Please suggest topics to blog about

Dear reader, can you please suggest topics for me to blog about?. I am not asking because of 'writers block' after 541 posts.  Recognising common issues/problems faced by investors and associated FAQ is not my strong suit.

More than half the posts published so far stem from my own curiosity. I  rarely speak or interact with friends, relatives or readers about money management (aside from the workshops where personal interaction is minimal).  Therefore, I think it is time that I expanded my horizon and dealt with generic problems faced by readers.

I do have quite a few posts and calculators lined up. However, I think it is best to intersperse them with topics suggested by you. Please use the comments section for the same so that other others can view it. Repetition can be avoided this way. Thank you.

Note: 

  1. Topics should be generic and not personal. Kindly do not share personal details.
  2. It would be great if you can suggest topics that would be of interest to many readers.  Typical problems that you face in personal finance is a natural place to start.
  3. Please use the search feature on the right sidebar to check if the topic has been covered before.
  4. If I am not familiar with your suggestion, I shall seek expert advice if possible.
  5. Some topics may take longer to write about that others. So I cannot process suggestions sequentially.
  6. Please do not request mutual fund reviews. I have done some reviews before and all necessary tools for DIY review are available here.

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71 thoughts on “Please suggest topics to blog about

  1. Sujit

    Hi,
    Brief info on tax implications of MF investment (equity, debt, liquid funds, ultra short funds, etc) can be touched upon.

    Reply
    1. Sujit

      I know there is LTCG and STCG calculator tools are available....but what I am (and may be other readers would be) interested to know is just listing or explaining the tax implications on gains as of today. Kindly suggest.

      Reply
  2. Sujit

    Hi,
    Brief info on tax implications of MF investment (equity, debt, liquid funds, ultra short funds, etc) can be touched upon.

    Reply
    1. Sujit

      I know there is LTCG and STCG calculator tools are available....but what I am (and may be other readers would be) interested to know is just listing or explaining the tax implications on gains as of today. Kindly suggest.

      Reply
  3. Nidige Kumar

    Dear Pattu Sir,

    One blog topic I want to suggest is about spread sheet application on income tax management for stock traders (short term capital gain, business income, speculative income, setting of losses etc.,). This could be useful for filing tax returns without hassles.

    Thanking You.

    Reply
  4. Nidige Kumar

    Dear Pattu Sir,

    One blog topic I want to suggest is about spread sheet application on income tax management for stock traders (short term capital gain, business income, speculative income, setting of losses etc.,). This could be useful for filing tax returns without hassles.

    Thanking You.

    Reply
  5. Ankit

    I have been reading almost all the posts ... 2 topics i would want to learn more would be..

    1) an automated mutual funds SIP Returns calculator having start date...SIP date ..amount...and returns on the current date..and its ranking as on the current date vis-a-viz others

    2) Few analysis and reports to help users understand , mutual funds which can give sureshot returns better than fds and arent risky ( i hope u get my point) . Your previous posts tell about how to shortlist mutual funds..but then these are all related to risks... I m sure u can create a blog having a way to shortlist funds which can give better than FD/Debt fund returns and non risky

    Reply
  6. Ankit

    I have been reading almost all the posts ... 2 topics i would want to learn more would be..

    1) an automated mutual funds SIP Returns calculator having start date...SIP date ..amount...and returns on the current date..and its ranking as on the current date vis-a-viz others

    2) Few analysis and reports to help users understand , mutual funds which can give sureshot returns better than fds and arent risky ( i hope u get my point) . Your previous posts tell about how to shortlist mutual funds..but then these are all related to risks... I m sure u can create a blog having a way to shortlist funds which can give better than FD/Debt fund returns and non risky

    Reply
  7. Maries

    Dear Sir,

    I have some ideas. You can change the excel based calculators to web based calculators. Actually I tried to copy some of your calculators and develop a web based tool and show it to you but couldn't find time. I planned to start it after April-16. I need a web based calculator because I am using linux in my home. So I can't use the calculators in my home. But I think that is not the case with majority of readers. Mostly everyone is using windows or Mac, in which they can able to run your excel sheets. If you are interested in discussing further, send me an mail. We will discuss how to make progress in this idea.

    Thanks for your blogging.

