FINguide Buddy

  Overnight Funds vs Liquid Funds: Which Is Better for Short-Term Money? There comes a time in every investor’s life when safety becomes more important than returns . A salaried person may face this while waiting for an EMI to get deducted. A business owner may experience it when cash remains idle between billing cycles. Even long-term investors park money temporarily before entering the market in stages. That’s where the discussion around overnight funds vs liquid funds begins. Both options have gained popularity as alternatives to fixed deposits for short-term needs. While they may look similar at first glance, the way they work — and who they are meant for — is quite different. Through this blog, Finguide Buddy aims to help you clearly understand these differences so you can make the right choice for your short-term financial planning. What Is an Overnight Fund? To understand an overnight fund, the most important thing is its very short investment period . O...

📌 Why choose a Combo of Gold & Silver instead of Pure Gold or Pure Silver Funds? Timing gold and silver perfectly is extremely difficult — every year one performs differently than the other.  So instead of trying to guess which metal will outperform, let your investment benefit from both. ✨ A Gold + Silver Combo Fund offers smarter diversification Because the Fund Manager actively adjusts the allocation between Gold ETFs and Silver ETFs based on: 🔹 Macroeconomic indicators 🔹 Technical trends 🔹 Fundamental analysis So your portfolio automatically gets higher exposure to the metal with better potential — without you having to track the markets. 💡 Bottom line: Rather than taking the risk of investing in only Gold or only Silver, choosing a Combo Fund helps balance risk and enhance return opportunities over time. 📍 Invest smart. Choose Gold + Silver Combo Fund. Let experts manage the allocation — and you enjoy stability + growth. 📞 Call: 9891645052 Let’s work together to bui...

  FAQs – Role of Finguide Buddy- Mutual Fund Distributor & Transaction Safety 1. What is the role of Finguide Buddy? Finguide Buddy acts as a Mutual Fund Distributor . Our role is limited to facilitating mutual fund transactions , assisting investors with onboarding, KYC, access to platforms, and providing scheme-related information. Finguide Buddy does not manage investments, does not control investor funds, and does not assure returns .  2. Does Finguide Buddy receive or hold my money? No. As per AMFI guidelines, a Mutual Fund Distributor must not receive or hold investor funds . All payments are made directly by the investor through authorized platforms , and not to Finguide Buddy.  3. How are mutual fund transactions processed? Mutual fund transactions are executed through recognized and regulated transaction platforms , including exchange-linked systems. Once the investor makes the payment, the amount is routed directly to the respective Asset Management Company ...

  Wealth creation is not about reacting — it’s about discipline, patience, and long-term financial planning. This image captures three powerful yet simple principles every mutual fund investor should remember while building long-term wealth. 👉 Don’t ask for the “best mutual fund.” There is no single best fund for everyone. The right mutual fund depends on your financial goals, investment horizon, risk profile, and asset allocation . Goal-based investing always works better than chasing past returns. 👉 Don’t listen to media hype. Daily market news, trending stocks, and short-term predictions can create unnecessary fear or excitement. Successful investing requires staying focused on long-term SIP investments , not reacting to noise. 👉 Don’t check Sensex daily. Markets move every day, but wealth is created over years. Frequent monitoring often leads to emotional decisions. Staying invested allows compounding in mutual funds to do its job. The real secret lies in one simple...

  NPS Exit & Withdrawal Rules 2025: PFRDA Removes 5-Year Lock-in, Eases Norms The Pension Fund Regulatory and Development Authority (PFRDA) has notified the PFRDA (Exits and Withdrawals under the National Pension System) (Amendment) Regulations, 2025 , introducing significant changes to exit and withdrawal norms for NPS subscribers. The amendments are aimed at enhancing flexibility, improving liquidity at exit, and addressing practical concerns faced by subscribers, particularly in the non-government sector. Extended Investment Tenure up to Age 85 As per the amended regulations, an NPS subscriber is now permitted to remain invested in the system up to the age of 85 years , unless an exit option is exercised earlier. This provision allows subscribers to continue wealth accumulation for a longer period based on individual retirement planning needs. Revised Normal Exit Conditions Normal exit under NPS is now permitted upon: Completion of 15 years of subscription , or A...

In a major relief to millions of Non-Resident Indian (NRI) investors, the Securities and Exchange Board of India (SEBI) has officially relaxed the requirement of being physically present in India during re-KYC. This long-awaited move aims to streamline re-KYC for NRIs who struggled with compliance due to geographical constraints. As per the December 10, 2025 circular issued by SEBI, amendments have been made to the existing KYC framework under the Master Circular dated October 12, 2023 , specifically to simplify re-KYC for existing NRI clients . 🔍 What Triggered This Change? SEBI noted that it received multiple references from stakeholders requesting easier KYC access for NRIs. Since a large number of NRI investors maintain mutual fund, demat, PMS, and trading accounts in India, the earlier requirement of geo-tagging them within India during KYC created operational hurdles. To address this, SEBI has now modified the KYC conditions , making digital updates far more convenient....

 “Successful investing is about managing risk, not avoiding it.” The right way to invest is not to stay away from risk, but to handle it with a smart approach. Assess your risk profile, diversify your investments, stay disciplined during market volatility, and focus on long-term goals — that’s how risk turns into growth.

 📉 Losses Hurt More Than They Look! In investing, recovering from a setback isn’t as simple as it seems —because every loss demands a disproportionately larger gain to get back to even. 🔸 A 20% loss needs a 25% gain to recover 🔸 A 50% loss needs a 100% gain to recover 🔸 A 90% loss needs a 900% gain to recover That’s why protecting your capital is just as important as growing it. Big gains are rare — big losses can destroy wealth. 💡 The smartest move? Avoid big losses! Stay disciplined. Stay diversified. Stay invested wisely.