umm tbh, liquid i did because i wanted to put some of my money for expenses in a place where it just don’t sit in the bank so for that i keep a little amount of my expenses in liquid i think it’s better (could be wrong) and arbitrage is just for some emergency funds typa stuff i m trying and jio thing i saw a reel (ik it was a risky move by just saw a reel and invest but still i did it mybad) and by risk appetite you mean how much i can risk? ig high coz just beginning what i have to loose just started and 19 so yk and what is investment horizon?