    Reply
  8. Maries

    Dear Sir,

    I have some ideas. You can change the excel based calculators to web based calculators. Actually I tried to copy some of your calculators and develop a web based tool and show it to you but couldn't find time. I planned to start it after April-16. I need a web based calculator because I am using linux in my home. So I can't use the calculators in my home. But I think that is not the case with majority of readers. Mostly everyone is using windows or Mac, in which they can able to run your excel sheets. If you are interested in discussing further, send me an mail. We will discuss how to make progress in this idea.

    Thanks for your blogging.

    Reply
  9. rama

    sir, it is about whether india will face another 2014 situation that is rise in the market and when it will be. May be it will be after 5 years or more but when it will come.

    Reply
  10. rama

    sir, it is about whether india will face another 2014 situation that is rise in the market and when it will be. May be it will be after 5 years or more but when it will come.

    Reply
  11. Nitin

    I would recommend a list of common tricks used by agents to lure customers into investing in wrong financial instruments, be it be ULIPS, child plans, endowment plans etc. which can become as a Wiki page. Recently in my office, one of the bank guys came to sell endowment plan wrapped in different financial jargon. I tried to explain to my colleagues as to how expensive it will be in the long run. Couple of them were still lured by the small amount of pension that they guarantee after 30 years, not realizing the actual value post retirement

    Reply
  12. Nitin

    I would recommend a list of common tricks used by agents to lure customers into investing in wrong financial instruments, be it be ULIPS, child plans, endowment plans etc. which can become as a Wiki page. Recently in my office, one of the bank guys came to sell endowment plan wrapped in different financial jargon. I tried to explain to my colleagues as to how expensive it will be in the long run. Couple of them were still lured by the small amount of pension that they guarantee after 30 years, not realizing the actual value post retirement

    Reply
  13. Dilip Kumar

    Respected Pattu,

    Recently I have visited RBI site and came to know that they had initiative in developing a nice financial dairy.(site - rbi.org.in/FinancialEducation/content/DIARYE310113_F.pdf ).

    I think a excel sheet in line with above concept would be of great help to one n all.

    With Regards,

    Reply
  14. Dilip Kumar

    Respected Pattu,

    Recently I have visited RBI site and came to know that they had initiative in developing a nice financial dairy.(site - rbi.org.in/FinancialEducation/content/DIARYE310113_F.pdf ).

    I think a excel sheet in line with above concept would be of great help to one n all.

    With Regards,

    Reply
  15. Parsh

    1.Can we live on rent forever and not buy into real estate at all? What should be the things to consider for such scenario considering if you are living in city you stay put in one city only. Is there a possibility of create a calculator for evaluation of same.

    Reply
  16. Parsh

    1.Can we live on rent forever and not buy into real estate at all? What should be the things to consider for such scenario considering if you are living in city you stay put in one city only. Is there a possibility of create a calculator for evaluation of same.

    Reply
  17. Ankit

    You could write something on the economy as a whole. What exactly is GDP? Why should it keep increasing with time? Why can't it just remain constant? Is the total money in the universe increasing? Is it all relative? etc, etc...

    Reply
  18. Ankit

    You could write something on the economy as a whole. What exactly is GDP? Why should it keep increasing with time? Why can't it just remain constant? Is the total money in the universe increasing? Is it all relative? etc, etc...

    Reply
  19. Mani Sri

    Mr. Pattu, Most of the blogs have centered on MF. How about other investment avenues and considerations that need to be placed? e.g. topics to blog could be 1. how should one chose stocks 2. Value investing concepts and how to evaluate value stock 3. How does one look at gold as financial planning metic in the overall scheme of FP and what treatment should be given to it? 4. What type of value or consideration should one give to the real estate in over all FP? etc. In a nut shell I would like to see evaluation tools for other avenues of investment ... Thanks....

    Reply
  20. Mani Sri

    Mr. Pattu, Most of the blogs have centered on MF. How about other investment avenues and considerations that need to be placed? e.g. topics to blog could be 1. how should one chose stocks 2. Value investing concepts and how to evaluate value stock 3. How does one look at gold as financial planning metic in the overall scheme of FP and what treatment should be given to it? 4. What type of value or consideration should one give to the real estate in over all FP? etc. In a nut shell I would like to see evaluation tools for other avenues of investment ... Thanks....

