plans. I have been monitoring funds for quiet some time and noticed that prices are fluctuating day by day.. My question now to you is whether i can wait for some more time or immediately park my money in the funds which i have identified. This question comes on the background of bearish market that we are facing..
Another option what i thought is to deposit my money in bank FDs for a short span and once the market rejunevates i shall start investing into MF’s. Which one wud be a better option..kindly provide your views.. Thanks!!..
Hi Manshu,
Can we have a detailed analysis on Debt Funds and the type of funds in India. There have been a lot written about it here and there and Value research has given various stars. But if you actually see Debt funds have ideally become popular over the one year period. Well should one invest in them or not?
What should I do in such case if I have already invested. Should I continue or stop it
Stay invested up to lock-in period and then get out.
Dear Sir,
I owned a ICICI Pru Life Stage Wealth-1 Plan for Tax saving purpose for 5 years on an yearly installment of 50,000. The agent assured me that at the time of maturity, I will get a sum of Rs 4,50,000.
I don’t know much about this, can you direct me weather its true & if its not what returns i will get if I continue the policy.
If you are regular reader of this blog then you don’t have to ask these types of questions.
Insurance companies are meant for insurance not for investment. Approach insurance companies for insurance only. Never make any investment just because it saves income tax . There are only four investment which are really a investment and saves tax. PPF, Bank FD, ELSS, Infra bonds. Other tax saving schemes are waste of money. For insurance choose term plan.
Just pay up to lock-in period then stop paying future premium start a sip with hdfc tax saver, icici tax plan ie for investments. Take appropriate cover from online term plan of company which offer lowest premium. 10 times of annual income is good cover. Invest 50% of your saving in EQUITY MF sip and rest in bank FD, RD , Liquid funds , FMP. For more details send your age and goals then I can send you more details. [email protected]
First fix your goals ie child education, home, child marriage ie. For goals more than 5 years choose equity mutual funds. For goals less than 5 years choose bank RD, bank FD, liquid funds, FMP. Always have at least one month salary in liquid funds for emergancy. Take insurance from online term plans of different companies ie bharti axa life. choose plan on the basis of premium . Always fill true information in insurance. For mutual fund please take help of expert because mutual funds have many variety here you need help. You may also contact me. For bank FD, RD direct check websites of banks.
dear sir,
I am regular reader of information provided by you through emails and your web. I want to know details about overseas account for trade in us markets and if we buy shares that are listed in us market will we get the dividends of these shares and how.
Hi Manshu,
I am looking for your advice on investing Rs.50000 per year for next 5-7 years. I am mainly looking for an investment (not keen on insurance) which yields after 5-7 years a guaranteed moderate (certainly not high) return. In other words, I do not want to be liable to pay income tax on maturity amount. [I have realized that FY2012-2013 budget has made mandatory to maintain premium to sum assured ratio to be 1:10. Those insurance plans which do not follow this ratio are not exempted for tax on maturity].
What advices do you have for such group of investors?
Regards,
Mac
Hi Mac,
There are several things you say that confuse me, for example, you say your are looking for an investment, not an insurance but still go ahead to describe insurance provisions which should be irrelevant in your case right?
You also say you are looking for a guaranteed moderate return, but then say that in other words you don’t want to be liable to pay tax – those are not the same things at all now are they? You can get returns after paying tax as well, can’t you?
Also, what’s your definition of moderate returns?
Insurance and investments are two different things. Never made investments in insurance policy of any type. Paying income tax is not crime. your best investment plan is bank RD and nothing else for the time horizon of 5 to 7 years. And if you are in higher tax bracket you can opt FMP. In FMP you get benefit of indexation. For time horizon of 10 years or more equity SIP is best option here returns are totally tax free and highest return. For more details ask me.
Dear friend,
tell me next inflation date and RBI mandatory policy date.
Regards,
Niraj
July 31st is the next announcement Niraj. You can bookmark this page if you want which has the important dates:
http://www.onemint.com/2012/04/17/important-indian-economic-numbers-and-their-release-date/