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Every successful journey begins with a destination and a map

We need to understand – what you want !

We take the steps to guide you along your financial journey. We organize and consolidate all of your personal and family financial information in one place through a sophisticated technology platform, and present it in a way that's easy to understand. Your plan starts with your dreams and aspirations and our dedicated services.

Risk comes from not knowing what you're doing.

Everyone wants to make money and we all want it quick. We go for investments which promise high returns. But we fail to analyze the associated higher rate of risk. Trying to hit a six on every ball with your hard-earned money is nothing short of gambling. This happens because we don't read fine prints of financial instruments and don't understand their investment objective. Our financial planning is vague and is done in a random fashion which leaves us susceptible to risk.

Lesson: Investing without knowing increases risk. However, instead of shying away from investing one should acquire knowledge to get it right.

How does it sound when your money works for you even when you are enjoying your holidays?

August is the month of festivals and long weekends. Many of us go for mini-vacations – either on some excursions or to meet our families. During such periods, often the money lies idle in the bank accounts. There are no options where the money can be parked to earn some returns.

Bank fixed deposits are available for a minimum period of 15 days if the amount is small. That means, the money remains idle in savings or current accounts. With most banks, the current accounts do not earn a single rupee and the interest on savings accounts is a low 4% p.a.

In such cases, mutual funds offer an incredible opportunity in form of liquid funds. It is possible to invest amounts as small as Rs. 10,000 and even for weekends. Many large companies use this facility offered by mutual funds to park money for weekends. The liquid funds are open-ended mutual funds and hence the transaction can be done on any business day. Let us say, there is a holiday on a particular Monday, making it a long 3-day weekend – Saturday, Sunday and Monday.

If you have surplus money in your bank account on Friday before these holidays, you can invest the same in a liquid fund and simultaneously file for redemption such that you get the money in your bank back on Monday. In case you do not need the money on Monday, you may continue to stay invested.

Mutual funds offer a great flexibility in terms of not declaring the investment period in advance. You may invest your money in a liquid fund without mentioning the date of redemption in advance. You may stay invested till the time you do not need the money.

As per the website of Value Research, a leading portal for mutual fund information, the liquid funds have delivered the following returns in the past:


Period Returns (p.a.)

Last week


Last month


Last 3 months


Last year


(Disclaimer: Past performance may or may not be sustained in future)

As you can see, the rates of return are around 7% p.a. However, you may also observe that the returns for the shorter periods are lower than the longer periods. This is not like a bank fixed deposits where they offer lower interest rates for shorter periods and higher for longer periods.

This has happened in case of liquid funds since in the last some time, the interest rates have come down. Liquid fund is a product that responds to the changes in interest rates in the market very fast. If the interest rates in the economy start going down, the liquid fund returns would get adjusted and if the rates start going up, the liquid fund returns would improve.

Let us do some Math with the above numbers. If you have a surplus of Rs. 5 lacs to be invested for a long weekend (3 days), how much do you earn?

Assumed rate of return Money earned


Rs. 277.81


Rs. 290.96


Rs. 302.47


Rs. 321.78

(The rates of return are taken from table 1)

If you do not need money, as we mentioned earlier and you keep the money in a liquid fund for 10 days, the earnings would be as under:

Assumed rate of return Money earned


Rs. 926.03


Rs. 969.86


Rs. 1,008.22


Rs. 1,072.60

(The rates of return are taken from table 1)

If in a year, you get four to five such opportunities, we are now talking about serious money.

Liquid funds also offer facilities to transact through SMS, increasing the convenience. In fact, just before writing this article, I invested some money in a liquid fund just by sending an SMS. The redemption from the fund account also happens through an SMS. All you need to do is to get a one time mandate registered.

So, what are you waiting for? Enjoy your holidays and let your money work for you. The earning would take care of part of the expenses.

What you should do:

  • Understand the objective of various financial instruments and asset classes.
  • Consult professional advisors to understand the investment pyramid & develop an investment strategy
  • Review regularly
  • Diversify.

When you have a right Financial Planner, life can be easier

The time to understand what’s truly important to you. Together, they will develop a holistic financial plan customized for your life and goals – to help you live more confidently today. And tomorrow. So when you are with Sudhindra Pai, rest assured and enjoy your life.

Life is complicated but we insist on making it simpler

Get lifetime free advice on top SIPs, Mutual Funds, Tax planning and other assets classes. Get the most of your hard earned money with online tracking of investments. So when you are with Sudhindra Pai, your life gets simpler.

Think long-term and be patient

"No matter how great the talent or efforts, some things just take time. You can't produce a baby in one month by getting nine women pregnant." - Warren Buffett.People make money by staying invested for the long-term and without changing portfolios frequently. Make a diversified portfolio based on your risk appetite and financial goals. Pick right financial instruments recommended by your financial advisor and invest regularly and persistently for the long term (8-10 years).