Hi fishes,


Any suggestions on debt mutual funds which are good. I have some 10k-15k left each month which I put as an emergency fund but mostly this amount gets mixed up with next month's salary. I am thinking of investing this amount monthly in a debt fund for the short term but not able to decide which is good.

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You should cover your basics. A term and health plan. Emergency fund covering your 6-8 months of monthly expenses in a separate FD. If you think it gets mixed up, start a RD and once you get the desired amount start a FD and keep a bit of it in a different savings account. Then you can start investing in equities. Debt funds also have a bit of risk, so when it comes to emergency funds a simple FD would work. Do not run behind returns, since those returns won't be helpful in case of an emergency.


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