25M Seeking advise on my investment cycle and plan for emergency funds
25M working in IT , making 20L
Risk horizon: medium
Investment in: FDs , MF , Stocks , Gold bonds , US MF
MF investment
Parag Parikh flexi cap: 15k/m
HDFC small cap direct growth : 6k/m
US MF : 8k/m
I’m thinking to build emergency funds outside of my saving accounts
I do have funds in my saving accounts but I’m thinking to give a growth job to every penny I earn
So I’m exploring liquid fund as it’s better than FDs in many ways (I can feel dive but it’s just a Google search away ) and arbitrage funds
I’m exploring business ideas as well for a side hustle so thinking of 5k /m investment for that in arbitrage fund as I want to save tax
I’m confused between Liquid funds and Arbitrage for both emergency funds and business investment
I’m thinking of splitting it up , I’m working on it
This is my first time posting this in the subReddit so let me know if you need any more information to review this
And all suggestions and advise are welcome