If you like this video, please press like button to support my channel, thank you in advance 🙂 Also drop any questions you may have in comments :-)
@yashwanthdilipkumar818
8 ай бұрын
I don’t buy the logic why index fund can’t be considered as a emergency fund !! It’s my 12 months requirement ! I can liquidate it in 3 days time max !! Though it’s not fetching the required returns it’s still easily liqudatable!!
@pushkarerande123
4 ай бұрын
Can you make video on how to link multiple investment instruments, to get maximum output/returns? For example : FD interest -> Mutual fund.
@puspenduroybht
4 ай бұрын
SIR i WANT TO GET SOME ADVICE REGARDING INVESTMENT CORPUS. KINDLY GIVE PAID SERVICE LINK
@techihandle
Жыл бұрын
I have monthly expense of 25k, 3 years worth of fund in liquid Mutual funds(9L). My whole salary goes into buying assets now after subtracting cost of living. My mistakes in trading made me learn importance of it.
@ArnabDas-zd9tw
Жыл бұрын
Underrated channel . Quality content Sir
@akshat3825
11 ай бұрын
The most simplistic explanation on youtube. No confusion. Clear and precise knowledge. worth a subscribe!
@IamRahul_007
Күн бұрын
Zabardastttttt Mazzaaaaa Aa Gayaaaaa! 🔥💫🔥
@thiyagusathya4613
Жыл бұрын
If emergencies occur in satuday or sunday, can we liquidate it in 30 mts sir?
@ajitadesai3176
Жыл бұрын
Thank you for this useful information. Sir, please make video on " Financial Plan for 25000,30000 salary investing to generate 50 lakh/1 Cr in 10 years"
@monikavaswani660
Жыл бұрын
Thank you Rahul. I am not sure if you have created a detailed video of FD vs Liquid or Debt Mutual funds. It'll be great if you do. Specially after the removal of indexation benefit, need some details to compare.
@rajeevroy3981
Жыл бұрын
shoot a video on STP . Is it possible to have money parked in one liquid fund and do STP in Equity fund of another AMC. Personally I do STP as I get erratic return s from my business and I invest it in a liquid fund to feed the equity fund .
@wasimrailiwale9979
7 ай бұрын
Is it right to keep emergency fund in FD 50% and 50% on FD? In case of Emergency if We have to break FD there will be some charges for that to take money before maturity. I think 10% Cash 15+15% in two different accounts and 60% on Liquid Funds.
@ajrpai
2 ай бұрын
I didn’t know that a younger Derek O'Brien was into financial advice 😅
@satyasarma266
9 ай бұрын
I just seen 3 videos, I subscribed it. It's more simple and very much understandable. No fancy terminology to showcase . I loved it. Thanks . Keep going 😊
@eb-yj5ue
14 күн бұрын
We Indians posses descent amount of gold.On an avg if I say I have gold worth 1 years worth of expence which also can cover my home loan emi+monthly expenses. Is it worth using gold as emergency funds, as banks will disberse gold loan on same day. Rather accumating emergency funds, shall I used my gold as one and Co tinue investing in mutual funds? +
@pravin9803
Жыл бұрын
Thanks for this video. Brings a lot of clarity on this important aspect, which is a life saver in these uncertain times. Very relevant too for 2023, when a global recession is expected, leading to sudden job cuts.
@Samurai-hv7ck
Жыл бұрын
I think saving bank account mei hi auto sweep fd jyada convenient hai.
@dr.hardikmittal
Жыл бұрын
Thanks.....but for a salaried person, say 60 k with expenses of 50k....only 10 k per month, he would just go on accumulating emergency fund fir years...and assuming he doesn't go on any vacation during that years ... So no investments with higher returns....how to beat that? And also with each year inflation rising, EF value also needs to be increased accordingly.....so basically a never ending process unless you start 1 L per month.
@Swapnil_The_Rockstar
Ай бұрын
If 50k are his expenses out of 60k, ideally he is living more lavishly than what the situation actually anticipates. his expenses may include many superfluous things such as weekend alcohol parties once or twice a month, high average order ticket size from Zomato Swiggy etc. Not counting home loan or car loan, as it's his own choice. But the former can be cut off to some extent and he can save 20-22k per month instead of 10. And if he is ready to pull up socks, a side income generating even 10-15k per month would make a good difference too. As we know in cities like Mumbai or Gurgaon, it's quite challenging to manage. P.S. I've been going through this situation and I also made some mistakes, so I've explained as per my understanding.
