Liquid Funds vs Ultra Short Funds | HIGH Return Mutual Funds For Short Term Investment | Rahul Jain

If you want to invest 10 lac rupees only for 6 months, you need to compare Liquid Funds vs Ultra Short Funds. Both ate high return mutual funds for short term investment.
I have covered Liquid Funds Vs Ultra Short Funds on the basis of:
-Returns of Liquid Funds Vs Ultra Short Funds
-Risks of Liquid Funds Vs Ultra Short Funds
-Volatility of Liquid Funds Vs Ultra Short Funds
-Expense Ratio of Liquid Funds Vs Ultra Short Funds
-Exit Ratio of Liquid Funds Vs Ultra Short Funds
Hope you will learn the high return mutual funds for short term investment after watching this video.
If you are a beginner in mutual funds, this video will benefit you a lot.
I am also available on:
🚀💥Email: [e-mail]
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🚀💥 LinkedIn: / connectwithrahuljain
🚀💥 Twitter: / torahulj
Hello,
At 14 🧒, I founded my first business and sold thousands of comics. Ran it for 3 years.
2004, I felt proud of getting a gold medal for my B.Tech from NIT Jaipur in Metallurgy. 💪
I got hired by a steel company. 11 months into it, I couldn’t stand the heat, dust, and noise. 😔
The gold medal I achieved didn’t help me. 4 years of my engineering felt wasted. 😢
I quit. 🤞
2005, I got into a tier 3 MBA school BIMM Pune. Got hired by Mindtree as a Business Analyst. 😊
2010 changed my life and I came to London and became a proud Londoner since then. 😊
Over 14 years, I grew into an IT leader and currently spend my 9-6 as an IT delivery Manager 👨💻
I can only be found on Tennis courts on Thursday evenings, strong at forehand and weak at backhand. 🎾
Every Sunday I teach 👨🏫 moral and Jain values to the kids 🚸 of age group 4-8.
On this channel, I share insights about the following:
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Video Editing by: Nikhil Jain Kothiya
DISCLAIMER:
PLEASE NOTE that I AM NOT A SEBI-REGISTERED ADVISOR so please do your own research. This video is only for educational and entertainment purposes.
#rahuljain #rahuljainfinance #investingforbeginners

[@torahulj]

For exclusive member only content, you can Join my YT community here: 👉www.youtube.com/@torahulj Click on the Join button next to the subscribe button and follow through the process :-) You can follow me here as well: 👉Insta: instagram.com/torahulj/ 👉LinkedIn: www.linkedin.com/in/connectwithrahuljain/ 👉Twitter: twitter.com/torahulj If you found this video educating, please let me know in the comments. 🙌 Also please drop your suggestions on the topic that I should make videos. Thank you for watching and learning with me, keep rocking :-)

[@PropertySaleRent]

In Dono Ko Sell krte time koi problm toh nhi plse explain

[@user-gv6fr4sc1z]

non sense! if you consider taxation, non of your hypothesis is going to work let alone beat the inflation. fixed deposit can still be a better option. at least as of now (7th march 2023), repo rate is high and banks have been giving good fd returns since last one year. liquid funds are not very lucrative. I had to pay big chunk in taxes, so I know this with first hand experience.

[@subhendudas5757]

Nicely explained. And it is better for general investor how to calculate the interest.

[@karthikeyanb6897]

very crisp and clear..:)

[@vivekanandan5093]

Short and sweet simple explanation 🤩🤩 thank you

[@MissionFireMix]

Sir, uti liquid fund takes 5 days to redeem my money. Can you suggest suggest a fund that can redeem in a day?

[@srinivasansv1479]

EDUCATIVE AND INFORMATIVE SIR. THANKS

[@UmeshSingh-nj1kj]

Very useful information, backed with practical example

[@soumennath3447]

That's nice👍 you know your subject❤

[@user-vw5rm9ur4p]

How can i calculate 90 days maturity period in liquid MF? Is it From the date of purchase?

[@p.raghavendrarao2447]

Thank you very much sir for the video & knowledge sharing.

[@SurinderSingh-tn6cv]

Rahul ji , in India latest Fd rates are 6 to 7.5%

[@udayputta711]

Thanks Rahul, then what about taxation on returns?

[@nitikaagrawal1065]

Very much informative video Kindly make part -2 ,3 ... Also

[@harivangala975]

Thank you sir🙏🙏

[@hjag1019]

Where can we check Avg Maturity Period of LMF and USMF on a comparative screen for all funds; not on individual fund separately?

[@saeedrahman8362]

Hi, whats the platform you are using analyzing these fudns.

[@pramosh754]

Nicely explained

[@harishmathivanan2362]

Clear and concise. Thank you for the informative video.

[@user-ur4di4gk9e]

Hello sir I am new to this channel love your videos and teaching style just one question as of now which is this website or app you are using where we can filter and see all mutual funds details please reply Sir

[@sayaksamanta3983]

Very informative video. Sir, I have a request. Please make a videos of best Ultra short term mutual Funds. Because there are a lots of Ultra short term mutual funds

[@Louisharvey56]

Thank you for the video, I found out that investing is not for everybody, you just need a strong stomach too see your portfolio go down. It might be wiser for a novice to start with copy trading investing, but it is not easy. To invest in growth stocks it is another level, definitely you need to know what are you doing.

