---
# System prepended metadata

title: User Stories for FAQ bot
tags: [user stories]

---

---
tags: user stories
title: User Stories for FAQ bot
description: User Stories for FAQ bot
---

# Goal :maple_leaf: 

Discord users commonly ask questions that might have already been answered in the #faqs channel or FAQ section of the wiki.

Wiki FAQ section is already synchronized with #faqs channel in Discord.

Carl bot can fetch common FAQs, in response to common queries. For now, it'd be limited to #ask-us-any-question channel.

**Mission of this undertaking** is to reduce:

- turnaround time for common queries
- overhead for frequent contributors, so they can focus on relatively uncommon queries

---

### User Stories :libra: 

|Trigger words |Typical comment| Expected response
|-----|--------|-----|
|`chit`, `chit fund`, `chit funds`| _Should I invest in a chit fund?_, _What kind of returns can I expect from a chit?_       | Hey `@user`, we have some discussions on chit funds here: https://indiainvestments.gitbook.io/content/faqs/explain-like-i-am-5-eli5-chit-funds. You can ask in #general-talk after reading this, if you have more queries about chit funds.|
|`#stock-fundamentals`, `not able to send message`  |_Why am I not able to send messages to #stock-fundamentals_      | Hey `@user`, if you're wondering why you're not able to send messages to #stock-fundamentals channel, please read this first: https://indiainvestments.gitbook.io/content/faqs/i-cannot-send-messages-to-stocks-fundamentals-channel-on-discord.-why
| `still file itr`, `itr-1` `below tax limit` | _I don't have any tax to pay this year, do I still have to file ITR?_ | Hey `@user`, we recommend filing an ITR anyway. Read more: https://indiainvestments.gitbook.io/content/faqs/i-dont-have-any-tax-to-pay.-do-i-still-have-to-file-itr |
| `gold`, `good time gold`, `gold-time` | _Good time to buy gold?_ | Hey `@user`, if you're wondering whether it's time to buy Gold, you might want to check this out: https://indiainvestments.gitbook.io/content/faqs/is-gold-a-good-investment-now-it-has-gone-up-50-this-year. |

These user stories assume automated responses, based on user queries, from Carl bot.

---

### Alternate User Stories :timer_clock: 

If the Carl bot is to be manually invoked, based on user's query, we need there be some simple triggers

