Most of the time when I make a coffee I usually put the granules into a cup which I have already poured my desired amount of milk into. I find this helps make the coffee creamier when the finished article is unveiled. After pouring in the water and stirring I often find that a few stubborn granules take longer to dissolve than their counterparts, and rise to the surface of the coffee. I call these semi dissolved granules "guano". After some stirring they disappear and I am left to enjoy my coffee in peace.
Presently I am having a Twix and a cup of coffee. A twix without coffee is like horse racing without the horses.
If you must drink instant coffee (its not really coffee) its always preferable to add the water after the coffee and milk mix and I'll tell you for why: it avoids scolding the coffee and creating a bitter taste.