    Reply
  21. Prakashnie

    Sir I would like to know how to manage post retirement fund progressively and tax efficiently. As safety , income generation and capital appreciation are all equally important. As all of us will be having expense above basic exemption. You can take husband and wife both into your working. Retirement age 60 and life expectancy 85. For late planner at 50 and early planner at 40 for retirement say.

    Reply
  22. Prakashnie

    Sir I would like to know how to manage post retirement fund progressively and tax efficiently. As safety , income generation and capital appreciation are all equally important. As all of us will be having expense above basic exemption. You can take husband and wife both into your working. Retirement age 60 and life expectancy 85. For late planner at 50 and early planner at 40 for retirement say.

    Reply
    1. Meena Shivram

      I like this suggestion. I would also like an article on how to manage the accumulated funds properly post retirement as this is very important. Most retirement planning articles focus on how to accumulate the corpus. While accumulation phase is very important, we cannot deny the fact that efficient management of the corpus post retirement is also equally important.
      Some of my queries are:
      1. Should one take annuities?
      2. How to implement the bucket strategy of Pattu's calculators? I.e strategy to move funds from one bucket to another etc
      3. How tax efficient are FDs if we keep large sums there?

      Reply
  23. Rushit Shah

    Dear Sir! Can you briefly explain thru(video) blog on Comprehensive Financial planning for a Joint Family?

    Reply
  24. Rushit Shah

    Dear Sir! Can you briefly explain thru(video) blog on Comprehensive Financial planning for a Joint Family?

    Reply
  25. Saurabh Singh

    Hi. i was thinking if you could have the next post about handling volatility in MFs and Equity. As you would have seen, the Sensex and other broader indices have been quite volatile since after hitting the lifetime high in January end.

    Reply
  26. Saurabh Singh

    Hi. i was thinking if you could have the next post about handling volatility in MFs and Equity. As you would have seen, the Sensex and other broader indices have been quite volatile since after hitting the lifetime high in January end.

    Reply
  27. Siddharth

    After the initial basics personal finance is all about mental tenacity, 'emotional intelligence'. A reflection on the tough times, decision you had in your journey and lessons from that.

    Reply
  28. Siddharth

    After the initial basics personal finance is all about mental tenacity, 'emotional intelligence'. A reflection on the tough times, decision you had in your journey and lessons from that.

    Reply
  29. vijay iyer

    Sir, as a doctor i find the Excel graphs difficult to understand - and there are plenty of them !!
    Is there a lesson for dummies !
    Thanks,
    Vijay

    Reply
  30. vijay iyer

    Sir, as a doctor i find the Excel graphs difficult to understand - and there are plenty of them !!
    Is there a lesson for dummies !
    Thanks,
    Vijay

    Reply
  31. Kumar. NS

    Patty sir,
    Can you please blog an article about - How much percentage of Large cap & Small/mid cap fund should an investor have in his portfolio (with a risk profile of 60% equity & 40% debt)?

    Reply
  32. Rajanikant Gajjar

    Why not to detail on topic that is most important & close to your heart,FINANCIAL FREEDOM?
    Agreed, you have written about it, but,good things always can become better.
    You represent common man,so topic close to your heart,can be everyone's area of interest.
    wish you all,all the best

    Reply
  33. Bharath

    Please consider some topics for NRI's (from both US and UAE) perspectives for investment. I am sure you will have many NRI readers and you will be able to track their geographies.
    I am reluctant to invest in India because of FBAR, US and procedures around it. Savings interest rate here in $ is next to nothing. I have no idea of mutual funds in US and how secure it is. I don't have long term plans to stay in US to begin with and so not inclined to invest in US. Funds here are very opaque and I will not know the risk involved until it happens. Big corporate name (BOA, JP Morgan, AIG) being fined heavily by law enforcement seems like a day-to-day happening and I don't trust them for investments. Savings account is FDIC secured, is the only avail. I have become real estate averse both in India and US after reading thro many financial blogs around !! I am sure you can provide some good tips on the same. Thanks.

    Reply
    1. Aparna

      Hi Bharath,
      Me in exactly same situation. However, I have made some basic research and invested a little bit of money into fidelity funds through 401k and vanguard for Roth IRA. I think you can consider Roth, as your contributions are liquid. Agreed mfs in US are tough to understand initially, but so was Indian mf in the beginning. I still invest in India in my mother's name, and it has no complications, as I am a single kid.

