Are there any Investment Options which are really THE BEST?

We always want the best in our lives and we always like to give the best to our beloved ones. It is applicable to personal life as well as personal finances.

We would like to invest in the best mutual fund schemes, best real estate property, best bank fixed deposit, safest investment option, best Demat Account, best life insurance scheme, best health insurance scheme and the list goes on….

So, do we really have the best investment options available? The answer is NO.

Then, why do some of my articles have ‘THE BEST’ written in post titles or in posts’ content. Why do I write about ;

  • Best Term insurance plans
  • List of best investment options
  • Best Family Floater health insurance options (or)
  • Best Home insurance plans …

Before providing an answer to the above question, let’s discuss some of the real life case studies;

Most of us use search engines like Google / Bing to get the details or information about investment or savings options. And it is not a secret that majority of us do search based on the keywords like ‘best….’. When we want the best, we search for the best 🙂 .

So, how do I get information about the keywords or what are the popular search words used by my blog visitors??

I do interact with my blog readers a lot. I try to get information from them. Another source is, a product called ‘Google Analytics’ (owned by google) which gives us lots of insights about the blog visitors ‘search behavior’.

I have done keyword analysis for my Blog on Google Analytics. Below is a sample report. You can clearly notice that hundreds of users are visiting relakhs based on the keywords like ‘best mutual funds’, ‘best term plan’ etc.,google-search-result-best-investment-options-pic-Investment Options

Let me explain this to you with couple of real life examples;

Case Study 1 :

One of my blog visitors who is from a small town in Rajasthan has visited through google search. He discovered on the web for the first time in 2015. He has sent me Facebook friend request and I have accepted his friendship on FB.

He has asked me ‘which is the best LIC plan for my child?’ on FB Chat messenger. He also said that he has posted the same question on Google search and reached my blog. He had read my article on ‘LIC’s new children’s money back plan – review.

I have posted the same question in Google search box and got the below search results. (Search results may slightly vary depending on your search history / location etc)google-search-result-best-child-plan-investment-option-pic

I did not want to keep the post title as ‘the best child plan’ for this article’. I was also very well aware of the fact that people will use the keywords like ‘best child plan’ to know about these kind of life insurance plans.

Actually, this is a meaningless product and my intention is to tell my blog visitors how bad is this product and encourage them to buy a Term insurance plan. So, I have consciously used worlds like ‘LIC child plan’ in the post title and ‘the best term insurance plan’ inside the post content.

My blog reader from Rajasthan had gone through this article and ended up buying a Term plan for himself. He realized the importance of having life cover in his name.

I am glad to say that he has also started SIPs for meeting his child’s higher education expenses.

My mission is accomplished….!

Case Study 2

This is another real life example about one of my blog readers from Pondicherry. She is working as a Govt teacher and a single parent for a girl child.

She first visited through a search word ‘best mutual fund for small amount’ and reached for the second time when she was searching for details on ‘Sukanya Samriddhi Scheme’.google-search-results-for-best-mutual-fund-schemes-pic

Though her main purpose of visiting my blog is to get some information about MF schemes, she ended up reading other suggested articles in the ‘best mutual fund scheme article’ and started planning her finances well.

I am proud to say that she has now created a simple financial plan with monthly SIPs in two mutual fund schemes, took a term plan for Rs 30 Lakhs, has a Personal Accident cover and has written a WILL on her Kid’s name.

So, let me be frank and disclose that there are no Best investment options or best insurance schemes as such. No two families have same financial profiles. The best mutual fund for you may not be the best for your friend. Also, the best list may not be a comprehensive one and/or may change over a period of time due to many factors. Personally, even I do not like to write such articles. Sometimes I do feel guilty about this.

I strongly believe in writing articles based on the audience interests and tell the story in the language they understand. The main aim is to reach out as many investors as possible through the blog and encourage them to have a holistic view on their finances.

Most of us give high importance to ‘Product oriented approach’ instead of process oriented approach. That’s the reason why we see more search keywords starting with…THE BEST… on Google.

May be, if I had not written articles on THE BEST.. then ReLakhs would not have been discovered by many of the internet users.

Though I write articles on the best…I make sure that I provide links to ‘process based’ articles. I also encourage the readers to read multiple articles on Personal Finances.

I am very happy to say that most of my loyal blog readers are now posting queries (on Forum / Blog Comments Section) related to creating a goal based financial plan instead of posting queries on specific financial products..!




I believe that the day is not very far when majority of the investors start searching for ‘How to create a plan’ (or) why should I invest in this plan?…kind of keywords on search engines.…until then ‘THE BEST’ series will be continued….

But kindly do remember that it is PERSONAL Finance, so personalize (or) customize it as per your requirements! There is no best investment scheme as such!

If you can not plan your finances on your own then take help of a trusted advisor or fee-only financial planner.