[@Louisharvey56]

From my own point of view, you need to invest smartly if you need the good things of life. so far i've made over $255k in raw profits from just 6 months into the market from my diversified portfolio strategy and i believe anyone can do it you have the right strategy, mutual funds takes long time but investing smartly is the key for short term. Most of us tend to pay more attention to the shiniest position in the market to the cost of proper diversification.

[@bobschriswell565]

I've been solely investing in real estate. But with the recent hyper home pricing i've liquidated a few things and have $45k in cash laying around idle. Would love to get your recommendations, I'm in search of something lucrative in the current crazy markets, i will be glad.

[@Louisharvey56]

@@bobschriswell565My portfolio is very much diversified so it's not like i have a particular fund i invest in, plus i dont do that by myself. i follow the trades of Mrs Karen Gaye Gray.

[@Louisharvey56]

She is a popular broker you might have heard of. I can correctly say she's worth her salt as a financial advisor as her diversification skills are top notch, because i see that in her results as my portfolio grows by averages of 10 to 15% on a monthly basis, unlike i can say for my IRA which has just been trudging along, my portfolio just mirrors what she trades and not just on some particular industries of my choosing.

[@kendrickjibson222]

By following her trades do you mean copying her trades? I have heard about copying trades

[@bikramkumarsamal8551]

Sir please make a video on nifty bank index mutual funds for investment in details... please do it's a request 🙏

[@dipaksatapara4101]

Very Useful video sir. Thank U !!

[@religionofpeace782]

Liquid funds never give you more than 4-5 %. 6-7% is only possible in banking and psu debt funds

[@user-ur4di4gk9e]

Also how to invest in this mutual funds offline and online medium also

[@parvindersingh7504]

Good information

[@MallelaGBRS]

did like ans subscribe. Nice and crisp details shared mate. Kudos!!!

[@K2Maji]

Better not to replace emergency fund with liquid fund. As, i. From emergency fund you don't expect return, it is on instant availability without limit. Liquid fund has maximum 50k limit for insta redemption. ii. From taxation point of view there is no exempt in liquid fund. It attracts long, short capital gain tax. iii. From security perspective and volatility perspective liquid fund has no match with savings account. iv. Unless you have large corpus liquid fund is not that useful.

[@yaswanthmutakani]

Bro then which is better for emergency fund

[@K2Maji]

@@yaswanthmutakani Bank Fd and savings account.

[@psych0tic69]

Most liquid funds have T+1 or T+2 at max redemption time. You don't need to invest 100% of the emergency fund in liquid mutual funds. Keep 10% cash, 25% in bank and the rest in liquid funds. For the 1-2 days of redemption you can use a credit card for any payments and when the liquid funds are in bank then pay the credit card bill. About tax, STCG and LTCG tax are applied on gains from equity linked funds which invest in share market. This is debt fund and taxed according to your tax slabs, just like FD.

[@diptanudas2987]

Who said max 50k is only available for instant redemption?? I have redeemed over 1 lakh as well instantly, which gets deposited in account within 2 working days

[@K2Maji]

@@diptanudas2987 so T+1 days means to you instant reflection to your bank account. Hope you can also defer your emergency.

[@sanisawant7362]

Very informative thank bro...

[@MissionFireMix]

Another question sir... Do I need to redeem my money from liquid funds after 90 days?

[@divyaalokverma]

No

[@kshamadalal2358]

Very good analysis but find out more stocks from budget

[@MrRohitChauhan1]

Hey @rahul-jain can you make a practical video on growpital. Is it safe ? what are the risk factors? is it okay for long term ?

[@ashoktangudu4277]

Sir, please suggest me where to park the funds (while I am accumulating monthly) to build down payment (20 Lakhs) for house purchase which will be around after one year. Request to reply

[@Shiv-st4kl]

Can you recommend good ultra short fund

[@sanjeev8528]

How is hdfc ultra short term fund? Can i invest in this fund instead of keep my spare money in saving ac or fd?if i redeem my money in ultra short term fund,in how many days i receive it in my bank account?

[@TusharKarmokar99]

All these r to confuse people. Simply avail sweep in facility or keep fds in sfb and spread out maturity

[@shiroyabhavesh2352]

For 2 months which is best mutual fund?

[@lazyyethealthy9230]

Thoda jargon zyada laga. Otherwise, good video

[@harrynair24able]

How about ultra short term and short term debt funds.. which one is better option... Pl guide

[@cleelakumar]

Thanks for your Valuable in information, I required to park in Liquid fund as Emergency purpose, but i want to redemtion with in one hour(Instantly), please refer which funds are better for spart redemtion

[@k.anarayan1123]

Sir pl suggest BTST working..

