How to manage my irregular/business income?

This lockdown seems to be going on forever with no respite in sight and we just have to find a way around it. We are all trying our best to make the most of this time, use this time to read more, catch up on movies, and learn a new skill. Some of us have started new side ventures and blogs.

As a part of this process, many of you have asked us how you should manage your irregular income as a freelancer/entrepreneur. Many business owners feel they do not have good control over their cash flow and it is difficult to plan for their own finances. This email is to help you understand how to manage your cash flows as a business owner.


This will always be important and becomes critical as a business owner. You must project your expenses and cash requirements for 6 months and have that much funds kept aside in liquid investments like Fixed Deposits or Liquid Mutual Funds.

As your income is erratic but your expenses are regular, the Emergency Fund comes as a great support and you can dig into it to pay your bills in those months where the income has been a bit slow. Always, ensure to refill your Emergency Fund to back to its original value during time or surplus cash.


Having separate accounts for your various needs will ensure a smooth flow of cash and you will know where exactly your money is going.

Bank account 1 – Business Account
Bank account 2 – Personal Account
Bank Account 3 – Investments Account

Bank Account 1 – All your business income and expenses must be taken care of from this bank account. This will also help you to file your financial statements and know the exact numbers for your business.

Bank Account 2 You must transfer an amount for your personal basic living expenses to your bank account 2. This is the account from where you will spend on your food, home rent, everyday conveyance, etc.

There are months when you do not have enough from your business to take care of your personal expenses and in such times your rainy-day friend – emergency fund comes to your rescue. Please note that the emergency fund is to be used for basic spends not for parties and shopping!!

Bank Account 3
 – This is the bank account from where you will INVEST. The months in which you make great revenues, you must transfer an amount from your Business Account to Personal Account to Investment Account and Invest that money for your future goals. These goals can be either personal or business.

Having a separate account from where you invest helps you to keep your money in an organized manner (all the extra funds will always be invested) and at the time of redemption, all the redeemed money will flow back to your Investment account. This will help you have control over your investments as well.Today when you have just started to invest, this all may seem like a lot of work, but you must understand that after a few years when you have made investments and business has grown, it will be very difficult to backtrack and put things in place and hence, the same should be done today!!

Use this time to understand how your money is flowing and put a process in place for it. We shall see you soon with more articles on the same.


How am I investing in current times – Akruti Agarwal

Hoping you all have looked at your investments and decided on your next course of action. I thought it is only fair that I share my investing journey with you at the end of these email series on ‘what should you do with your Investments’. I have listed what I have been doing about my investments for the past couple of weeks.
1. I started investing in 2011 with the guidance of my colleagues and newspaper articles. Even for me, this is the first Market Crash where my entire investment portfolio is down by 27%.
It is said that an average investor faces 3 recessions and 1 depression in his life span of 75 years. 
We all have to learn how to manage it and make the most of it.
2. This is the time where I can practically put to use everything that I have learnt and read about investments. I am trying my best to deal with the big notional loss in my portfolio, be ok about it and then do my asset allocation.
It is not easy but discussing my money decisions with my family helps me keep my emotions aside and make rational decisions about investing further.
3. Before Investing, let me tell you that I have my term & health insurance in place.  I have my Emergency Fund kept aside in a liquid mutual fund which I am not touching. I also had 2 short term goal funds – Travel Fund (though not a priority for the next 1 year, but untouched) and my father’s health fund (important right now, so untouched and safe)
4. How am I doing my Asset Allocation?
After ensuring my goals are secured, I set out to do my Asset Allocation.
As per my Risk Profile, I am a Balanced Profile, my Debt: Equity ratio is 50:50
As you can see from the above table, my Equity ratio is down to 36% and to rebalance my portfolio back to 50%, I have sold 14% of my total investments in Debt and started investing them in Equity in a staggered manner. Given that my Risk Profile is a Balanced Profile,  I am investing in the Equity market to the extent I am comfortable as per my risk profile and investing it in a staggered manner given the uncertainty in the market.   Also, I have been sticking to investing in Large Cap companies and good businesses rather than small-cap companies as I do not want to compound the risk exposure I have in equities. However, where you are an Aggressive Risk Profile, you could invest in small-cap & mid-cap Equity Mutual Funds to take advantage of the beaten-down markets.
‘Be greedy when the times are fearful and be fearful when the markets are greedy’
Maintaining my asset allocation is making it easier for me to invest comfortably in the markets right now without letting the emotions take the best of me.
Lots of courage to every investor out there. Keep your cool and think rationally before you make any decisions.