(Image courtesy of Stuart Miles at (Post published on : 09-September-2016)

  • Himanshu says:

    Sir,You are the Best…

  • Sairam says:

    Dear Sreekanth,

    this is the first time reading your blog and really very useful, could not stop reading all your topics… there are only a few people like you who are giving the right advice without any business motive.

    Thanks a lot for all the knowledge sharing, keep going. thanks again.

    • Dear Sairam..Thank you so much for your kind and motivating words.
      To be frank, I do get some revenue from this blog through Advertisements.
      But as opined by you, we try our best to write unbiased articles and we are not associated with any Financial product / service provider.

      Kindly share the articles with your friends and do keep visiting 🙂

  • santosh kumar kar says:


  • Amit Sharma says:

    Hi, very informative article.
    I am 28 years old and I am searching for good investment options. I just came to know about peer to peer lending as an emerging platform in India and wanted your views on that.

  • mitra says:

    dear sir,
    do you know any term insurance which has got survival maturity benefits for which i can go?

  • AKSHAR GHOSH says:

    Dear sir,
    I have consolidate my portfolio in 5 equity mutual funds as follows :
    1. SBI bluechip fund – Direct Growth
    2. ICICI pru value discovery fund – Direct Growth
    3. HDFC balanced fund – Direct Growth
    4. Mirae Asset Emerging Bluechip Fund – Direct Growth
    5. DSP Blackrock Micro-cap Fund – Direct Growth.

    I also made another portfolio for my wife with the following 5 equity mutual funds :
    1. Birla SL Frontline Equity Fund – Direct Growth
    2. Kotak Select Focus fund – Direct Growth
    3. ICICI prudential balanced fund – Direct Growth
    4. Franklin India Prima fund – Direct Growth
    5. Franklin India smaller companies fund – Direct Growth.

    We have been investing Rs 1.5 L each in our PPF accounts as debt component. Our time horizon is 8-10 years though we have no definite goal except retirement plan.

    Should we go with the above investment plan or need any modification? Should we decrease the number of funds? Please suggest me the best.

  • Naresh Reddy.Komma says:

    Hi Sir,

    I would like to invest rupess 4000 per month for my retirement.Kindly suggest me best SIP’s. I am 31 yrs.

  • Deepak Gora says:

    Dear Sri,

    Thanks a lot on doing your bit in making fellow people aware of the importance of insurance and investment..

    Would like to ask about a health insurance plan, that will cover me and my mother.

    I’m 25 years of age and my mom is 58 years of age.
    Please suggest if I should go for a family floater plan or separate insurances.

    Also keep in mind I want a best plan that suit my mother’s age.

    One thing more, I will be getting married in another 4 years, so will I be able to include my partner in the plan that u’ll be suggesting or not.

    Awaiting your response.


  • Parth says:

    I search like this “Relakhs: Mutual Funds” in search engine.

    I am too lazy in searching inside your website 😉

  • Manja says:

    In my opinion, what Sreekanth has highlighted is the important of knowledge. The best of everything only lies in the amount of knowledge that we have. Before I started reading myself about the mutual funds, when I tool the risk calculation test, I was shocked that I was very very conservative one, but in realty I was not. After reading thoroughly and gaining the knowledge, I could understand that risk is only high if you do not plan. Just like in any other field, reading makes you better investor. So my advise is to gain & share knowledge. I thoroughly appreciate Sreekanth for opening up such a good forum to educate people candidly.

    Wish all to have a happy wealth creation times ahead!

    • Dear Manja,
      Continuous learning is very important in any field, more so if it is Finances, as they are very dynamic.
      Also, one needs to learn from mistakes and try not to repeat them in their Personal Financial life again.

      Wish you too, happy wealth creation!

  • Suryak says:

    Hello Sri, Good evening

    I have taken one MF of UTI transportation and logistics sector fund via one SIP and till date it is doing well till date.

    Now last couple of days, i am consulting with some financial institutes , but all are saying , what it is not a good option i have choosed. Even it is not ranked, and i will be in trouble in future. This type of statement really give me frustration. Please advice did it really not good inveatment in sector fund. Currently i have 36 month completed with 6000 pm sip

  • Amarjeet says:

    Hi Shrikanth,
    I really commend ur blogs for simple language and crisp and concise insightfull for all financial topics.. Very few people understand the difference between insurance and Investment. Many companies sell products which are mix of two and very dangerous for your financial health..

    Once again i do have good knowledge of the financial world but i enjoy reading your blogs a lot.. Keep up the good work..


  • Paritosh Maithil says:

    Hi Sreekanth,

    All your blogs are so informative that sometimes I believe that you own the whole share market:)? because you write and explain the finanacial things in so simple and wonderful way.

    Please keep doing that and keep encouraging people like me who wants to do financial planning but dont know where to start.

    Paritosh Maithil

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