Why Investment in Liquid Funds is Beneficial

liquid funds

We are always keen to get higher returns on our investments. However, many times, we end up parking our money in the savings accounts. Have you given a thought to why not think of investing your money where it will fetch higher returns! You can select the liquid funds as an investment option and make the most of these funds.

What is liquid fund ?

Liquid funds are a debt fund mutual scheme. If seen from the volatile point of view, it is considered as a safe option. Many of us wish to earn a lot of money with fast and easy returns. Thus, instead of investing your money in savings accounts, use this option. This scheme is known as an investment tool to earn interest or returns. Liquid mutual funds have left saving banks and fixed deposits behind. It has become a popular alternative and is also considered as an easy and safe investment option.

Let’s see how these funds are more beneficial than saving banks account-

In saving accounts, you must be earning 4% or 5% returns that can go up to 6% on the highest side. However, it is not the same in the case of the liquid fund. The Liquid mutual funds deliver the returns of 8-9% annually. Isn’t this a great thing! In spite of offering better returns as compared to savings and fixed deposits, they provide you with the same liquidity.

Here are some benefits

  • These funds do not have a lock-in period. It doesn’t have any entry/ exit load.
  • Returns are available on the same day, e., you can withdraw money from these funds within minutes. You are allowed to withdraw up to Rs, 50,000 instantly.
  • The earnings which are received through the dividends are completely tax-free.
  • They offer you the flexibility between dividend or growth payout.
  • When you feel that the valuations are right, you can also transfer these to equity funds.
  • These funds are considered as less risky and less volatile because they are highly rated funds.
  • They allow you to invest for a shorter period with maturities that do not exceed 91 days.
  • The NAV (Net Asset Value) of these funds is calculated for 365 days as compared to the other debt funds where NAV is calculated only for the business days.

With the interest rates and tax benefits, liquid funds are anytime more beneficial for the investors as compared to the traditional investment options like savings accounts and fixed deposits. Additionally, liquidity plays a vital role as in case of a sudden rise in expenses or any unexpected outflows; the liquidity margin can always come handy.

Know How to Pay for a Surprise Expense

No matter who you are and where you live, it’s important to have a plan in place to cover $1000 – $2000 worth of emergency expenses at any given time. You may be thinking that this doesn’t apply to you because you just can’t afford to have that much savings on hand or because you currently have to pay off debt, but it’s still wise to work at making it happen.

If you live paycheck to paycheck and don’t build up a fund for emergency expenses, you may find yourself stuck in a tight spot. For example, if you get ill and have to take time off from work, you won’t be able to pay your bills. And even if you rarely get sick, an emergency could happen. Maybe your car gets hit and the insurance won’t cover it, or maybe you’re unexpectedly laid off, and unemployment isn’t enough to cover your normal cost of living.

So, the first place to start is to consider saving money by regularly making deposits into a savings account. It doesn’t have to be an astronomical amount, but if you can set aside even $25 per week, you’ll build up funds before too long. Most people can afford that even if they’re on a tight budget; you just need to assess your “extras” and cut back a little bit, like maybe one less time of eating out per week.

If saving money and putting it into an account isn’t an option, there are other ways you can build up an emergency fund. You can consider borrowing money from others. It may be through a business lender such as a bank or from easy cash loans to apply for provided by private lenders. In that case, you can borrow the amount that you need and then pay it back at a fixed rate that you can afford.

There are two possible paths forward from this juncture. One is to borrow the money up front to build your stash and then budget the repayment amount without taking away from your savings. Or, you can wait until an emergency arises before borrowing money, and pay it back after that.

There are pros and cons to each of these. In the first approach, you incur a debt that needs to be repaid before the funds are even needed, but it’s a short-term debt, and once it is repaid, you’ll still have the emergency funds available to you. In addition, if an emergency hits, you won’t need to scramble to find the money to handle expenses.

With the second approach, you don’t incur the debt until the money is actually needed, but it can be a hassle if you’re short of cash and the process is delayed. If you find that borrowing funds isn’t working out, you’ll be facing a new dilemma.

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Some Kind Of Way To Provide Emergency Funds That Can Help Financial Crisis

Maybe you’ve never felt the conditions that create panic or frustrated because of lack of funds or even run out of funds to sustain the availability of cost of living. These events would normally be experienced by people affected by layoffs without severance pay, sickness makes can not work in some time, or more stop funding sources of income in some time. Before you experienced something, it is better you have to know what the emergency funds that might be a consideration to prepare themselves when faced with similar events.

