Fixed income & safety
Where to park cash you cannot risk
The runway and emergency money that has to be there the moment you reach for it.
Where should I keep cash I might need in a year?
Somewhere safe and liquid, not somewhere clever. Money you may need within a year (runway, an emergency fund, a near term goal) should not be expos...
Are fixed deposits still worth it for a founder?
Yes, for the right job: safety and certainty, not growth. A fixed deposit gives a guaranteed return and easy access, which makes it a fine home for...
How many months of expenses should I keep as an emergency fund if I'm a founder?
As a founder your income is lumpy and your job security is basically nonexistent, so your personal emergency fund should be larger than the usual t...
Should I keep my personal emergency fund separate from company runway?
Yes, keep them in different accounts and think of them as different money. Company runway belongs to the company and its investors, and it should f...
What is a liquid fund, and is it a good place for money I might need next month?
A liquid fund is a type of debt mutual fund that holds very short term, high quality instruments, so its value moves little and you can usually red...
What happens to my savings if my bank fails?
In India, bank deposits are insured by the DICGC up to five lakh rupees per depositor per bank, covering your savings, current, and fixed deposits ...
Is a sweep-in FD a smart way to hold idle cash?
A sweep in FD links your savings account to an automatic fixed deposit: balance above a threshold you set sweeps into an FD earning FD rates, and i...
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