Should you sell your Existing Investments in Equity?

Hello fellow investors

In one place, where investors are planning to invest more money because there is a downfall in the market, there are some investors who are really worried and are asking us if they should sell their existing investments in Equity Mutual Funds/Equity stocks, book their losses and try to move on.

For the ones who are checking their portfolio every day and abusing their stars for investing in Equity, please read through.

Equity investing was always about ‘Long Term – Goals’ for more than 3 years.

Don’t forget the reasons for which you started investing in the first place.

Think Equity – Think Long Term 

Your Asset allocation and goal setting will always be the answer to all these questions.


How does it help to invest in Equity for a long duration?

The way to manage market risk in Equity is by investing for a long period of time.

Historical data from the Sensex proves that if you stay invested in Equity for a longer period your probability of loss reduces. Analysis of BSE Sensex data for the past 29 years shows that the probability of loss diminishes as the investment tenure exceeds 5 years. Data shows that investment for a period of 1-year duration on the first trading day between 1990 and 2018 created a loss probability of 25%. The probability of loss goes down further to 4.55% when the investment tenure goes up to 7 years. The benefits of long term investing are clearly visible as the investment tenure grows beyond 10 years and above.

(this graph & numbers above have been taken from business today article- )

In the above graph, you can see that as your number of years of investing in equity increases, your probability of loss reduces.

Having said this, one must always check the quality of shares and mutual funds that they have invested in to ensure that they do not fall under the exceptional cases of this analysis.

Further, note that the analysis presented here is based on historical data, so it is not a true predictor of future outcomes. However, we can gather from this analysis that even with the lack of ability to forecast the future, by investing with a long term horizon, an investor is able to better withstand the detrimental effects of volatility, market downturn and bouts of recession, and achieve a positive ROI.

Hence, if you are planning to sell only because you are worried about what is happening with the markets right now, you should look at your goals & asset allocation and decide accordingly.

Don’t try to be speculative right now with the market; just stick to the core values of your investing, do Asset Allocation and long-term investment planning.



Should You Invest More In Equity Right Now?

Hello Investors


We believe that our first email in this chain would have given you direction on how you should go about investing in current times.

Some of you were asking us if they should invest more money in Equity right now?  Is this the Big Sale we were all waiting for and should we start investing? Will the market fall more so should we wait or invest now?

No one can tell you with certainty whether we have reached hit rock-bottom. Every time one is thinking it cannot go further down, the markets are reaching another lower circuit.

‘You can never predict what is going to happen with the markets as that is not in our control. What is in our control is how we react to the market and take actions accordingly.’

You must keep a note of the below mentioned before you start investing all your money into Equity:

1.Always have an Emergency Fund (at least 4 times your monthly expenses) invested in risk-free investment options.

I cannot emphasize enough on how important it is to have that emergency fund in place, especially in times like these. I do not intend to scare you but I am sure everyone is an expert in their fields and are aware of how the near future looks like. Hence, even before you start investing ensure that your emergency fund is enough to help you sail through the worst-case scenarios in the coming months.

Keep some surplus money with you before you go all investing in Equity right now.


2.Have your Health Insurance and Life insurance in place.

With the current pandemic situation, it important to prioritize our life and health. You must have these insurances to ensure your family has something to fall back on. Also, where there is no security about the future, it is not the smartest decision to just rely on your company’s health insurance. It is advisable to have one for yourself and your family members. You can read more about it on our blog.


3.Do not forget the goals and reasons for whichyoustarted Investing in the first place.

Remember our entire discussion from the workshop on how to Invest.


For short term goals – less than 3 years – Invest in Debt (Risk-free Investment options)

For long term goals – more than 3 years and beyond – Invest proportionately in Debt and Equity based on your Asset Allocation.

Debt Investments acts as a cushion when the Equity markets are volatile.

Note: Once your long term goal (more than 3 years) becomes a short term goal (you reach closer to that goal), redeemed/ sell off the equity investments and shift the same to secured debt investments so that any change in the equity market while attaining your long-term goal does not impact your investments.

Now do your Asset Allocation that shall determine how much money you should invest in Debt & Equity in the current market scenarios. Your asset allocation will help you invest based on your risk profile and sleep peacefully even where the markets are being volatile.

First-time investors should also invest based on their Asset Allocation and not invest 100% in Equity.

Remember that it is not the stock that determines your exact return from portfolio but your asset allocation which determines over 90% of the return.

This is probably a good time to open your goal- working sheets (shared during the workshop) and review your portfolio.