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Emergency funds were also no less important to the investment to be prepared. To set up emergency funds it requires discipline. Maybe it would be hard to discipline, but this feeling should be removed so that the events of underfunding that might occur resolved and did not make a distracted or frustrated.

Keep in mind emergency budget funds is also adapted to the work carried risks. Financial Planning for emergency funds that need to be prepared at least three months of expenses. When a person has a job

 as a freelancer or artist, budget released emergency funds can be much larger.

Basically the risk of large job, then enlarge the reserve fund is a very important thing. A freelance, do not work for companies, professionals, singers, whatever it is, self employee, a reserve fund for 6-9 months of expenses must be prepared, and for businessmen 9-12 months expenses. Self employe or artist, usually will have no income no more than three months, according to some surveys, but for emergency funds should be budgeted for twice as much. And for entrepreneurs, take one year for recovery companies having to make sales or new commitments that will generate again a year later, but the company’s spending must go on.

Suggested setting up emergency funds should be made before investing. This is done in order to be free to do investing their future. And should be prepared of income for the emergency funds, preferably at least 10 percent of it.

One can also take advantage of jewelry that had long been used to speed up a lot of emergency funds. In this way so do not just rely on the monthly income.

Some kind of way in the preparation of emergency funds :

Open a Savings Plan

Motivation to save the psychological nature so dependent whim. Sometimes when a strong desire to spend more than save, then setting up emergency funds will not run properly. So in order to save properly, one must open a savings plan futures. With these savings, the funds automatically debited, and locked in a certain time.

Buying Gold

By way of saving may be made psychologically disturbed because of the desire to spend very strong. There is more secure is to buy gold bullion on a regular basis. Because someone is more dear than to sell goods for a more visually appealing. Even some people, especially women buy and save … Read more ...

Cash Money Millionaires

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Thanks for your visit JPSO138 I´m glad that I introduced to you those factors. You could want one particular of those when travelling abroad with your wife. You don´t even have to go abroad for utilizing those items, our country is a single of the most harmful countries when it comes to pickpocketters. I study this somewhere. Have a great day!

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Lil Wayne Reportedly Sues Record Label Cash Money For $51m

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Income Orders At Walmart

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Birdman’s Cash Money Records Ordered To Pay $1.1 Million Over Jay Sean’s Albums

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If you do not record each and every transaction you conduct like any fees that are charged (an ATM will inform you if they are going to charge a fee and a bank will inform you in their policies list if they charge for foreign ATM’s), you could quite effortlessly overdraw your account devoid of realizing it. This will expense you large amounts of fees and overdraft fines.

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Breaking Down The Sordid Particulars Of The Lil Wayne Vs. Cash Money Lawsuit

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Great hub! I planted my very first winter vegetable garden final September, and I have harvested so considerably currently. Lots of lettuce and snow peas, a couple of tomatoes, some broccoli. We also planted 3 fruit trees in the fall that will hopefully produce this year. I adore the idea of getting capable to walk out to the yard and pick my personal meals. Not only does it save on groceries, I know it really is healthier/cleaner than what I’d obtain at the shop.

What an original and effectively place collectively hub! So deserving of HOTD and sorry I missed first time round! Love your inventive tips and it can certainly mount up. I have often had jars for big coins and then 1 for the bronze 1c and 2c but most are from loose alter in my wallet, handbag or identified about the residence. Need to start out opening my eyes when out and about! My brother applied to gather 1 euro and two euro coins and boy did they mount up as he never counted or bagged up till his large container was complete. Good suggestions, exciting study and beautiful pics and layout!

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Ø Cashmoney Records Ø

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There are several who it basically would not occur to even feel that they ought to report this income. There are numerous who know, but aren’t going to do it anyway because they need to have the funds too poor themselves. Then, there are a increasing number of individuals who never report money income, because they have a actual dilemma with how their tax dollar is used. I don’t have it in me to judge any of them.

Andre: Perhaps you remember Lil Twist from Turnt.” He dropped that in 2011 mainly because he’s a seeker on the side and knew words like turnt” would be popular in a few years. Other than Busta Rhymes quite verse there wasn’t significantly else to the song, save for the combination of paint-by-quantity rhyme schemes and the elastic tossing about of the term, Who’s fucking with me.” There is an irony there I won’t discover correct now, but there’s the legal trouble to feel about.

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I’ve usually been fortunate with finding income, so I have a tendency to watch the ground when I stroll in public places. I’ve discovered funds in grocery shop, thrift shop, and restaurant parking lots, on the floors of grocery retailers and restaurants, in airplane seats and washing machines, and I would never ever pass up a penny, particularly one particular that was heads-up! Excellent hub!… Read more ...