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"Where do I invest money for the short-term?" This is a question many of us investors have previously asked ourselves and is even more pertinent now as elections, interest rates and geopolitical instability makes the investing environment a lot more uncertain. In this video, I shall take you through 8 safe & reliable places to park your money in the short run during these unpredictable periods. This includes:
1. Bank Fixed Deposits that offer stable interest rates, the returns are guaranteed & there is good liquidity. Alternately, corporate fixed deposits offered by NBFCs & public sector undertakings and post office term deposits can also be considered
2. High-Interest Bank Savings Accounts offer high liquidity and competitive interest rates
3. Debt Mutual Funds esp. liquid, money market and ultra short duration funds can provide safety and low interest rate sensitivity
4. NPS Tier 2 Accounts provide low-cost, flexible, and liquid options for parking money in the short-term via Class G and Class C schemes
5. Arbitrage Funds exploit price differences in cash and futures markets offering relatively low-risk opportunities and equity-based taxation on returns
6. Conservative Hybrid Funds offer better returns than debt instruments due to the dash of equity (10-25%) in them
7. Equity savings Funds use their one-third allocation to equities and arbitrage to offer equity taxation on capital gains and better returns than the conservative hybrid funds
8. Balanced Advantage Funds or dynamic asset allocation funds use a mix of equity and debt investments to offer potentially higher returns at optimized risk

👉 Video Chapters:
00:00 We Live In Interesting Times
01:15 Fixed Deposits
02:42 High Interest Savings Account
03:28 Debt Mutual Funds
06:21 NPS Tier II
08:16 Arbitrage Funds
09:43 Conservative Hybrid Funds
10:37 Equity Savings Funds
11:32 Balanced Advantage Funds
13:07 Shankar's Viewpoint

#shortterminvestment #uncertainty #shortterminvesting

Disclaimer: I am not a SEBI registered investment advisor or research analyst. I am not registered with PFRDA or IRDA either. The content posted on this platform is purely for educational purposes and none of it constitutes investing or trading advice. Viewers should do their own research and diligence before investing or acting on the information presented. Some of the links I have posted in the video, the description, the comments and other related resources might be affiliate links