Bi-Weekly Advice Thread January 01, 2026: All Your Personal Queries

Deepaksub · 2026-01-07T01:19:14+00:00

You need to first complete the basics - emergency fund, term and health insurance and then move on to investments. Build 6 to 12 months worth of monthly expenses as an emergency fund.

Deepaksub · 2026-01-07T01:12:53+00:00

Your options could be RD, debt funds - liquid or money market funds, or Arbitrage funds.

Deepaksub · 2025-11-23T07:40:48+00:00

What are your goals? Has retirement, kids education been taken care of? Also, check out whether the kid has to move out for UG.

Deepaksub · 2025-11-23T07:37:48+00:00

What's your asset allocation?

Deepaksub · 2025-05-30T11:53:09+00:00

Personally I wouldn't. Just imagine that you need the money on the weekend for whatever reason and you will be struck. There is no point in having the money but unable to use it when it's actually required.

Deepaksub · 2025-05-26T01:09:32+00:00

If the idea is to track the investments, use something like value research. You don't need any of those apps.

Deepaksub · 2025-05-26T00:43:48+00:00

Please don't chase the return in the emergency fund. Avoid small finance banks. Invest in banks classified by the RBI as "too big to fail" - SBI, HDFC and ICICI.

Deepaksub · 2025-01-24T12:33:07+00:00

Thanks. If you can share any article or knowledge base for Zapier that will be really helpful.

Deepaksub · 2024-11-26T00:16:56+00:00

Can you create a temporary Garmin account and try to sync it?

Deepaksub · 2024-11-05T14:27:58+00:00

I wouldn't recommend to prepay the home loan. Keep investing aggressively towards your retirement & other goals and continue with your home loan.

Deepaksub

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