Basics 1 min read31 Jul 2026
Build your emergency fund before your first stock
Six months of expenses in a liquid fund is the boring step that makes investing sustainable.
Markets fall. Jobs change. An emergency fund means you never have to sell good investments at bad prices.
Aim for 3–6 months of essential expenses in a savings account, sweep-in FD or liquid mutual fund. Automate a monthly transfer until you hit the target.
Once it's in place, your investing becomes long-term by default — which is exactly where most of the returns live.
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