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8 LOW-RISK Short Term Investments to Park Money during Uncertain Times

Shankar Nath 124 views

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NPS Tier-2 is spot on for safe and returns on par with FDs and doesn’t have a lock and the cherry on top the tax exemption in OTR Thank you sir💐
Comment from : @anantharaju6189

Thanks ❤❤❤
Comment from : @rachananayak8779

Unity bank has the best high interest paying savings account ie 6 upto 1 lac
Comment from : @ProGuardianXbox

Equity saving fund is best for Parking Money When you also know to track the market
Comment from : @Arun-stock-Trader

Awesome video
Comment from : @ashutoshlenka3715

Hello Shankar - this is a good video I was looking for parking funds for short term and was clear to not do the FD (due to tds complications at the year end - accrual basis tax) and at the same time was looking for something less risky - I felt out of all the options - for less than 1 year need, I will do arbitrage funds and for 1-3 years i will do equity savings funds they are both better at taxation and the risk is primarily very bearable
Comment from : @pawan2621

I used to park in Invits particularly during high interest rate environment, as their valuations are cheap at period and the funds can be deployed back into the market when there are rate cuts as market will rally because of more liquidity
Comment from : @abdulkhadir3401

Today I learnt about Equity savings fund as a mutual category Thank you for the video 👏👏
Comment from : @manish007142

T Bill is a better short term investment than FD
Comment from : @ishaheen916

Informative video NPS-Tier II was a suprise for me but thanks for the list I find FD's better or T-bill for short term parking of money
Comment from : @sahilgulati6995

I have parked some funds in saving account and some in balance advantage funds via sip What do you think about this ?
Comment from : @Amandeepsinghjaura10

Tbill lessthan 1yrbrconservative hybrid 1-2yrsbrLiquid - emergency moneybrbrFD liquidated, would lead to no interest loss
Comment from : @track0123456789

Thanks for the very informative video Shankar ji Can you please do a deep dive into doing STP the optimum way
Comment from : @raghav4608

Very relevant video! Very informative, well explained, great editing Love it Subscribed to your channel
Comment from : @RadhikaSharma-rj7bc

Thanks
Comment from : @gautamsarin

How the tax will be calculated can u give me some examples with amount pls
Comment from : @nitheeshps2532

can you make a video on how to buy corporate bond from secondary market and what to look for when buying
Comment from : @Akash-iu6ik

A Treasury fund is another good option to park for 3 to 6 months, predictable, secure and upfront return
Comment from : @anuragsrivastava730

Thanks a lot ! With your advice, I switched my MF to debt funds brbrPlease can you explain why people say we must never touch MF during uncertain times because we lose the compounding benefit
Comment from : @sagek7949

This is a serious channel Pl try to keep it that way
Comment from : @sohamsaha7812

Great video
Comment from : @nilanjanbiswas7104

@1:55 NHAI, PFC etc are not FD's but bonds
Comment from : @nikhilabhyankar8031

How STP works ? Automatically or you are asking to do it manually like withdraw from saving and put in pure equity ?
Comment from : @udyogimi

I was just thinking about options to keep emergency fund and randomly got this video suggestion
Comment from : @drsherlock3145

Another Great Video As Usual Shankar Sir! U really Provide Plethora of Info for retail Investors Like us😊❤🙏
Comment from : @snehilkamal1919

Hi Shankar, so are these funds averse of market highs and lows? I mean especially dynamic asset allocation funds can we enter into these with lumpsum at any point in the market or do we wait for a crash or something?
Comment from : @niksfloyd

quality content!
Comment from : @FifthArima

Great content But can you also do more of industry analysis
Comment from : @hsdrdeath055

Good to see sponsors reaching you! And again a great video Shankar!
Comment from : @mayanktiwari2498

BAF as short term fund is a big NO Even they were not spared in covid crash all BAFs fell between 16 to 34 For short term FD/Liquid/Money Market funds is more than enoughNo need to complicate by involving equity
Comment from : @sarvan55

Great video
Comment from : @win289

Excellent video❤
Comment from : @nabeelyahiya

Shankar sir , very nice video ❤ I am following you from et money and learn lot from you
Comment from : @nitingaoshinde7737

Thanks Shankar for educating us However I have few questions -br1 How does arbitrage funds behave in the bear market? Do they generate good positive /positive/ negetive returns ?br2 How does equity savings fund returns get impacted due to rate cuts?brbrAlso I suggest you to cover a topic in your upcoming video - Timing nifty market crash I understand timing is very difficult but this will relevant as feds will start cutting rates & yield curve invertion which suggest a recession is coming (based on historical data) Idea is to make an educated guess to reduce some part of equity holdings and keep this as opportunistic buy money You can also cover a strategy to deploy this money during bear phases based on historical drop and bear period time duration
Comment from : @suprobhosantra

Thanks for another useful presentation Shankar ❤
Comment from : @karthikeyanv463

PLEASE MAKE A VIDEO ON COMPARISON RISK REWARD RATIO comdifferent BAF/DAAFs
Comment from : @NarasimhaDev108

Sir regarding aster dm health care it is being punished so much by the market
Comment from : @dheerajbhagwan6098