      Reply
      1. Bharath

        Thanks Aparna !! Myself working on a 5yr non-immigrant visa and I don't see any benefits investing in 401k/retirement schemes here for me... Not sure if I can pull off the 401k amounts while in India on retirement age , a good 30yrs from now.. But will definitely think of investing under parent's name.

        Reply
  34. vs

    I've always loved fourier transform and its powers. Now that I am into personal finance too, would love to use its power (and application) to stock/mf analysis. A blog along those lines will be great...

    Reply
  35. ajit r

    surrender of Life insurance policies.....many of us have taken life insurance policies considering it as a part of investment portfolio....however later many have realized that it is not worthwhile to hold such policies as an investment....how to evaluate the surrender of such policies....the financial impact of surrender of policy Vs investing the premiums(saved due to surrender of policies) in mutual funds with returns @ 10%

    Reply
  36. NANDAKISHORE

    Dear Pattu, thank you for asking. simple and effective management of 'distribution portfolio', real life examples to address luck factors (non sequential returns, inflation and reverse rupee cost averaging), protecting portfolio from emotional blackmailers (Eg: close relatives), various temptations and addressing them, plan b(if portfolio erodes after 60). Such experiences/ideas can help to develop personal strategies

    Reply
  37. Neville Lobo

    Dear Pattu,
    Not sure if this falls under DIY Financial Freedom. But could you do a blog on making a will. Let's say a review on the online will offered by HDFC, etc

    Thanks

    Reply
  38. Anish Mohan

    Dear Pattu-Sir, I was taking a session on Financial Management the other day in office with young engineers to try to instill baits of financial planning. The list of calculators I think has come to a time which can be rationalized and made comprehensive. E.g. The child planner and retirement planner and equity-debt distribution calculator could be merged into one single artefact , say, the unified financial plan (UFP). So my request is, to revisit the calculator section and start the unifications process since this is one thing that can be adopted by regular readers of your blog.

    Reply
    1. Anish Mohan

      Dear SIr, sorry for being daft about suggesting a unified plan. I realized later that you had indeed made a integrated financial plan. Ignore my suggestion

      Reply
  39. lakshminarasimman

    sir
    how about all formalities procedures required for investments which office to where to register etc
    like when buying plot what steps to do..
    like what you have to do after marriage..after child born etc
    changing nominations registering will etc

    also subra sir posted about what if children die before parents then what to do for retirement etc

    Reply
  40. muneer hajara manzil

    Hi Sir, My suggestion is to have articles about stock specific from time to time as they are fluctuate always.
    I know you already said that you don't do company/stock reviews. Hope Difficult but not impossible for you,I believe.

    Reply
  41. Sai

    Dear Pattu Sir,

    Thanks a lot for all your contributions on personal finance, Can you discuss the downside or problems that could arise for an NRI in the following scenario. He had a Resident indian status in his PAN card and he moved abroad and did not change his status and continue to invest in the same status without changing the status. In simple terms, what would be the implication for an NRI if he continue to invest in the resident status. Thanks in advance.

    Reply
  42. Anil

    Sir, the predominant content as I see from your blog is on Indian equity funds. if we were to diversify our portfolio to have one/two funds which exclusively invest in another economy(US/ Brazil/ Russia etc), would you be able to run some comparative analysis of emerging economies and throw some light on which specific countries you find attractive that one can consider to have as part of a long term portfolio?thanks!

    Reply
  43. abc xyz

    1. FATCA
    2. What should the investor do when he moves to US for 3-4 yrs time horizon w.r.t
    a) Existing MF Holding
    b) Existing Shares

    Reply
    1. Aparna

      1. Sell if your total net worth is more than US equivalent 10k dollars, or whenever it exceeds.
      The above solution is if you want to avoid the hassles of reporting them in U.S tax returns and pay taxes on even notional gains. But if you are ok with the hassles for 4 years, you may continue to hold and do what is necessary while filing returns in U.S.
      2. You can open a PINS Demat account after closing the existing Demat, and buy back those shares. You can buy back mf units in demat form too.

