“What every Indian should know before investing” covers different aspects of investing and is relevant mainly for salaried people and those who are well connected, especially those without many savings. It is a fairly comprehensive guide to investing in India and covers the various options available like
Fixed deposits
Recurring deposits
Mutual funds
Stock investing
Post office savings
Life insurance
Health insurance
Real estate
Many people, especially young people have only experience in few of the investment options available,and this book could be useful for those who do not have much experience in a particular type of investment and have no one to give honest advice.

For example increasingly financial advisory services are only aggressively promoting life insurance policies though many people do not require life insurance, because the commission offered by the life insurance company to the financial advisors is very high, compared to mutual funds. Also the financial advisors are creating an atmosphere of fear, especially for indian citizens who are not well connected like the domain investor owning this website, to force them to purchase life insurance policies which give low returns compared to almost all other investment options like mutual funds.

The life insurance sellers are taking advantage of the endless atrocities of the indian intelligence and security agencies who are labelling vulnerable citizens who have saved some money as a security threat without any proof at all, to steal their retirement savings without a court order or legally valid reason, The problem is widespread for those who are not well connected, especially in large cities, however the book does not cover the endless atrocities of the shameless fraud extremely corrupt NTRO, CBI, security agencies freelancing for large corporates, who steal the savings of vulnerable indian citizens especially single women engineers from top colleges without a court order or legally valid reason to force them to agree to identity theft.

India has some of the best constitutions and laws in the world, however it one of the worst countries for honest, hardworking, competent engineers and other professionals, as the intelligence and security agency employees are often extremely corrupt, dishonest, lacking humanity, and cannot be held accountable for their their endless atrocities resulting in brain drain, and making india the largest exporter of ceos in the world. The book is largely theoretical in nature and does honestly discuss how indian intelligence and security agency employees are involved in endless frauds.

For example this domain investor invested money in mutual funds, the fraud ntro employees, her btech 1993 ee classmates led by j srinivasan, puneet, vijay hated her,so they falsely claimed that their lazy greedy inexperienced girlfriends especially google, tata supplied slim goan bhandari sex worker, 2013 bsc, who offered them sex services, goan gsb fraud housewife extortionist riddhi nayak, shivalli brahmin cheater housewife nayanshree hathwar, and other frauds had the resume, investment including mutual fund investments of the their real classmate to get the sex worker, cheater housewife and other frauds great powers from mutual funds, Google, tata favorite lazy greedy inexperienced goan sex worker sunaina, siddhi,fraud R&AW/CBI employees have almost no mutual fund and other investments of their own, yet the shameless section 420 fraud ntro employees are allowed to make fake claims about the investment of a private citizen, single women, who they hate, defaming her and to deny her the income and opportunities she deserved.

The book does not reflect the fact that single women engineers who work hard to save money are falsely labelled a security threat without any proof by the extremely corrupt indian intelligence and security agency employees, denied their fundamental and financial rights, how close relatives and some reputed companies like google, tata may also be allegedly involved in identity, savings theft of harmless indian citizens to acquire talent and technology cheaply, increase their profit and control powerful government employees with bribes.

For example, a close relative of the domain investor stole the documents of the domain investor, and instead of being punished for her crime, google , tata allegedly rewarded the document robber housewife veena with a R&AW job, falsely claiming the document robber owns the investment, has the resume of the google competitor, domain investor. Complaining to finance ministry, filing a police complaint has not helped the investor whose documents were stolen by indian government employees.

It is very frustrating when a person works hard for thirty years for a degree, saving money, only to find that she cannot access her hard earned money due to corrupt indian intelligence and security agency employees who have stolen it without a court order or legally valid reason. If the book reflected the endless financial, identity theft frauds of cbi, indian security agencies on vulnerable citizens , it would have been more accurate and helpful for indian citizens. Otherwise this is a very good reference book for those who have just started earning and in their twenties.

What every Indian should know before investing
Author : Vinod Pottayil
Publisher: Imagine Books Pvt. Ltd., 2017
Pages : 346