|Trigger words |Typical comment| Expected response
|-----|--------|-----|
| `.bestmf` | _Which is the best mutual fund?_, _What MF should I invest in?_ | Hello `@user`, no one can predict how a mutual fund would perform in the long run. Data also shows consistently chasing best mutual funds result in behaviour gap. Pick one that you can stay with for long term. Learn more [here](https://indiainvestments.gitbook.io/content/faqs/whats-the-best-mutual-fund-i-can-invest-in) |
| `.sipdate` | _Which day of the month gives best returns for SIP?_ | Unfortunately, there's no such thing, `@user`. It's rare for markets to move up / down so much in a single month, that a single SIP installment being on a different date would make a sizeable difference in your long term. Read [more here](https://indiainvestments.gitbook.io/content/faqs/which-date-s-is-are-best-for-sip-in-a-month) |
| `.dematmf` | _How good is Coin for MFs?_, _Is there any downside in using Coin?_| `@user`, you should avoid Demat mode of holding when it comes to mutual funds. Learn more [here](https://indiainvestments.gitbook.io/content/faqs/should-i-get-a-demat-account-to-buy-units-in-mutual-funds) |
| `.chit` | _Should I invest in a chit fund?_, _What kind of returns can I expect from a chit?_   | Hey `@user`, we have some discussions on chit funds [here](https://indiainvestments.gitbook.io/content/faqs/explain-like-i-am-5-eli5-chit-funds.). If you have more queries about chit funds, you can ask in #general-talk after reading this :)|
| `.bestelss` | _Which ELSS fund should I invest in?_ | Hello `@user`,  ELSS investment is already capped at 1.5L per year. And if the investment principal is small, the return difference wouldn't be large. Just pick one, you're as likely to be wrong as you could be lucky. Read more [here](https://indiainvestments.gitbook.io/content/faqs/ive-to-invest-in-elss-for-80c-tax-saving.-which-fund-s-should-i-pick) |
| `.lic` | _Should I invest in this LIC policy?_ | `@user`, avoid. LIC and the agent would take most of it. You'd be left with peanuts. It's one of the most opaque forms of investment, and there's no guarantee. Govt backs LIC, not your financial future. Learn more [here](https://indiainvestments.gitbook.io/content/faqs/should-i-invest-in-this-lic-policy) |
| `.wealthplan` | _My bank is offering me this lucrative plan, should I invest?_  | `@user`, we would suggest you avoid such plans. Insurance companies and bank RMs would make gains, but you could do much better not mixing insurance with investments. Insurance cover is inadequate, returns from ULIPs are lower than bank deposits. Read more [here](https://indiainvestments.gitbook.io/content/faqs/opinions-on-investing-in-smart-wealth-plan-by-bank) |
| `.gold` | _Good time to buy gold?_ | Hey `@user`, if you're wondering whether it's time to buy Gold, you might want to [check this out]( https://indiainvestments.gitbook.io/content/faqs/is-gold-a-good-investment-now-it-has-gone-up-50-this-year.) |
| `.smallcase` | _Is smallcase a good investment?_ | Hey `@user`, while smallcase has tools which can aid in managing a stock portfolio better than most brokerage options, do your own due diligence before you invest in a smallcase because the CAGR looks great. Read more [here](https://indiainvestments.gitbook.io/content/faqs/is-smallcase-a-good-investment-returns-look-good.) |
| `.itr` | _I don't have any tax to pay this year, do I still have to file ITR?_ | Hey `@user`, we recommend filing an ITR anyway. Read [more here](https://indiainvestments.gitbook.io/content/faqs/i-dont-have-any-tax-to-pay.-do-i-still-have-to-file-itr) |
| `.sipvslump` | _Which one is better - SIP or Lumpsum?_ | `@user`, if you're investing for the long term, time in the market beats timing the market. Invest the entire amount all at once, irrespective of market levels. Invest regularly if don't have lumpsum. Learn more [here](https://indiainvestments.gitbook.io/content/faqs/lumpsum-investment-vs-sip-dca.) |
| `.park` | _Where can I park money for a few days?_ | Hey `@user`, read about different ways to park money for shorter duration [here](https://indiainvestments.gitbook.io/content/faqs/where-can-i-park-money-for-a-few-days-a-few-months-or-a-few-years) |
| `.stock` | _Why am I not able to send messages to #stock-fundamentals_      | Hey `@user`, if you’re wondering why you’re not able to send messages to #stock-fundamentals channel, please [read this first](https://indiainvestments.gitbook.io/content/faqs/i-cannot-send-messages-to-stocks-fundamentals-channel-on-discord.-why) |
| `.maxtermcover` | _Up to what age should I take term cover?_ | `@user`, short answer is - till the age someone is financially dependent on your income. Ideally, it should be 60-65. Read more [here](https://indiainvestments.gitbook.io/content/faqs/up-to-what-age-should-i-take-term-cover) |
| `.grouppolicy` | _Should I have my own health insurace, even if employer provides one?_ | `@user` - yes, you should have your own. Employer-provided group policy might have lower cover, or co-pay, or a cap on room-rent. You should get one on your own, to decouple your insurance from your employer. Learn more [here](https://indiainvestments.gitbook.io/content/faqs/do-i-need-my-own-health-insurance-employer-already-has-group-policy) |
| `.bestmfapp` | _Should I use app X or Y for MF investing? Is this hot app Z good?_ | Hey `@user`, as long as the platform allows buying direct plan in growth schemes (for free of cost), pick one you're comfortable with. Your specific choice of app won't affect your returns. We have covered pros & cons of popular apps [here](https://indiainvestments.gitbook.io/content/faqs/best-mutual-fund-app-for-investmentsy) |

---

### How can you ask server bot to ping a pre-defined message?

Each FAQ has a tagname mapped to it (first column in above table). Just send this message in any of the supported channel — `.<tagname> @user`

This would command bot to send pre-defined message and also mention `user` in the description.

### Where can I see list of all supported tags in the server?

Send this message in any supported channel - `.taglist`, and bot will DM you the list of all active tags in the server.
