What are Liquid funds? Fixed deposits vs liquid funds in Hindi
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- Опубликовано: 7 мар 2020
- In this video we will discuss what are liquid funds, how much return they provide, are they safe ? Should you prefer them over fixed deposits etc .
In the realm of investments, there are various kinds of funds available for investment. One such fund is liquid funds. There are quite mixed reviews about them. Some claim that they're quite safe to invest in, while others want to stay away from them.
But, what are liquid funds exactly? In this Video, we'll be discussing just that, along with some terminologies and examples associated with them.
Liquid funds are a category of debt funds. They invest your money in short-term financial instruments with a maturity of around 90 days.
As an investor in a liquid fund investment, you can sell your units anytime you want, i.e., there's no prescribed lock-in period in liquid funds. Furthermore, you can easily ask for repayment of your investment before maturity (also known as redemption), and the money transfer is done to your account. Hence, liquid funds don't have any extra load (an amount you pay when you leave a fund scheme), nor do they have any entry load associated with them.
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Liquid funds do have risks associated with them, like mutual funds. However, this does not mean you shouldn't even consider investing in them. Consider investing in AAA-rated liquid funds, they may be low rated; but they are safe as compared to other liquid funds. Always remember, there are pros and cons to everything. All you need to do is find a way to extract more pros out of them, rather than the cons.
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I am a noob in finances and still I understood everything you said. Such a great explanation.
P
I was just thinking about this topic 5 minutes ago. I opened YT and found this video on the top. Incredible services Mr. Kamra 👌❤️
Same here
same with me😀
Same here
Same bhai apni phone pe hi dkha aur yt par ye video
Same here
You have depth knowledge of financial management , no doubt u r maestro
Watching this video after 2 years but still the most detailed video i have ever seen
You discuss complex things very clearly, nice presentation, thank you Mr. Kamra.
Bro the way you Explain things have made me Addicted to watch all your vedios, Excellent bro Thank you soo much..🙏
Glad to hear that!
Aap itne effectively explain karte ho na sir sach me man karta hai ki aap ko gale laga lu. Thank you so much ❤
Waiting for this from months, thanks finology
Really I am searching for this video and getting the same from finology is soo good...
What a great explanation in simple terms! 👍🏾
Please make a video on Franklin Ultra Short Bond Fund and why it failed even though it's supposed to be a liquid fund! As you explained, they were supposed to invest in instruments that mature in 90 days so howcome they don't have liquidity?😳
Your View on YESBANK, must be true but I think,We need more time for that. I admire your acceptance and Salute your courage.
I have been investing in the Nippon liquid fund using paytm money app as well as Tata index sensex. Thank you for your video. It cleared my doubts about liquid fund.
लिक्विड फण्ड सही है😊😊💵💵💰💰💰👌🏻👌🏻,बहुत he acha वीडियो प्रांजल जी😊😊👌🏻👌🏻🇮🇳🇮🇳🇮🇳🙏🏼🙏🏼🙏🏼🙏🏼
Really well explained and very well articulated and elaborated. Got the information exactly what I was looking for. Great video Pranjal.
Glad it was helpful!
As a person who always invests in liquid funds, I can say that all the information you have given here are spot on. I advise everyone to keep a certain portion of their investments in liquid funds as they are relatively very safe and highly flexible.
शानदार जानकारी के लिए बहुत-बहुत धन्यवाद !
Thank you hamare liye itna socha aapka ❤❤ ... Thank you for helping us with such tricky world of finance.
Great video Sir, I feel a liquid fund and overnight fund can be a great alternative to fd and savings account respectively.
Such a great explanation.. In 13 to 14 min you gave full idea about the fund.. 😊
I am watching your video from last year....all video's are excellent...all posts are having lot of information.. based on your opinion I have started two mutual funds from this year...both MFs are giving best returns....keep going on bro..
Hello Pranjal..
How can you forget the taxation and indexation benefits of liquid funds?
You could have suggested few best liquid funds in the video too.
Pranjal, youare doing great work. Thanks.
Thank you sir for this video. It cleary my view about liquid fund..
Great explanation! Very clear on the risks!
Very nice way to make people understand, keep doing the good work
Bahut achhe.. your explanations are simple and crisp.. keep it up !!
No wonder y this guys has 1.41 million subscribers. Man what an explanation i am sure going to invest
Best video about liquid fund on RUclips 👍👍👍
Sir excellent speech very very memorable videos upload tq very much
Sir. Plz make a video on "where to invest when market is down" or In this situation which stock is better for future
Sir i really appreciate you hard word and knowledge you always give us valuable knowledge which always help us.... Thank you thank you soooo much sir🙏🙏🙏🙏for giving us your valuable time and knowledge in free of cost
Thanks and welcome!
Thank you very much for the information provided in such a easy way.
It helped me alot to understand the concept of liquid fund.
Sir , very well explained .. Thanks for the video
Very well explained especially for a person who is nill in all this thing's.
This app is great IAM with this on regular investment with goals
Explanation is very easy to understand everyone...
Am new to your channel. My 1st video.
However, kudos on an excellent video!! Concise, to the point, very informative & unbiased info being provided!!
Thanks! And, keep up the good work!
This is what I am looking for. Excellent content
Glad it was helpful!
now i better understood about liquid funds.....thanks sirji
You are so motivating,
Every second of your video is worth a million.
Thank you 😀
Ek number brother..Great explanation..Doing great.. keep it up..
VERY INTERESTING VIDEO. CLEAR DETAIL INFORMATION ABOUT LIQUID FUND. GREAT THANKS.
Glad you liked it!
Thanks a lot Sir, very informative video.
