liquid funds - a terrific alternative to your low-interest savings account

LIQUID FUNDSA Terriffic alternative to your low-interest savings account

What are Liquid Funds?

PENALTYANYTIME

WITHDRAWAL

GO

VT. OF INDIA

SECURITIES

A class of debt mutual funds that allow ANYTIME withdrawal

No penalty/load for exit from the scheme.

Invests in safe, short-term, debt instruments.

ATM cards available with some funds.

A class of debt mutual funds that allow ANYTIME withdrawal

No penalty/load for exit from the scheme.

Invests in safe, short-term, debt instruments.

ATM cards available with some funds.

Is your money idling away in a savings account?

Invest your surplus money in LIQUID FUNDS

#

Are they better than your Savings Account?

4.0% 4.0%

9.1%8.8% 9.0%

4.0%

2011-2012 2012-2013 2013-2014

GAIN

Rs.2,005

GAIN

Rs.4,500

Interest on savings bank (%) # Liquid Fund returns (%)

Annual returns between April-March

Returns annualized for 2013-2014, based on current returns

Actual returns between April 1 – Sep 30, 2013Source - RBI

Rs. 1,00,000 for a period of 6 months

Lower taxes when compared with taxes on bank interest.

Can generate income through dividend payouts.

Allows reinvesting the dividends as units and keeps your tax outgo low.

Create an emergency fund that you can withdraw anytime

Use it to temporarily park any large sums you receive

Save for short-term goals such as vacation or other obligations such as paying your insurance premium

Use it to systematically invest in to other mutual fund products

4 Smart Ways of using Liquid Funds

RE-INVESTDIVIDEND

TAX

Building your liquid kitty

REGULAR

EXPENSES

ONE-OFF EXPENSES

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With Liquid Funds

You gain

TWICETHE BANK SAVINGS

INTEREST

With Liquid Funds

You gain

TWICETHE BANK SAVINGS

INTEREST

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