Thanks. I have tiered my emergency funds that can cover up to 2 year of expenses as follows: Savings Account, Liquid Funds, Money market Funds, Arbitrage Funds, Conservative Hybrid Funds, Multi-Asset Funds, Index Fund. The last two takes on risk but would be the last to go to for emergency.
Thanks a bunch. I've been reading through dozens of articles talking about emergency funds, so a lot of the things mentioned here were familiar. But this essay allowed me to organize all that data in a cohesive manner. 👍
Emergency fund sheet (Go to File --> Make a copy --> Edit the new sheet as per your numbers): docs.google.com/spreadsheets/d/1bqeNnTrMrEpCewwjMWPnjVol7Hcr5tJajgKk71JJUOM/edit#gid=0
Is video me full detail me pta chala ke ha emergency fund kya or kyu or kaise , sub pta chal gya bus ab is information ko apne emergency fund create karne me lgana hoga
What about ELSS MF to keep emergency fund..i started in oct 2019 with 20% of my salary and keep invested till oct 2021 in mirai asset elss. Today it has given me good return on my invested amount and as per current value it is my 20 month Emergengy fund and it will still go upside.
ELSS MF are not good for emergency fund because of the 3 year lock in. Ideally an FD or Liquid/Debt Fund is better. Or you can also mix in some gold to diversify your emergency fund. The crucial thing is that it should not be too complicated and almost instantly redeemable. Plus it should survive through a severe recession like 2008 or COVID
What about inflation??? And best option to invest is purchasing gold.. price will grow with time and also it is highly liquid. After six/12 months time a person can have a good emergency fund so gold is way better...
The video all about agar Yeh agar woh!! Agar festival Mein Rs.10000 mil jaaye. Agar Rs.50000 bonus mil jaaye. Agar life itni Agar se chalti toh Emergency Fund ki shayad zarurat hi na pade. Kyunki Agar Mein Kabhi bimar na padu. Agar meri job kabhi layoff na kare. I do admit we should have Emergency Funds but I was watching this video to get a better way of saving funds. Not dependent on Agar!!!!
Caution: Don't put your emergency fund money in Corporate Bond or Banking and PSUs because they are slightly volatile in nature instead put it in Floater funds they are not only less volatile than bonds and PSUs but also their returns are better than them.
I am very confused about my scenario, what would be my emergency fund amount? Currently I am spending like 10-15k per month as I am living with my parents(wfh) My annual take away salary post tds is 18-21 lakh(up and down due to bonus and conveyance) I do not have any liability so far. Not sure how much I would consider as an Emergency fund.
This Video is basically pointless, all of a sudden you added 50K as Annual Bonus, which is not applicable to most of your Audience, and you mentioned 10K as festival gifts, didi ap nahi jante festivals me expenses badte h 🙂
Hi, Arbitrage funds are mutual funds that seek to profit on price differentials in the derivatives and cash (or spot) markets by engaging in simultaneous buy and sell transactions in cash and futures markets. To learn more click on this link: groww.in/mutual-funds/hybrid-funds/arbitrage-funds
I'm saving 7000 per month for my emergency fund in the following distribution :- 10% - cash 20%- savings account 70% - arbitrage mf Hope this will be helpful for others..
Thanks. I have tiered my emergency funds that can cover up to 2 year of expenses as follows: Savings Account, Liquid Funds, Money market Funds, Arbitrage Funds, Conservative Hybrid Funds, Multi-Asset Funds, Index Fund. The last two takes on risk but would be the last to go to for emergency.
The last four actually ... They all goes into equities ... Arbitrage may not sound buy technically they are into buying and selling equities
Thanks a bunch. I've been reading through dozens of articles talking about emergency funds, so a lot of the things mentioned here were familiar.
But this essay allowed me to organize all that data in a cohesive manner. 👍
Emergency fund sheet (Go to File --> Make a copy --> Edit the new sheet as per your numbers): docs.google.com/spreadsheets/d/1bqeNnTrMrEpCewwjMWPnjVol7Hcr5tJajgKk71JJUOM/edit#gid=0
is instant liquid fund redemption possible on groww?