Atleast 80 Lakh to 1 CR should be in FD in Tier 1 cities Maybe put a chunk of the interest in SIP of a Flexicap or just let it be The rest investments should start after you have that one safety FD
Comment from : @nakulchaudhry2783

A finfluencer recently suggested parking of lumpsum money in an active hybrid fund and do swp amounting to 05 of capital to invest in a growth fudin an equity fund This will ensue perpetual investment for generations Slightly off track question but interesting Please comment
Comment from : @rajeevroy4383

Perfect time, to the point
Comment from : @gunaraj6947

Sir what about ppf?
Comment from : @satvik6143

One thing not covered is gold etfs ( this vould have given good option but taxed differently but they are not better compared to fd in long term if you dont consider current bull run and well timed entry for gold) , This are the funds i explored except equity saving funds, i found arbitrage funds as good for long term vs fds post taxation,
Comment from : @Dushyantgiri

Great analysis… lage raho bhai Saab doing good job
Comment from : @vivekvardhan5689

Very useful video Thanks
Comment from : @jamalahmedaad

thank you Shankarji for this informative video I had started using Arbitrage fund for short term parking but did know much about Equity Savings MF It was very helpful brbrI have question, do you think debt oriented growth MF can be an alternative to Equity Savings MF for parking money and STP?
Comment from : @dewprakash

Does Shankar Nath speak tamil 😭
Comment from : @lionellawrence5798

Sir interest rate from bank fixed deposit is not covered under 80TTA, it covers only the savings bank interest
Comment from : @lokesh009garg

TAP invest and Altgraaf are very good parking place
Comment from : @SumitKumar-di3kw

Park your emergency money in baroda bank advantage home loan overdraft savings account
Comment from : @yashwani612

Pretty shocking P2P investment doesn't figure in this list😮
Comment from : @prabhasghosh

NPS tier 2 is rhe best if you can put in few hours of work once in 3months Best tax accretive option that can generate alpha over FDs and Bonds
Comment from : @sudheerk67

❤
Comment from : @DanielSamuel007

Respectfully disagree sir uncertain times are the best days to accumulate equity
Comment from : @yashagar4443

hope you watched parking movie, again awesome presentation :)
Comment from : @smart3883

Forever and always ❤ highly impressed
Comment from : @santoshkumarch4583

Thanks Shankar very helpful Can you do a video on taxation on profits among different assets classes and investments
Comment from : @sanjaykirushnan9601

Sir, i did not understand tax benefit of parking money in NPS II tier
Comment from : @pissey1234

Exactly the info that we needed right now!
Comment from : @vaibhavrana

Your videos always try to help in making decisions Thanks for your efforts
Comment from : @alokchauhan13

Thanks a lot Shankar vry clear and detailed iformation
Comment from : @eleswararaomylangam2806

Hi Shankar, many thanks for all the effort you're putting into these videos They are much appreciated
Comment from : @jammi25

Is there age limits for nps schemes? Can American citizen resident of India invest in NPS scheme?
Comment from : @JaiMataDi-j3d

This is a different question not related to short term, but What are your thoughts on investing in Mon100 ETF now that the overseas limit is stoppedbrbrThe fund will no longer create new units due to this Would this affect this in the long run? brbrI am confused whether I should be continuing doing SIP on this?
Comment from : @iFrozenSkull

What is Equity Savings Fund? Is it a type of Mutual Fund?
Comment from : @sumantbagade4903

Goldbees
Comment from : @chintan2025

Again, quite simple! Thanks sir //Hanu
Comment from : @hanumantrao3352

Shankar, You don't believe, past few months I repeatedly watched your debt fund videos especially experts take on debt, hybrid funds one Those videos helped me to take decision and start investing in those funds from April'24br I also parked some in high interest rate FDs and savings account brThanks for making this useful and helpful video
Comment from : @rsv1503

It would be extremely useful if you could plot these investment options on a similar chart you showed in the Debt section like time, risk, interest etc If you could add it to the comments or the description, it will be great
Comment from : @kamathsonline

This is one of the videos that I had been waiting for Thanks for such a lucid presentation 👌
Comment from : @ajayverma1155

Thanks Shankarnath sir for valuable information Looking forward for your news letters
Comment from : @vijayakumarrajuchamarthi2346

25-33 May Be In ITBEES OR IT BASED ETF
Comment from : @zalap1244

An apt video for the current situation
Comment from : @AzadShaik

Thanks for one more brainstorming informative and creative video ji
Comment from : @pkprprempavankumar8749

Need to know if Balance advantage fund is good for retirement SWP Also if not let me know which fund is suitable for 60 year old and whose 50 portfolio is in Equity stocks
Comment from : @madhurimadhuri3673

You are giving so many options Whats your personaly favourite?
Comment from : @CoolDeepSingh

Go for Balanced advantage funds and no need to wait for right time to enter market Fund will invest ur money in the best instrument at that time
Comment from : @punver79

Thanks Shankar Very informative If duration is 1 year plus, Gold plus Nifty50 ETFs in 50-50 proportion is also a good option But yes, it's volatile than any of the methods you described
Comment from : @dedhiapiyush