Liquid Funds vs Savings Account: Where Should Your Emergency Fund Sit?
Quick answer: Keep 1 month of expenses in your savings account for instant access and put the rest of your emergency fund (usually 5+ months) in a liquid fund. Liquid funds typically earn more than a savings account’s 2.5–3%, because they track short-term money market rates. You can redeem up to ₹50,000 (or 90% of […]
Mutual Fund vs FD in 2026: Returns, Tax and Risk Compared
Quick answer: Choose an FD for money you need on a fixed date within 1–3 years and can’t afford to see fall, even for a month. Choose debt or hybrid mutual funds when you want better liquidity and tax deferral. Choose equity mutual funds for goals 5+ years away, where FDs struggle to beat inflation […]
How to See All Your Mutual Funds in One Place Using PAN (CAS Statement Guide)
Quick answer: Download a Consolidated Account Statement (CAS). It lists every mutual fund folio linked to your PAN across all fund houses. You can get it free from MF Central (log in with PAN + OTP for an instant download), or by email from CAMS or KFintech (choose the combined CAMS + KFintech option). Pick […]
₹1 Crore Retirement Corpus: How Much Monthly Income Can SWP Give, and How Long Will It Last?
Quick answer: A ₹1 crore corpus earning 8% a year can pay about ₹35,000 a month (rising 6% a year with inflation) for roughly 33 years, or ₹50,000 a month for about 21 years. Push it to ₹70,000 and the money runs out in about 14 years. For a retirement that could last 30 years, […]
₹5,000 SIP for 10, 15, 20 and 30 Years: How Much Will You Have?
Quick answer: A ₹5,000 monthly SIP for 20 years (₹12 lakh invested) could grow to about ₹29.6 lakh at 8%, ₹38.3 lakh at 10% or ₹50 lakh at 12% a year. Raise the SIP by 10% every year (a step-up SIP) and the 12% figure nearly doubles to about ₹99 lakh. These are projections, not […]