1. Savings account - with sweep in.
2. Corporate Debt Funds
3. Liquid Funds
1st 50%
2nd 25%
3rd 25%
Money distribution
Its a very very imp topic.. Background music should not b there
Fun fact :- most of the viewers have no fund for fullfilling their wants and see the video of emergency fund.
How can you claim this? Are you an all-knowing God?
Ha😂
Not so fun fact for u : Stop assuming things, everybody is not like u 😂
Fun fact :- Everyone is not you and that's why you are living a toxic life
That's true for me😢
Anu also need to buy gifts for Diwali and book flight tickets to visit hometown. That additional 60k is gone now 😢
I will create my emergency 🆘 fund now, Thank you mam for this information ❤
The idea of sweep in is nice but may not be activated all the time. Won't putting in multiple smaller fds help in a similar way?
I'm manage my emergency fund combine method. Like auto sweep saving Account+ Liquid direct fund.
Thankyou for such valuable inputs on where to park emergency fun. You guys are doing great job..😊😊
Bhut hard calculation hai... Iska liya excel sheet ko jurut hoti hai... Thanks a lot mam
Very good video and cleared everything on emergency fund. Thank you
It's too much important for all of us...
Thanks a lot mam...
Very informative about emergency fund..✅️
You didn’t mention about taxation. Debt funds will be taxed as per your tax slab so be careful when investing in such funds.
Bahot sudar trike se aapne samjhaya. aapki bolbe ki skills Bahot a66a hai. Thank you Aleena mam❤
Very good valuable information. 👌💯 Your speaking skills are very good. Your ❤voice is beautiful. And well explained. ❤✌️
thxu for instant motivation, I really appreciate.. long live..
But why is the lady talking in a sexy tone when talking about Emergency Fund?
Is video me full detail me pta chala ke ha emergency fund kya or kyu or kaise , sub pta chal gya bus ab is information ko apne emergency fund create karne me lgana hoga
Thanks for valuable knowledge
You are A rising Star ⭐️ on grow channel ❤
What about ELSS MF to keep emergency fund..i started in oct 2019 with 20% of my salary and keep invested till oct 2021 in mirai asset elss. Today it has given me good return on my invested amount and as per current value it is my 20 month Emergengy fund and it will still go upside.
You are just lucky
Because you invested before and during covid pandemic....
So your returns must be High
ELSS MF are not good for emergency fund because of the 3 year lock in. Ideally an FD or Liquid/Debt Fund is better. Or you can also mix in some gold to diversify your emergency fund. The crucial thing is that it should not be too complicated and almost instantly redeemable. Plus it should survive through a severe recession like 2008 or COVID
Thanks.... much needed this.,,, but i think saving account with fix deposits are not that good option
Very smart and simple advice Thank you
❤🎉 Great video...study done was really helpful.
Nice information madam
Thank you
Great video Mam
Very nice video
3 months of expenses currently & building slowly.
Helpful information
What about inflation??? And best option to invest is purchasing gold.. price will grow with time and also it is highly liquid. After six/12 months time a person can have a good emergency fund so gold is way better...
SGB??
Very nice 👌video
Saving account is Good Suggestment.
Very good
Very nice information
My salary is 28000 how can I do emergency fund
I suggest keep at least 5% money as cash in order to compensate for cash conversation issues with liquid fund.
Thank you mem......
Informative video.
Thank You Alina mam
FD which should be short in period and they are high in returns
Paytm fd
Kotak bank 180 days fd
maam what if i can invest in gold in emergency fund. nice video
Some funds can be even moved to FDs and can be broken in case of emergency
Sweep in provides this facility that too with better liquidity
@@sanketnegi1 yes. Activated kotak activ money with kotak811 account. Really good
How to invest in corporate debt fund & liquid fund????
Very good information😊🙏
NPS Tier II also have better liquidity and bond option.
Very nice video 👍
Outstanding video jay hind
Thank you
👍🏻👍🏻👍🏻👍🏻👍🏻🌹🌹🌹👌🏻👌🏻👌🏻👌🏻👌🏻👌🏻
Nice.... Aleena....Mam
Hey
what if I want to withdraw my money from a liquid fund on the 100th day. How does that work? Can we do that?
