Saurabh Gala

Badshah Falooda: A legendary Mumbai sweet treat! 👑
Ordered Rabdi Falooda!

#subscribe #BadshahFalooda #MumbaiFood #Falooda #StreetFoodIndia #dessert #like #yummy

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2 months ago | [YT] | 3

Saurabh Gala

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#cricket #fans #virat #bangalore




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6 months ago | [YT] | 1

Saurabh Gala

Use Liquid funds to park your Cash

#investing #finance #mutualfunds #subscribe
#personalfinance #income

8 months ago | [YT] | 3

Saurabh Gala

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8 months ago | [YT] | 5

Saurabh Gala

Why Liquid Funds Are Better Than a Savings Account ?
Liquid funds are a type of mutual fund that invest in short-term debt instruments like treasury bills, commercial papers, and certificates of deposit, with maturities typically up to 91 days. They aim to provide safety, liquidity, and slightly higher returns compared to a savings account.

Numerical Example
Let’s assume you have $10,000 (or ₹10,00,000, depending on your currency) to invest for 1 year. We’ll calculate the returns for both options:

Savings Account (3% Interest)
Principal: $10,000
Interest Rate: 3% per year
Interest Earned = Principal × Rate × Time
Interest = $10,000 × 0.03 × 1 = $300
Total Amount After 1 Year = $10,000 + $300 = $10,300

Liquid Fund (6.8% Return)
Principal: $10,000
Return Rate: 6.8% per year
Returns Earned = Principal × Rate × Time
Returns = $10,000 × 0.068 × 1 = $680
Total Amount After 1 Year = $10,000 + $680 = $10,680

Comparison
Savings Account: $10,300
Liquid Fund: $10,680
Difference: $10,680 - $10,300 = $380 more with the liquid fund.

Over one year, the liquid fund earns you $380 more than the savings account. This gap grows larger with higher amounts or longer time periods.

Advantages of Liquid Funds

Higher Returns: As shown, 6.8% beats 3%, making it a better option for idle cash.

High Liquidity: Withdrawals are processed quickly (often within 24 hours), similar to a savings account.

Low Risk: Liquid funds invest in high-quality, short-term securities, minimizing risk compared to equity funds.

Flexibility: You can redeem units anytime without lock-in periods (unlike fixed deposits).

Compounding Potential: If returns are reinvested, you can benefit from compounding over time.

Conclusion

Liquid funds are better than a savings account if your goal is to earn higher returns (6.8% vs. 3%) on idle money while maintaining good liquidity and low risk. In the example, $10,000 grew to $10,680 in a liquid fund versus $10,300 in a savings account—a clear win for liquid funds. However, they come with slight risks and less immediacy, so they’re ideal for funds you don’t need instantly but can spare for a day or two. For emergency cash requiring instant access, a savings account still has its place.

‪@KushalLodha548‬ Got to know about this from your podcast with Gajendra Kothari. Thanks for sharing this valuable knowledge!


#investing #finance #personalfinance #savings #investment #mutualfunds

8 months ago (edited) | [YT] | 5

Saurabh Gala

Maximize Your Returns with STP: A Smart Investment Strategy

Feeling overwhelmed by market volatility? Want to invest in equities but hesitant to take the plunge all at once? A Systematic Transfer Plan (STP) might be your answer!

What is an STP?

An STP allows you to transfer a fixed amount of money from one mutual fund scheme to another at regular intervals. In this case, we'll focus on a strategy where you invest a lump sum in a liquid fund and then systematically transfer it to an equity fund.

How it Works:

1. **Lump Sum Investment in a Liquid Fund:**
* Liquid funds are low-risk debt funds known for their stability and high liquidity.
* By investing a lump sum in a liquid fund, you park your money safely while earning a modest return.
2. **Systematic Transfer to an Equity Fund:**
* You set up an STP to transfer a pre-determined amount from your liquid fund to an equity fund of your choice at regular intervals (e.g., weekly, monthly).
* This allows you to benefit from rupee-cost averaging, where you buy more equity fund units when prices are low and fewer units when prices are high.
* This removes the risk of timing the market.

Benefits of Using STP:

* **Rupee-Cost Averaging:** Reduces the impact of market volatility by averaging your purchase price.
* **Disciplined Investment:** Encourages a disciplined and systematic approach to investing in equities.
* **Reduced Market Timing Risk:** Eliminates the need to time the market, which is notoriously difficult.
* **Potential for Higher Returns:** Equities have the potential to deliver higher returns over the long term compared to liquid funds.
* **Flexibility:** You can choose the transfer amount, frequency, and duration based on your financial goals and risk tolerance.
* **Liquidity:** Your lump sum is initially in a liquid fund, providing easy access to your funds if needed.

Why Liquid to Equity?

* Liquid funds provide a stable base for your investment.
* They provide returns that are higher than savings accounts.
* They are relatively safe.
* This strategy helps you gradually build your equity portfolio without taking on excessive risk.

Important Considerations:

* Choose a reputable fund house and well-performing liquid and equity funds.
* Consider your risk tolerance and investment horizon before investing in equities.
* Remember that equity investments are subject to market risks.
* Consult with a financial advisor before making any investment decisions.

By utilizing an STP, you can strategically navigate market fluctuations and potentially maximize your returns over the long term. Start planning your smart investment journey today!

#subscribe #investment #mutualfunds #finance #money #returns #personalfinance #content #like

9 months ago | [YT] | 4

Saurabh Gala

India's quick commerce race is on! Blinkit, Zepto, and Swiggy Instamart are battling for speedy delivery dominance, reshaping how we shop for everyday essentials.

#QuickCommerce #India #Blinkit #Zepto #SwiggyInstamart

#like #share #subscribe

‪@letsblinkit‬ ‪@SwiggyIndia‬ ‪@ZeptoNow‬

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9 months ago | [YT] | 4

Saurabh Gala

Just watched "Chhava" and I'm genuinely moved. This isn't just a historical drama; it's a powerful portrayal of courage, sacrifice, and the enduring spirit of the Marathas. "Chhava" is a cinematic experience! The sheer scale and emotion of this film are breathtaking. A must-watch for anyone who loves historical epics. The dedication of the cast and crew shines through in every frame. #ChhavaReview #BollywoodMovies #HistoryOnScreen #Subscribe #Chhava #Bollywood #MarathiHistory #MovieReview
‪@MaddockFilms‬

9 months ago | [YT] | 4

Saurabh Gala

#cricket quiz: Which country is scheduled to host the ICC Champions Trophy in 2025?

#subscribe #india #pakistan #australia #england #championstrophy
#viratkohli #rohitsharma #answer #love #game #match ‪@ICC‬ ‪@pakistancricket‬ ‪@officialenglandcricket‬ @BCCI ‪@cricketcomau‬

9 months ago | [YT] | 3

Saurabh Gala

Rohit delivering my Zomato lunch on IND vs PAK day! 🏏 Talk about timing. #INDvsPAK #ChampionsTrophy2025
#RohitSharma
#ChampionsTrophy ‪@zomato‬

10 months ago | [YT] | 4