@ishanipimpale
28 күн бұрын
Dont have so many expenses
@vaibhav5163
3 күн бұрын
If you can have emergency fund for 2 years that means you are already in upper lever 10 % bracket of people and if you are thinking if emergency then you already must have arranged other things so for those people investment is their way
@shaileshshah8346
Жыл бұрын
Thx for video. Quite useful . Can u please make video on how goal based tax efficient financial planning to b made if my monthly salary is 2 Lakh? Goals like children education , their higher studies , MarriGe , retirement , domestic as well as foreign travel buying car, home , repairing home, etc its illustrative thx ,
@siddharthasngh940
Жыл бұрын
Loved it , Now I have clarity on where to park my emergency fund and how much to park 😍. Thanks you #keepupthegoodwork
@torahulj
Жыл бұрын
Thank you Sid for the comment. Motivates me to make more videos :-)
@ark0398
6 күн бұрын
My question here is why not save 2 months of salary and start a emergency sip of whatever amount you were saving. In that case even in emergency you can have the money which you can withdraw within a week time
@ankurleonardo
8 ай бұрын
How does an accident cost be levelled up with a 6 month expenditure sum???
@Lakshmiandiappanyoga
Жыл бұрын
Is NPS I’d advisable above 40 years for retirement
@SanthoshS-re8ee
Жыл бұрын
Can i invest in any small financial bank instead of choosing liquid mf and FD? If yes which small finance bank is good?
@maaruthis
9 ай бұрын
Excellent video, Rahul. I have got a lot of clarity now for my next steps. Joining the membership :)
@AnsumanMukherjee
8 ай бұрын
Thank you for this insightful video. Would be great if you can provide insight into how to build the required corpus amount in a SIP manner. Basically, where to park SIP amount until goal amount is achieved? From your video, I understand that the context of splitting between FD and Liquid funds is applicable once the goal amount is achieved. Am I missing something in my understanding here?
@biswadeepmitra2742
Жыл бұрын
rahul i want to invest in liquid funds i want your guides
@arunprasad3411
Жыл бұрын
Sir can i invest in small finance bank ?
@pranaymv1750
6 ай бұрын
Very helpful information.Fantastic tips
@rajibbehera9612
8 күн бұрын
I think auto-sweep feature will be good for this
@muralinadarajah6455
8 ай бұрын
Park your emergency funds in Gold.
@behelpful1546
Жыл бұрын
High quality content. Really appreciate it 🎉. Are there any liquid mutual funds do you recommend? Thank you
@torahulj
Жыл бұрын
Yes there is a full video on my channel. Thank you for your lovely comment :-)
@shibanisill
7 ай бұрын
How do we explain expenses because it depends on person to person?
@NagarajCruze
9 ай бұрын
How do you make monthly FD? Initially you said invest every month for 2.5yrs but how do you do in FD?
@johnny_bravo9990
Жыл бұрын
Credit Card is for this isn't it?
@balaji4991
9 ай бұрын
Does pms is good to invest or mutual fund?
@navnitpatel5292
Жыл бұрын
राहुलभाई हिन्दी भाषा में भी वीडियो बनाये। समज में अच्छा रहेगा।
@Swapnil_The_Rockstar
Ай бұрын
Can we include PF from our earnings as an emergency fund in addition to our primary bank balance, in case our primary bank balance funds are a bit on the lower side, let's say 30% less than threshold?
@pabitramaharana5513
Ай бұрын
Jitna emergency month hai ...utna tih salary hai
@santoshchaudhari8137
24 күн бұрын
Expenses ? Like how to choose criteria
@dipeshmali7907
6 ай бұрын
Thanks you @Rahul for sharing things in very simple terms. Can't we consider medical insurance as an Emergency Fund?
@bittu_ds
6 ай бұрын
What about parking some percentage in FD based credit cards as they provide on an avg 7.5% interest rate and i can swipe my card at any emergency and also not break the FD.
@hemanthkumar5183
Жыл бұрын
Can you make videos on retirement planning?