Thanks 🙏
Nice video
Please suggest best liquid fund and corporate debt fund
So nice
Annual bones kisi ko nahi milta garmi log ke bare main bataya karo
How would be saving the emergency fund in ULIP?
You ll success 💪
What about fd
Jabardast
50% sweep in, 25% arbitrage and 25% aggressive hybrid funds for me
What about FD?
The video all about agar Yeh agar woh!!
Agar festival Mein Rs.10000 mil jaaye.
Agar Rs.50000 bonus mil jaaye.
Agar life itni Agar se chalti toh Emergency Fund ki shayad zarurat hi na pade.
Kyunki Agar Mein Kabhi bimar na padu.
Agar meri job kabhi layoff na kare.
I do admit we should have Emergency Funds but I was watching this video to get a better way of saving funds. Not dependent on Agar!!!!
😅😅😅😅how can u buy groceries for just 3000 at the time where inflation is sky rocketing
Single person 3000 ?
best liquid fund ka b example de dete
Bank Fd is the best instrument for emergency fund. You will get money in seconds.
Mam what if I have OD credit limit available! Can this be considered as emergency fund?
Mam how about Edelweiss arbitrage funds it gives returns as liquid fubd but have better post tax return what fo uou suggest mam
Liquid fund is the best option
Share bhi kar diya
Can you help me in investing my funds in Shares and SIP
Caution: Don't put your emergency fund money in Corporate Bond or Banking and PSUs because they are slightly volatile in nature instead put it in Floater funds they are not only less volatile than bonds and PSUs but also their returns are better than them.
Without editting Google sheet how can i calculate my emergency fund
How about to keep 100% in FD
Now ICICI is offering 7.5% in FD
😂😂😂 Inflation kitna hai?
Penalty for breaking
50% each in Liquid and Gilt.
Please be kind enough to reduce your background music, it is annoying and destructing focus from your important information.
Kya digital gold lekar bhi emergency fund rakh sakte hai
Digital Gold is a scam, you will lose a lot with GST.
Gold seems good i think
Hi mem I'm a retired person how many rupees minimum start possible?
Why is your voice a ASMR experience?
I am very confused about my scenario, what would be my emergency fund amount?
Currently I am spending like 10-15k per month as I am living with my parents(wfh)
My annual take away salary post tds is 18-21 lakh(up and down due to bonus and conveyance)
I do not have any liability so far. Not sure how much I would consider as an Emergency fund.
Income jyada hai to 6 month salary emergency fund me rakho.
can we use T-bills for emergency fund ?
No because it locks your funds
This Video is basically pointless, all of a sudden you added 50K as Annual Bonus, which is not applicable to most of your Audience, and you mentioned 10K as festival gifts, didi ap nahi jante festivals me expenses badte h 🙂
What about arbitrage fund?
Hi,
Arbitrage funds are mutual funds that seek to profit on price differentials in the derivatives and cash (or spot) markets by engaging in simultaneous buy and sell transactions in cash and futures markets.
To learn more click on this link: groww.in/mutual-funds/hybrid-funds/arbitrage-funds
@@Groww so don't you think that can be an option for emergency fund?
Liquid returns have very low interest rate, low than fixed deposit
3:50
500 se start nhi ho rha hai
who will give edit access to google sheet?
Hello Saura, you can make a copy of the sheet and then edit it as per your income and expenses.
Income P. M. Rs. 20000/- & Saturday night party...... Very😊
Anu will be in a problem !! Any should spend money in upskilling !!
❤❤
But if you are creating emergency funds then why you take if and but like 10000 gift and 50000 bonus... be practical
Content is good but your voice & presentation is so dull & not engaging😐
Liquid fund
1
I'm saving 7000 per month for my emergency fund in the following distribution :-
10% - cash
20%- savings account
70% - arbitrage mf
Hope this will be helpful for others..
@groww Please get rid of the background music / lower the volume! It's super annoying, distracts from the main content.
anu doesnt pay tax
Debt fund will cost 20%stcg tax and exit loads.