How Should You Invest Right Now

Tough times call for tough decisions! Well for us, it is about utilizing our time at home as much as possible and evaluating the action plan what to do now! With COVID 19, the world financial markets are also giving investors quite a scare. While we are all sitting at home and doing our bit to avoid the spread of COVID 19, we at Wealth Cafe decided to share more information on what you as an investor could do to manage your money better.

‘Investing is not about avoiding the risk but managing the risk to make maximum returns possible’

 Investing Rule 101 – High Risk = High Returns & Low Risk = Low Returns

Never forget the Rule of Investing.

Only after you have understood and digested this fundamental Rule of Investing that you should read further.

How should you Invest?

– Know your Risk Profile (How much risk can you bear)

– Invest in financial products that match your risk appetite by doing Asset Allocation

How to do Asset Allocation?

– We have attached the asset allocation table based on your Risk profile to help you understand how much you should be investing in debt & equity. Further, we believe that you all remember the Risk profile Questionnaire you took in the Workshop.

– A simpler method is to use your age to determine your asset allocation. If you are in the age bracket of 25- 35 years, invest 30% in Debt and 70% (100 – 30) in Equity. The rationale here is that the younger you are the more risk you can take as you would have a longer investment horizon and have a higher risk-taking appetite. While this appears to be a simple method, this is a crude method and risk profiling is the best way to arrive at your personal risk profile.


What Next?

Once you have determined your investments into Debt: Equity-based your Risk profile. Ensure that you maintain your Asset Allocation Ratio.


For Example:

This is how you begin your investing journey.

Now, given the current volatile markets, if after a month, Equity falls further down (which we are not sure of!), you must do Asset Allocation again.

This action of checking your investments and selling/buying as per your asset allocation is known as re-balancing your portfolio.

How often should you re-allocate/re-balance your portfolio?

You must re-balance your portfolio where your asset allocation varies by more than 5% from the desired Asset Allocation ratio.

How does this help?

By sticking to this rule-based allocation, all sentiment-based investments can be kept aside and you end up buying equities when they are cheap and selling them when they are expensive.



Gold Monetisation Scheme

Thought that the gold you own is only to wear in high-end weddings and is of no use to you. It is definitely considered as one of the best forms of Emergency Funds but beyond that what. How about we tell you that there is a way to earn interest in a safe way on your gold via Gold Monetisation Scheme. This scheme helps you to monetize the gold that you have and earn interest on the same.

The Gold Monetisation Scheme allows you to earn interest on the gold you own. It also saves the storage cost for gold. To gain benefit from the scheme, you need to deposit gold in any physical form, jewelry, coins or bars. This gold will then earn interest based on its weight. You get back your gold in the equivalent of 995 fineness gold or Indian rupees, as you desire (this option is to be exercised at the time of deposit).

Eligibility –  Restricted for sale to resident Indian entities, including individuals, HUFs (Hindu
undivided families), trusts, universities, charitable institutions

Tenure –  One to three years (short term); Five to seven years (medium-term); 12–15 years (Long term)

Interest: Both principal and interest to be paid to the depositors of gold are ‘valued’ in gold. For example, if a customer deposits 100 gm of gold and gets one percent interest, then, on maturity, he has a credit of 101 gm. The interest rate is decided by the banks concerned.

Minimum Deposit – 30 gram (any form bullion or jewelry)

Interest & Taxation – Interest paid in gold terms. Fully tax-exempt, no capital gains

Remember that since the gold that you deposit will be melted, you won’t get back the gold in the same form as you had deposited.

How to Open an Account – You need to first go to a collection and purity-testing center to ascertain the purity of your gold. You can deposit your gold if it clears the criterion set for gold content. You will be provided with a certificate of purity and gold content. You will need to present the certificate to the bank where you want to open the account.

Redemption – you can take back gold or cash at redemption but the preference must be stated at the time of deposit.

Wealth Cafe Actionable – In the scheme, you give your gold to the bank which is then melted so if its jewelry ensure that you won’t get it back. Also, it is bank-specific so be sure to go to a good bank for this scheme to be sure of getting your returns and money/gold back.


Investing in Gold Online – Digital Gold

In today’s time when we can do every other transaction online then why not invest in Gold. Almost all the wallets and payment portals let you invest in 1 gram 99.99% finesse gold.

What is Digital Gold:

Digital Gold is relatively new in the market. It is a simple way to buy and sell gold instantly. With physical gold one has to save enough, go to the store and buy the same. In physical gold, you either buy it as jewelry or coins. Digital Gold as the name suggests can be bought online in digital form online. The same is in your online account. You will have to sell the same to buy gold jewelry, coins or get cash in return.