      Reply
  44. baljit

    what about " Dollar Cost Averaging aka SIP analysis of S&P 500 and BSE Sensex " like annalysis for other international indices, e.g. 'nikkei 225' may give another eye opener results (especially post 1990s). if facts are facts , we better gulp the bitter pill and be more cautious.
    regards

    Reply
      1. baljit singh

        thanks a lot sir. these two articles have helped to pat myself for what i did with my retirement money. (any way , no one knows the future. i think one gets what GOD has fixed for him). your blog is very very useful and is saved as favorite in my browser and i read every article. (by the way i brought my daughter (20 yrs) for your delhi w/s). best part about your writing is , IT HAS more INFORMATION and less OPINIONS.
        regards

        Reply
  45. Jay Cobb

    Came across articles that refer to HUF and how tax can be saved however the articles were never easy to understand/apply. Can you demystify HUF and if it can be a tax saving tool. Thanks.

    Reply
  46. Sridhar

    Pattu sir

    One series could be an analysis of the criteria used by different well-known investors (Warren Buffet etc as well as Fund Managers) to evaluate investment options and choose the right vehicles.

    You could also expand this to Venture capitalists and angel investors, since they also look for a strong business model, financial plans, Management capabilities, previous performances etc before investing.

    Reply
  47. Venkatesh

    Pattu sir,
    Your blogs and the amount of details available are extremely good. But it would be overwhelming for a beginner or a new person trying to understand various aspects of personal finance especially if they don't have a college degree. can we have a much simpler version of basic principles of personal finance for people like this?As a teacher, I am sure you would be helping students to understand the concepts you teach by transforming the content to their level. I am requesting the same in your blog too.

    In addition to this, as most of the us don't speak English, can we look at the possibility of translating your blogs into native languages so that it can reach more audience? I understand that some technical terms have to be in English. but if we can give this thought a try, it would be great. we can take help from willing readers of the blog to translate the content in to native languages. I can help you with translation for Tamil. Other interested readers please volunteer.

    I am requesting both of these based on my personal experience. I am the first graduate in my family and no one in my family understands English or Personal finance concepts. I help them currently with basic concepts in native language but it would be fantastic to have your content in native language.

    Reply
      1. Venkatesh

        Thanks for your support sir. I will work on the translation of some of the blogs containing basic information and share it with you. You can review and publish it.

        Reply
  48. Anand

    Sir, how about covering the other half of income-savings-investments? ie Tracking and wrangling with Expenses? I am keen to understand how an expert like you would log and manage expenses.

    I went from writing expenses (in a 100 page bound book !) by date - then throwing it away to logging all expenses categorised ( eg: groceries, tax, utilities etc) and I noticed wastages and was able to cut down wastages...

    Reply
  49. Arup

    You may like to do some mathematical work on alternative to SIP. For example, ICICI direct offers an product called TIP(Target Investment Plan) in Mutual Investment section. Main feature is that one has to select a target amount, expected rate of return & duration. Accordingly, they will tell you monthly installment.However, the same will go up or down every month based on market value of the your total investment & let you know the amount to be invested on the TIP date 7 days in advance. Basically, one invests more when market goes down & vice versa. Can you please do some mathematical work on this to show how return varies from a SIP & / or some other way of investment to maximize return with much stress?

    Reply
  50. S. Narayanan

    A blog to help NRIs relocating- especially the Gulf-based people have no PPF, EPF,pension etc , and they are about to loose the tax-free status. How can they manage the retirement corpus, which might include foreign currency deposits.

    Reply
  51. Mr. Satarawala

    Hi

    We can subscribe to tax free bonds in an open offer
    OR
    We can pay brokerage and buy older tax free bonds with higher rate of interest in the secondary market

    In the secondary market the price of the bond is efficiently adjusted - also called "dirty price"

    Do you have a calculator which tells us at what price buying the bond from secondary market makes sense?

    Await your response

    Regards

    Khushroo

    Reply
    1. freefincal

      Higher interest rate bonds will be available at a premium. The higher price is set such that yield of older bonds is equal to the yield of newer bonds. So considering that we need to pay market price + accrured interest, and the yield is lower due to higher price, there is best price involved. It is only a question of evaluating your need.
      Pl do not include your email or links in the comments.

      Reply
  52. DILIP KUMAR

    I have recetly read on economica times that about 132000 crores of investor money has drained in last 2 days(drop of appx.650).

    Really is there any calculator shows off the where those money is been drain out with respect to total market ?

    Similarly for mutual fund houses also?

    Thanks and looking for the same.

    Reply

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