@prabhatshukla8611
9 ай бұрын
There is no tax liability on FD upon withdrawal/maturity It’s on accrual and gets charged every FY
@sudeendrag1555
7 ай бұрын
what about arbitrage funds sir?
@debottamdasgupta7487
Жыл бұрын
Here, below points are not clear... 1. For fixed diposit, if monthly I will save 10000 ,then at a time how I can keep 1lacks ? 2. For fixed diposit, for how much time should I fixed my money?
@sashi_88
Жыл бұрын
Only one option is to buy gold ornaments. That will only help in emergency case. Also it will beat inflation
@swatstune
4 ай бұрын
This is exactly what I was looking for Rahul. Coincidentally, I was looking for a framework for investing my 6 lacs. Thanks a lot !
@harishpurandare7614
5 ай бұрын
I like your videos. Simple understandable language with quality content . Keep up the great work 👍
@riddhisonwane6846
4 ай бұрын
Hello sir, I have a question:- In which category of the 50-25-25 method I should put emergency fund?
@ramsukumaran
Ай бұрын
Hare Krishna bro. Very useful if u can explain liquid funds in details. BAGWAN Shree Krishna Bless U
@luckeyjaswal9031
9 ай бұрын
Thnku so much sir ji, I m with u to be financially free, subscribed ur channel, superb content , pls make a channel where video is same but dubbed in Hindi or other regional languages....bcoz ur content is classy , every1 will appreciate sir ji
@mohdfaisalkhan2333
Жыл бұрын
Mutual fund for girl marriage horizon of more than 15 years
@ashishlimaye2408
8 ай бұрын
Really great videos!!!
@ravirajdange1981
3 ай бұрын
Hello rahul, good information, but i want to add something, proper insurance plays important role here, suppose anyone had medical emergency and they have good cashless policy, no need to encash emergency money in 24 hours, also any middle class peopl✨now days use cedit card, u can better use them. So my opinion is make emergency fund of maximum 6 months, if u fullfill above things. Thanks
@ayushtherealhero08
Жыл бұрын
Exactly the kind of video I was looking for.
@karancariappa1422
4 ай бұрын
Sir, I get income once or twice a year as I am an agriculturist. So will it be ok to put entire years money in liquid mutual fund and withdraw from that every month as I use.
@DataCoholic
Жыл бұрын
Does that monthly expenses includes home loan emi, car loan emi's and any such emi's which i think most of the people do possess nowadays?
@AsifAnsari-uj8cc
3 ай бұрын
your explainations are spot on. I am a student who passed and doing a job as a fresher with 25 to 30k salary but i think lot about saving money for short term goals, long term goals and for emergency. what should be my main goal.
@Sandbox-coder
4 ай бұрын
Hey Rahul must say quality content... recently come across your channel and already subscribed 😊... have small query that does it include medical and term insurance as well?? In that case need to increase more money in calculation you mentioned at the start of video
@pckcnk
25 күн бұрын
Rahul ji, Can I consider my PPF deposit , which is matured & is in the 5 year ext period, as my emergency fund?
@tamilselvanr694
8 ай бұрын
Useful. Great content
@geopaul6178
7 ай бұрын
My 3 months expenses in liquid fund and 9 months in swing trading
@m.raghuraja9082
Жыл бұрын
Hi Rahul Is it good to invest this emergency fund in Tier-2 nps account?
@moyeenshaikh9915
Жыл бұрын
I heard we should park some money in bank too, as in, in the form of cash. what about this?
@bkbabu1413
9 ай бұрын
Why can't we keep 1.5 Lakh in FD or liquid MF and use credit card to balance it out and invest the money in ETF's instead as once you sell the stocks you get the money 8n 3 days and give decent returns. And the credit card has 45 days grace period right
@AnalKumarKundu
9 ай бұрын
Yes this is what I did
@AnalKumarKundu
9 ай бұрын
Use a credit card for an emergency
@YogNav
Жыл бұрын
Linked FD icici, you can withdraw from atm multiple of 5k
@kpwilzhimomi5179
Жыл бұрын
Quality content. New subscriber here. Keep doing good brother. ✋
@pjsraju5040
8 ай бұрын
Very good content
@navinsharma4158
4 ай бұрын
Could I park my emergency fund in NPS tier-2 account
@hackerhegde4188
3 ай бұрын
Emergency Fund is most important part of personal finance. It is the first step and it should be in cash or savings in bank account, easy it get.