How to buy Digital Gold

You can get digital gold via any of the following portals:

  1. GooglePay
  2. Paytm
  3. Phone Pe
  4. HDFC Securities
  5. Motilal Oswal Securities
  6. Stock Holding Corporations of India

Where is your Gold kept?

You gold is stored in vaults of MMTC-PAMP tagged in your name. MMTC – PAMP is a joint venture between Switzerland based bullion brand, PAMP SA, and MMTC Ltd, a Government of India Undertaking.


  1. A customer using either of the two platforms can buy 24 Karat / 999 fineness gold.
  2. Some of these portals allow you to buy gold with a minimum value of INR ONE.
  3. You can buy & sell gold anytime even on public holidays and weekends.
  4. There is a limit of tenure up to which you can invest in digital gold after that you can either convert it to jewelry or cash.
  5. It is important to keep your account with these portals active – Paytm has a time period of 6 months. Without any transactions for 6 months your account is inactive.
  6. Non-cancellation – Once you have placed a transaction (buy or sell) on these platforms, you cannot cancel the same.

What to do with digital gold

You can use your digital gold to buy gold jewelry with partner jewelers of the portals you are using to buy digital gold, sell and get cash on prevailing rates or get gold coins in return.

However, the price at which a customer can sell the digital gold back to Paytm is slightly less than the price at which he can buy the gold, says Hegde. This is due to various transaction-related costs including taxes, bank charges for processing your payment, technology costs and hedging costs since the market prices may fluctuate between a customer placing an order and MMTC-PAMP buying the gold. Similar costs are involved while selling of gold by MMTC-PAMP, too, when a customer sells gold on the Paytm. The same must be rechecked with other portals as well.

It is important that you check the costs that you have to bear when you sell your digital gold for cash or the making charges for coins and any other charges that may be applicable.

Is digital gold safe?

There has been some debate around it being a safe investment option or what guarantee does an investor have?  One of the biggest risks of investing in digital gold is that it is not regulated yet. All these platforms – Paytm, Phone Pe, Google pay and others act as a platform or payment portals to help you buy gold which is safely kept with MMTC PAMP, it is not with these portals. Hence, it is very important to know where and how you are investing because if tomorrow any of these portals, you as an investor should have a redressal system in place to go to or approach MMTC PAMP directly. There are some grey areas on this right now. The convenience of investing in gold through these portals comes at a cost and you must be aware of the same.

Wealth Cafe actionable – Digital gold is a very interesting new addition to the world of investing in gold and it allows you to invest in smaller proportions in gold. However, there are more regulated means of investing in gold where the risk is relatively less.  



Sovereign Gold Bonds

Global gold prices have risen 20% in the last one year and are reaching a new high of approximately 39,000 INR.

Gold, typically, flourishes as a safe haven in times of uncertainty, where people are unsure of the movements in the Equity /Debt Markets. India is not immune to these conditions. “A number of global issues have surfaced such as the Iran conflict and trade wars, and gold serves as a store of value in such situations. With investor interest rising in the yellow metal, we tell you about some of the options available for investing.

Instead of going for physical gold investments, there are other ways of investing in gold like the Sovereign Gold Bonds, Golds Exchange Traded Funds (ETFs), Gold Monetisation Scheme, Indian Gold Coins, and Mutual Funds.

With the intent to provide gold-like returns, along with some interest, the government has launched the Sovereign GoldBond Scheme. Sovereign Gold Bonds (SGBs) were
introduced in tranches. The first tranche was offered in November 2015. In the financial year 2019-20, four tranches of SGBs will be issued every month from June 2019 to September 2019.

Price of SGB – The price of the Gold Bond is linked to Gold Prices. If the gold prices go up, then your bond value will increase and if not, then another way around. Gold Bonds are issued in multiples of 1 gram of gold. You can hold these bonds in paper physical form. The risks and costs of storage are eliminated. The risks and costs of storage are eliminated.SGBs bonds are free from issues like making charges and purity. These bonds are held in the Demat form, eliminating the risk of loss of scrip.

Interest Payments – Given that these are bonds i.e paper form of gold investments, an interest of 2.5% is paid semi-annually on the initial amount of investment. This Interest is taxable.

Eligibility – Restricted for sale to resident Indian entities, including individuals, HUFs (Hindu undivided families), trusts, universities, charitable institutions.

