LIQUID MUTUAL FUND ACCOUNT - PAWNS OF INVESTMENT PORTFOLIO

Friends  I am sure  almost  all are aware  that there exists a liquid fund amongst mutual funds.

For the ones who are not aware of - Liquid funds  are funds for the very short term goals where fast liquidity is necessary with lowest risk.

They are like PAWNS IN CHESS.

Just like a PAWN can save a King from being checkmated in chess , these liquid funds can save a person during financial crisis.

The purpose of this  fund  is  emergency  funding  and not wealth creation.

Friends  4-5  months back we never knew such a thing like Corona can upset our lives to such a extent.

One doesnt know when the event can happen and when the funds would be required  hence it is called as  EMERGENCY Fund.

The investment done by the fund in this portfolio  is in highly safe and secured instruments which does not contain equity at all. 

One can also invest small sums in liquid funds.

EVERYTIME YOU ADD MONEY IN LIQUID FUND  REMEMBER YOU (WHO IS THE KING OF CHESS) ARE  GETTING SAFE AND STRONG FINANCIALLY. 

How much should I have in liquid funds ?

Approximately the funds reqd by you for next 1 year , assuming income is  nil for for next 1 year.

You can also invest and view the savings done by you online on our website www.aumfinancialconsultants.com

We can meet over skype and discuss further OR click  here  to contact us

SIMPLICITY IS THE NAME OF THE GAME

Very often investors ask this question , I have 5 lakhs where should I invest ?

My simple suggestion is pl answer these 3 questions to yourself first before deciding on any product, scheme , asset class etc.

1] What is my goal ?
The goal can be earning regular returns without taking risks ,
earning higher returns by taking risks , accumulating a corpus for retirement or childs education , wealth creation etc.

2] What is the time horizon I wish to keep the money invested?
The answer to this depends on the goal
If the goal is short term - 1-3 years
If the goal is medium term - 3-7 years
If the goal is long term - 7-15 years plus.

3] What is my risk appetite /
Am  I ok with the volatility of the markets ? Yes/No
If yes then upto what levels ?
Am I ok for getting high returns even if portfolio shows a volatility of
-10 %,-20%,-30% . ? or
I prefer very very low volatility on downside say max -1 % , but doesnt mind the returns are limited.

Once the answers to these questions are crystal clear then comes the asset class and scheme selection into picture which is then a consultants skill set to suggest the appropriate asset class and scheme so that the investor achieves his investment goal smoothly.

The focus should be on achieving the goal and not on investing in a particular scheme.

At AUM Financial Consultants we insist on

1] goal based investments.
2] tracking those investments at periodic intervals
3] changing and reallocating the asset class and schemes if reqd only .

Happy Investing !

We can meet over skype and discuss further OR click  here  to contact us