[@sandyg241]

Can u make video on dynamic bond funds like ICICI all seasons bond fund... Can I choose Dynamic bond funds for saving some money for short term goal within 6 months to 1 year how risky or volatile are they compared to ultra short term fund?

[@abhinavsingh3045]

Hey Rahul, what if I want to withdraw my money from a liquid fund on the 100th day. How does that work? Can we do that?

[@pranavgaganan5595]

I cant find any other channel talking about this

[@BobyEJ]

Thanks. For starting STP , where can I keep lumpsum? To start in a week and the STP is a period of 3 years. In Liquid or short term?

[@sharma7006]

Hi, I am your great fan from Kerala. Very informative and the guidance. One doubt is, Is it good to invest in ULIPs, example, Max Life, HDFC Click to Wealth. If my goal is for long term. I am 32, I have a goal for my child education in next 18 years. And so. Is it good in ULIP or in Mutual funds

[@techihandle]

No

[@kumarshikhar4084]

never do that !!!!!! I repeat never never never !!!!!!!

[@trijay]

Please make video on arbitrage fund v/s liquid funds

[@Bhakt1204]

Now a day maximum banks give 7-8% pa in FD so fd is better than liquid funds

[@kmrao06]

Thanks for your video. (1) I have an observation. Let us assume we want to invest Rs 10 lakhs for a short term say about 3 to 4 months. FD rate in banks is about 4.5% and expected return on liquid MFs / Ultra funds is 7.5%. The difference in the proceeds = 10,00,000X(7.5-4.5)/(4*100) = Rs 7500. The expected gain Viz., Rs 7.500 is too small to entice an investor to take the pains. (2) Secondly if the period of investment is increased to about 1.0 year to 2 years, FDR is about 7.1% in many banks whereas the return on debt funds is also approximately same. Even after considering the saving on account of IT, the gain is only marginal and certainly not enticing . Therefore, at the moment, these debt funds are not attractive. If the interest rates come down in future, the status may change. I shall be grateful if you can give your views to correct myself. (3) Kindly give your views on investing on Bank nifty funds in the long term horizon say 5 to 8 years.

[@Wishandbox]

Private setor banks are offering 7% on saving accounts. That will fetch more ROI. What are your thoughts on it Rahul

[@GodKnowsWhoAmI]

If the mutual fund invest in t bills securities etc, why not invest in these instruments directly than invest thru mutual fund. How is this helpful?

[@tagore161]

Liquidity.

[@NITISHBHATT008]

What is the alternative for RD ?

[@NITISHBHATT008]

@torahuli 🖕

[@160_priyadharsini.k_sec-c8]

I am not under. Tax slab......then i cannot pay any tax?..

[@harshitsinghrao1112]

The claim is wrong. You are not considering one year returns of FD, which is 6 percent. So liquid mutual funds and FD give almost equal returns.

[@DKS-se8ym]

There is always risk involved as it is happened in Franklin MF Scheme.

[@deep0123456]

I want to hold money for 3 years. Which debt fund suits me ?

[@religionofpeace782]

Short term debt funds

[@skinhealthfitness402]

Please Sir Try To Explain In. Hindi

[@myrle-v4g]

Recently bought some recommended stocks and now they are just penny stocks. There seems to be more negative portfolios in the last 3rd half of 2023 and first half of this year with markets tumbling, soaring inflation, and banks going out of business. My concern is how can the rapid interest-rate hike be of favor to a value investor, or is it better avoiding stocks for a while?

[@jeanlaudato]

Just ''buy the dip'' man. In the long term it will payoff. High interest rates usually mean lower stock prices, however investors should be cautious of the bull run, its best you connect with a well-qualified adviser to meet your growth goals and avoid blunder.

[@Daneilchirs]

Even with the right strategies and appropriate assets, investment returns can differ among investors. Recognizing the vital role of experience in investment success is crucial. Personally, I understood this significance and sought guidance from a market analyst, significantly growing my account to nearly a million. Strategically withdrawing profits just before the market correction, I'm now seizing buying opportunities once again.

[@shizue-w7n]

nice! once you hit a big milestone, the next comes easier.. who is your advisor please, if you don't mind me asking?

[@Daneilchirs]

My go to person is a ‘ANGELA LYNN SCHILLING '. So easy and compassionate Lady. You should take a look at her work.

[@shizue-w7n]

Thank you for this amazing tip. I just looked the name up and wrote her up, to schedule a call. many thanks.

[@ameyapathak2008]

Ohh..I get it ...If am not a member then you won't answer our query..but anyways ..like your channel hence posting it anyways... Can you tell us what's the difference between ultrashort fund and Floating intrest fund??

[@ArunKumar-te1dq]

Thank you

[@cleelakumar]

Thanks for your Valuable in information, I required to park in Liquid fund as Emergency purpose, but i want to redemtion with in one hour(Instantly), please refer which funds are better for spart redemtion

[@cleelakumar]

Thanks for your Valuable in information, I required to park in Liquid fund as Emergency purpose, but i want to redemtion with in one hour(Instantly), please refer which funds are better for spart redemtion