Mutual Funds

When the market feels unpredictable, invest in outcomes—not assumptions. A business owner recently asked: “Equity feels too volatile, FDs are taxable, and I don’t want to lock in money for 5 years. I need something stable. Are target maturity funds a better option?” Absolutely.

When the global headlines are grim, should you still bet outside India? A business owner recently asked: “I had invested in US and global mutual funds two years ago. Now with global tension, interest rate changes, and currency swings, I’m wondering—should I stay invested or exit?” Another shared: “Everyone used to talk about diversifying internationally. But now all I hear is volatility and uncertainty. Is global exposure still relevant?”

The safety of FDs is familiar. But liquid funds have quietly become smarter. A business owner recently asked: “I’ve been using fixed deposits for years. But I keep hearing about liquid funds. Are they safe? Do they really give better returns?” Another said: “I parked ₹10 lakhs in an FD at 6.5%. Then I found a liquid fund that returned 7%—with next-day access. Am I missing something?” If you’ve relied on fixed deposits (FDs) for short-term savings, you’re not alone.

Even if your cash flow is unpredictable, your wealth creation doesn’t have to be. A freelance designer once told me: “I earn well across the year, but I never start SIPs because I don’t know what I’ll make next month.” Another SMB owner said: “Sometimes I earn ₹5 lakhs in a month, sometimes ₹80,000. I wish I could invest consistently—but I always hesitate.” This is common.

Save tax today. Grow wealth tomorrow. A client once asked: “I want to reduce my taxable income under Section 80C—but I don’t want to lock my money for 15 years like PPF. What else can I do?” Another said: “My CA told me to invest in ELSS, but I don’t really understand what it is. Is it safe? Is it risky?” If you're looking to reduce your tax liability without freezing your money in low-return options, ELSS (Equity Linked Savings Scheme) might be your best bet.

You don’t need a scandal to need structure. A founder once asked: “Why worry about governance? We’re a 12-member team, not a listed company.” Another said: “We trust each other. We’re not Infosys—do we really need board protocols?” Here’s the thing: Governance isn’t about company size—it’s about decision quality and risk prevention. You don’t need to copy corporate boards, but you do need clarity, checks, and documentation.