@sat_talk
Жыл бұрын
Awesome video..Is it ok to not to withdraw money from a liquid fund when the return at that time is very low. I mean can we keep liquid fund money for 1 ,2 5, 10 years as we want and withdraw when it returns is high just like equity fund.. please guide me
@hajirakathoon7480
Жыл бұрын
Quality and comprehensive content...
@torahulj
Жыл бұрын
Thank you so much 🙏
@SaadonAksah
6 ай бұрын
Nice! Thanks for breaking it down 👍
@ravichandransivaraman6106
7 ай бұрын
Want to know if this would vary from country to country
@abhayrohit
Жыл бұрын
i keep my emergency fund in my icici bank money multiplier plan which is a linked fd plan so my money stays in Savings account i can withdraw it anytime and also i get 7% return on that
@abhishekjain8675
Жыл бұрын
Awesome video !! Thank you so much!!
@torahulj
Жыл бұрын
You are so welcome!
@nileshrathod1
Жыл бұрын
Thanks for clarification, How to stop the on going mutual funds investment due to such emergency... And restart back?
@sukanyamukherjee9400
Ай бұрын
Please make a video for retired people without pensions, on how to invest their money which will take care of their regular annual expenditures, emergency requirements as well as growth of principal amount to combat inflation. Annual expenditures include regular monthly expenses, various kinds of insurances and also personal expenditures like travelling, giving gifts on social occasions, dining out, entertaining people.
@Dvr_24
11 ай бұрын
What is difference between MOD in bank vs liquid fund
@abdullasajwani3874
27 күн бұрын
You Ignored Gold
@svnrm2004
Жыл бұрын
Thank you for the expert advice. In case of liquid funds one has to keep investing( doing transaction) every 91 days. Any insight on how to handle it
@murthydudala
4 ай бұрын
Who issues liquid mutual funds .can sbi psu banks issue this funds please Rahul thank you clarify
@sheshadrinc1214
Жыл бұрын
Can we consider PF as Emergency fund??
@josephrajareddy4606
Жыл бұрын
Gold meets all the 3 criteria’s which you have defined. Can the personal gold act as Emeg fund ?
@ryte2tushar
17 күн бұрын
❤ excellent information thanks Rahul ji
@prashantpande1674
23 күн бұрын
Great video
@Shashwat_originals
Ай бұрын
How to save money from 25000 salary per month sir?
@jaisinghrathore3386
5 күн бұрын
Very nice
@mousumihazarika1698
Ай бұрын
Useful information. Thank you.
@mousumihazarika1698
Ай бұрын
Useful information. Thank you.
@govindarajan6576
Жыл бұрын
Very good suggestion 🎉 try making vedeo for seniors to generate pension income for themselves 🎉
@Kirmbadi1934
Ай бұрын
Thank you
@zcalry6221
Жыл бұрын
Thank you so much bro for your valuable suggestion
@prateekvashisht8328
Жыл бұрын
Very Rightly and nearly explained, thank you sir. For your excellent information. And your voice and content is amazing. One of your early subscribers.
@ramsukumaran
Ай бұрын
Really very good essential information.
@rajeevroy3981
Жыл бұрын
Which liquid fund is suitable for Emergency fund. Will a 2 in 1 account in a bank be a suitable option for emergency purposes?
@TtoobeetTtoobeet
6 ай бұрын
Sir, can we consider credit cards as a part of our emergency funds ?
@joshuakurien5826
Ай бұрын
Very good information. Thank you
@shailaishgarg
Жыл бұрын
Sir I have only 1 month expenses in my bank as an emergency and remaining all kept in my MF. Do I need to redeem it and first kept it as emergency or should I stop SIP and build emergency fund. My second question is: I am 38 year old and my spouse is also working and we both are having enough medical and other required insurance…do we need to consider 3 month as emergency period
@torahulj
Жыл бұрын
Yes pls stop SIPs and first build EF. No need to redeem. Second answer is YES. Pls build at least 3 months EF.
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