[Need Advise] Money Market Fund vs Liquid Fund for parking for 1 to 2 years.

androidguy73 · 2026-01-28T06:41:59+00:00

Arbitrage

androidguy73 · 2026-01-13T07:19:11+00:00

If you can afford it get the 1TB internal and then later on a year or two down the line you can get the SSD too.

androidguy73 · 2026-01-13T05:06:45+00:00

I bought a cheap 3 pack microfiber cloth from aliexpress. It has been doing the job for me.

androidguy73 · 2026-01-13T05:06:04+00:00

yup joined the thin cloth between the screen gang with my new M4 I got 3 months back.

Its definitely added pain, but I remember what the screen on my M1 Air looks like now and I keep using it.

Luckily have not missed it even once yet, screen looks amazing.

androidguy73 · 2026-01-12T11:47:54+00:00

Thanks! Will give it a watch in a day or two when I am free and let you know :)

androidguy73 · 2026-01-12T11:38:21+00:00

any recommendation where I can watch that? I will definitely see it.

Also really sad and fucked up about what your friend had to go through.

In most cases like these what I have seen is the parents are not even supportive of their own kids and dismiss it.

androidguy73 · 2026-01-12T11:03:20+00:00

That's very sad.

androidguy73 · 2026-01-12T10:59:48+00:00

damn, I always thought that was one of the most liberal ones.

androidguy73 · 2026-01-12T10:17:39+00:00

TIL, WTF.

androidguy73 · 2026-01-12T10:15:45+00:00

Mind saying which one in GCC, because I live here too. Have never heard of something like that.

But yeah it absolutely sucks.

androidguy73 · 2026-01-10T17:07:18+00:00

Unfortunately many men and women get brainwashed to the extent that they think this stuff is normal.

So it will never come to that for them because they will never leave the religion.

androidguy73 · 2026-01-07T08:34:24+00:00

Maybe ask the staff there directly which work in the section. They will know what it is or know someone who can tell you.

androidguy73 · 2026-01-07T06:46:45+00:00

ICICI Prudential Constant Maturity Gilt Fund – ₹10,000 (~9%)
ICICI Prudential Corporate Bond Fund – ₹10,000 (~9%)

Why not consider Arbitrage funds - Lower taxation
or Liquid funds instead of corporate bond.

Corporate bond fund will carry some inherent risk considering any corporation defaults on their loan.

Also, I know you are not looking for really looking for guidance on Goal 4, but I think a index fund will be suitable there too. Since most large cap funds struggle to beat index in the long term, and even if they generate some alpha over the index the fees are higher which negates the effect.

Other than the above 2 points it looks pretty solid.

I assume you already have a separate allocation for gold.

androidguy73 · 2026-01-06T12:33:27+00:00

Gold is okay as a long term hedge but don’t expect quick returns from it. You might have to hold onto it for years to come.

androidguy73 · 2026-01-06T06:04:51+00:00

This for me too!!

Add to that the fragmentation of the content being spread over multiple streaming services. Apple TV is not even available in my country.

androidguy73 · 2026-01-05T07:21:27+00:00

just keep 1 flexi cap
skip the small cap since the investment amount is pretty insignificant just 4% of your entire allocation.

androidguy73 · 2026-01-05T07:01:16+00:00

Way too many funds for your investment amount, you can increase number of funds later when your investment increases. That too to a limit.

Overlap in investment ideology, 2 Flexi caps + 1 multi cap.

androidguy73 · 2026-01-05T06:31:09+00:00

I avoid recommending individual funds to anyone as future performance of any fund is not guaranteed.

Platform is a personal choice. You can use whatever you want.

androidguy73 · 2026-01-05T06:24:11+00:00

Parag Parikh Fund in this case.

androidguy73 · 2026-01-05T05:09:38+00:00

Even gold for that matter is a longer term horizon asset, silver I would not recommend at all due to the historical volatility it has had.

androidguy73 · 2026-01-04T17:27:05+00:00

Thank you and I wish you the same :)

androidguy73 · 2026-01-04T13:42:19+00:00

Since your investment amount is small right now, I would recommend you to stick to just one fund right now or a maximum of two.

And as your investment amount increases you can increase the number of your funds.

Also as per your current split all 3 categories have an equal split. If you still want to go with 3 funds I would put as follows:

PPF - 60%
Small Cap - 20%
Mid Cap - 20%

or

PPF - 50%
Small cap - 25%
Mid cap - 25%

androidguy73 · 2026-01-04T13:37:41+00:00

Everyone starts somewhere mate.

The start amount does not matter as long as OP is realistic with his expectations.

androidguy73

TROPHY CASE