Liquid funds are open-ended mutual fund schemes that invest in short-term instruments like commercial papers, certificates of deposit, and treasury bills. They provide higher returns than savings accounts while maintaining liquidity. For example, liquid funds have recently delivered over 8% returns compared to 4% for savings accounts. Investing in liquid funds through reputable fund houses provides safety as the funds are regulated by SEBI and invest in low-risk short-term instruments. Key features include no lock-in periods, no entry or exit loads, and daily transparency of net asset values and returns. Liquid funds are suitable for wealth accumulation rather than creation and have minimal interest rate risk.

1. NEETIKA GUPTA
MARKETING & BUSINESS MANAGER

2. TOPIC :
LIQUID FUND

3. LIQUID FUND
 These are open ended mutual fund schemes , which
invest in very short term commercial papers (CP) ,
Certificate of deposit (CD) , Treasury bills ( T- bills).
 They can be considered as an ALTERNATIVE to your
SAVING BANK a/c or short term FIXED DEPOSIT.
 OBJECTIVE : TO GENERATE HIGH RETURN
WITHOUT COMPROMISING ON THE LIQUIDITY OF
INVESTMENT.

4. PERFORMANCE OF LIQUID FUND
 Liquid fund delivering more than 8% returns to their
investors.
 In comparison SAVING A/C offers 4% returns and
CURRENT A/C offers no interest .
 With such a high return difference in liquid funds ,
they become far more beneficial to investors.

5. Is it safe to invest
 You invest in MF schemes which are under purview
of SEBI.
 There are renowned companies in the MF space like
HDFC BANK , ICICI BANK ,KOTAK , BIRLA , DSP
ETC .
 MONEY invested in short term instruments with low
interest risk.
 Transparency of NAV and RETURNS.

6. Salient features of liquid fund
 No negative impact on capital.
 No lock in period .
 No entry and exit load.
 Different products for different time horizon.
 Not for wealth creation but for wealth accumulation.
 Least interest rate risk.
 Transparency in returns and NAV .
 DIVERSIFICATION is there.
 PROFESSIONALS MANAGED PORFOLIOS.

7. HOW TO CHOOSE LIQUID FUND
 Returns from liquid fund don’t vary much .
 You need to see its
Fund size .
Track record .
Credit rating .

8. EXAMPLE
Invested in Amount Return Total interest Maturity amount
Saving a/c 1,00,000 4% 4000 1,04,000
Liquid fund 1,00,000 8% 8000 1,08,000
Amount is same, Tenure is same, but due some good returns
percentage , liquid fund perform better than any other investment.

9. COMPARISON

10. CHOICE IS YOURS.

12.  Liquid fund are for everybody not just for wealthy.
CONTACT US AT : 9149981317
Finance @uivconsultants.com