Thank you Pranjal bhai . Learning something new on your every video. 🙂
Informative video got all my queries solved about liquid funds thankyou for the Initiative 🙌
Happy to help!
thank you...very clearly explained 👏👏...wish you our teacher😝
Thanks for your valuable information Sir
Useful information and Right time
I am your big fan of you Sir and also you are good Teacher
Once again thank you Sir 🙏🙏
Very good Explanation... thanks for sharing the knowledge
One thing u forget to mention. That there is expence ratio too which can nullify ur return if u exit in few months
*Thanks for explaining us in a simple way :)*
Really I think this guy is giving true picture
Bahot acchi tarah samjhaya bhai ne 👍👍👍👍👍👍👍
Good day Pranjal,
your videos are very informative.Thanking you for your efforts.
request you to do a video about tax implications on with withdrawals from Liquid funds.comparing with taxe out going with FD & MF
Wishing you safe day!.
You have explained very clearly. Thank you.
You are welcome!
masaallah sir aapki voice bohut piyari hai aur aap kafii ache se explain karte ho chijo ko
Thanks Pranjal very informative video
I downloaded it.. It looks very good app.. let me try.. Thank u for suggestion...
Thanks Mr. Kamra, for the simplest way of explaining about the LFs. I have a couple of questions if you could respond to:
1. Has the today's situation, in any form, affected the nature and the features of the Liquid Funds?
2. Does it matter if I invest in this fund myself or with the help of an investment company? If yes, how?
no reply since 2 years. nice
Thanks sir, very helpful guidance.
Good information Sir 👌👌; Setp by Step Bhatakne ki Liye Dhanybad
Too nice advice
Eye opener! Thank you:)
Never disappointed with your content sir hats off.
Great, very nicely explained, thank you sir.
Hey Pranjal..Can you please elaborate on Short term and Ultra Short term Debt funds?? Also which one should we consider for a short term duration - Ultra Short term, Short term or Liquid Debt funds??
You are great... Happy Teacher's Day
Sir you are great. You are explain each and everything nicely
Thank you, very wholesome and elaborate.
God bless u 🙏
Great video I found what I want
Thank you very much
You are welcome!
If pranjal sir not replied, any one give the answer of my doubt because this is helpful for every citizens in India in this lock down situation due to corona virus.
Thank you
Your knowledge shared is relevant till today
Thnx aton kamra sir to clear my doubts abt the both ...
Great work sir ..
Thank you so much bro for such informative videos 👌
BAHUT HELPFUL VIDEO CONTENT ! THANK YOU
please make a video on gold mutual funds. Ex: Kotak Gold Fund, Axis Gold fund.
Really hopeful..
Whenever I have some doubt about money and finance , he becomes my consultant everytime and that too for free .
Love Your Character Mr. Kamra ❤️
Thanks for this video. Great information.
Pls sir ,clear my doubts. And Thank you sir.....l like very much your knowledgeable videos sir.
Sir first of all thank you very much for sharing knowledge on stock market issues each and everything very clearly . Keep it up sir you are a nice inspiration for educating people on financial issues. Sir please tell best hybrid mutual fund for long term investment
U r superb dude....
All videos are really great. Please make few videos on all debt mutual funds and what's the best time to invest or exit from these funds.
Thanks sir... Great explained
phone pe platform me abhi liquid fund ka option aaya hai jo kesa rehega , please batayen?
I m investing through ETmoney in smart deposit account. In that through ICICI
Really nice explanation 😊
Thanks 🙏🏻
I appreciate your efforts
Hello Pranjalji, Thanks for this video. Great work. A few topics like taxation was missed which can be covered later - may be?
Also, you also could have covered 3-4 good Debt/Liquid funds apart from ICICI Prudential Liquid fund.
Please cover if possible in next video. Furthermore, also can be covered - Gilt funds, balanced funds etc. Thanks again.
Great job ❤❤❤
I can't describe how easily I am now able to understand financial concepts. A very big thank you.
I am eagerly waiting could you pls add some content on Shariah compliant mutual funds or share any good videos that we can refer for Shariah compliant mutual funds.
Thank you
thanks a lot sir.... get right information at right time....
Have a query about balanced fund: I see most of the balanced funds charges expense ratio more 1.5% or 2% (direct or regular plan), also came to know most of the PMS charges not more than 2% per annul. Can you share some details on this analogy for customer to decide on which one should for lump-sum investment for long term?
Fund name Expense ratio
ICICI Prudential Balanced Advantage Fund 1.72
DSP Dynamic Asset Allocation Fund - Regular Plan 2.28
IDFC Dynamic Equity Fund - Regular Plan 2.34
L&T Balanced Advantage Fund 2.43
HDFC Balanced Advantage Fund 1.62
This comparison is odd but considering safety with balanced fund vs PMS which can give very good returns over long term(minimizes risk) 10-15 years - and charges looks similar - so which one should be beneficial?
Nicely explained. Can you also share about the taxation in liquid funds?
Superb Sir! Thanks a lot! 🙏🙏🙏
Best knowledge tq sir 💯📖📚📝
What about the taxation part, sir?
Can you please do a video for Gilt Funds? I was having a look at the performance of the Top Gilt Mutual Funds & am amazed to see that they have done better than many of the Equity Mutual Funds and as they invest in Govt. Securities they are super safe! Can you explain how they work exactly? What I read is "they change on the basis of Interest Rate Changes: Higher Interest Rate -> Low NAV & Vice Versa. I did not completely understand why it happens and need info about it and if there is lock-in period.
Very good detailed analysis ...
Very nice video and very informative. Thank you