Investing Insights

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Liquid Funds 101 – Everything You Need To Know About Short Term Debt Funds

Liquid Funds are debt mutual funds that invest into debt securities with very short maturities. The residual maturities if bonds held by liquid funds cannot exceed 90 days, as per the rules defined by the regulator. In fact, most liquid mutual funds hold securities that are due to mature in the next 30 days or so. Bonds maturing within two months need not be ‘marked to market’ – only their interest component needs to be factored in while calculating NAV’s (net asset values). Hence, the NAVs of Liquid Funds remain relatively steady compared to other debt funds.

Visual representing mutual fund investment myths and misconceptions that investors should avoid.

6 Mutual Fund Investment Myths You Should Watch Out For

The AMFI has done some great work of late to promote awareness about Mutual Fund Investments among the masses, with their catchy “Mutual Funds Sahi Hai” campaign. And yet, with the Mutual Fund industry’s assets zooming past the 23-lakh crore mark across nearly six and a half crore folios, it’s a surprise that so many investors steadfastly continue to harbor these misconceptions about Mutual Fund investments!

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Top 5 Best ELSS Tax Saving Mutual Funds to Invest in 2025

Of late, ELSS (Equity Linked Savings Schemes) Tax Saving Mutual Funds have gained prominence, largely propelled by an increasing awareness regarding the poor returns afforded by traditional life insurance policies. ELSS, though risky, provide investors with the chance of earning significantly higher returns than Life Insurance and other traditional instruments over a 5 to 7-year time horizon.

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5 Clues That you Need a Financial Advisor

When to Seek a Financial Advisor: If you're unsure about your portfolio performance, have too many life insurance policies, or lack clear financial goals, it's time to consult a professional. (Financial Planning & Guidance) Investment Pitfalls & Expert Help: Relying on low-return assets, avoiding diversification, or making impulsive investment decisions can harm long-term wealth—an advisor can help you avoid these mistakes. (Smart Investing & Risk Management)

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How To Use Mutual Funds to Generate Post-Retirement Income

Mutual Funds can be a stable post-retirement income source, but retirees should avoid dividend options and MIPs, opting instead for tax-efficient Systematic Withdrawal Plans (SWPs) with expert guidance.

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3 Rules For Planning Your Child’s Higher Studies

To afford a world-class education for your child, factor in inflation, protect your goal with term insurance, and save aggressively through high-return Mutual Fund SIPs instead of low-yield fixed-return schemes.

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With The Right Financial Advisor, Mutual Funds Sahi Hai!

A Financial Advisor helps investors avoid behavioral pitfalls, stay informed about market trends, and maintain a well-structured, high-performing Mutual Fund portfolio, making investing hassle-free and effective.

Tax saving blocks with an Indian rupee note and a mutual fund banner, representing tax-saving mutual fund investing.

3 Useful Tax Saving Mutual Fund Shortcuts

ELSS Mutual Funds offer tax-saving benefits with high returns, liquidity via dividends, risk management through SIPs/STPs, and a rollover strategy to sustain long-term tax efficiency.

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Planning your Short-Term Investments using Mutual Funds

Short-Term Mutual Fund Strategies: Mutual funds aren’t just for long-term wealth creation; they can be used effectively for short-term investments based on tax bracket and time horizon. (Investment Flexibility) Debt vs. Arbitrage Funds: Short-term debt funds suit most investors, but if your horizon exceeds one year and you're in the highest tax bracket, arbitrage funds may offer better post-tax returns. (Tax Efficiency & Fund Choice)

A conceptual image for Equity Linked Savings Schemes (ELSS) featuring bright letter blocks that spell tax spelling to highlight tax-saving investment benefits.

Top Advantages of ELSS Mutual Funds

With the AMFI creating widespread awareness about Mutual Funds through its ubiquitous “Mutual Funds Sahi Hai” campaign, ELSS (Equity Linked Savings Funds) have gained in popularity in the past few months. Many investors made the smart move of starting a Mutual Fund SIP in an ELSS at the start of the Financial Year itself, thereby having achieved their Section 80 C targets with relative ease.

Four Things to Keep in Mind While Making SIP Investments

Mutual Fund SIPs are not risk-free, returns may vary, volatility benefits long-term growth, and fund selection should align with your investment horizon.

3 Tips to Plan your Retirement with Mutual Funds

Mutual Funds offer a strategic approach to retirement planning through aggressive SIPs, disciplined investing, and systematic de-risking, ensuring financial security and steady income post-retirement.