Investment Amount – Investors are required to buy a minimum of one gm of gold. The maximum limit that can be subscribed is four KG of gold for an individual in a financial year.

Tenure – The bond is of eight-year with an option to exit after the fifth year onwards. However, gold bonds can be transferred to the stock market.

Taxation – Capital gain tax arising on the redemption of SGB to an individual has been exempted. The indexation benefit will be provided to LTCG arising to any person on the transfer of bonds.

Where & How to Buy – Gold bonds can be bought through banks, post offices and the Stock Holding Corporation of India. They are available both in Demat and paper forms. Know-your-customer (KYC) norms are the same as those for the purchase of physical gold.

The main objective of the Sovereign Gold Bond Scheme is to reduce the demand for gold in the physical form by encouraging people to buy it in the paper form. The rate of interest for 2019–20 is fixed at 2.50 percent per year, payable on a halfyearly basis.

Wealth Cafe Actionable – Gold Bonds are a great form of Investments for individuals who want to make long term ‘Investment’ in gold for a period of more than 5 years and do not want to go through the hassle of purity, safety, and other risks.


Public Provident Fund (PPF) – Things to note

Public provident fund (PPF) is a tax-free investment product that comes with a tenure of 15 years. You need to make the periodic investment to PPF every year and the minimum you can invest is ₹500 going up to ₹1.5 lakh a year. You can choose to invest a lump sum amount in the year or invest a sum every month. You can hold a PPF account in your name or even open one in the name of a minor but together the contributions can’t exceed ₹1.5 lakh.

PPF’s returns are pegged to the average government securities (G-secs) yield and are declared every quarter. Currently, it offers a rate of 8% per annum.

You can maximize your return by investing early in the year as then your money will earn interest for the entire year.

Being a tax-free product, the contributions up to ₹1.5 lakh qualify for a tax deduction under Section 80C of the Income Tax Act. A deduction reduces your overall tax liability.

PPF accounts can be opened in banks or post offices, but you need to be a resident Indian.

Things to Note (lesser known facts of PPF)

1. Opening PPF accounts in joint names: Everybody knows that opening PPF accounts in joint names is not allowed. However, parents are allowed to open a PPF account on behalf of a minor child. In case both parents are not alive or a living parent is incapable of acting, then a court-appointed guardian is eligible to open an account on behalf of a minor. But while parents are allowed to open accounts on behalf of minors, both parents can’t open two separate accounts on behalf of the same minor. When the minor attains majority, then they will be treated as the account holder of PPF and not the legal guardian.

2. A PPF account cannot be attached: The money in the PPF account is yours and nobody can take it away. Yes, a PPF account cannot be attached by a person or entity to pay off any debt or liability. This is the gold standard of safety of an asset. Do remember our homes, if taken on a mortgage, can be taken away if we fail to pay the EMIs. But in case of PPF money, even a court order or decree cannot make a person liable to pay off her/his debts using the money from her/his PPF account. This is great protection for millions of PPF account holders. There is one caveat though — the Income Tax authority is free to attach and recover the dues of an account holder.

3. Nomination of nominees: PPF allows you to nominate more than one person. You can nominate one or more nominees to your PPF account if you so wish. The nomination is not allowed to an account opened on behalf of minors. You can change or cancel the nomination at any point of time during the PPF account period, but do note that you cannot nominate a trust to your PPF account. But being the nominee does not mean you will be allowed to continue the account. All the nominee gets is the right of ownership in terms of an authority to collect the money on the death of the subscriber and retain the money as a trustee for the benefit of the persons who are entitled to it under the law.

4. Misunderstanding about lock-in period:  As per the PPF scheme rules, the date of calculation of maturity is taken from the end of the financial year in which the deposit was made. So, it does not matter in which month or date the account was opened. If your first contribution was made on June 1, 2018. The lock-in period of 15 years will be calculated from March 31, 2019, and the year of maturity, in this case, will be April 1, 2034. Do remember this technicality if you are counting on your PPF account maturity sum for an important time-sensitive financial event, like retirement or buying a house or repaying an important loan.

5. Discontinuation of PPF account: Some investors often forget their PPF account. Lack of minimum deposit can lead to discontinuation. If your PPF account is discontinued, you will still get the amount along with interest, but only at maturity. Such a discontinued account will earn interest every year till maturity is reached on the balance available for each year. Even withdrawal or loan facility is not allowed on such a discontinued account. If you want to avail loan or withdrawal facility, you will have to continue the account by paying the prescribed penalty and minimum subscription for the discontinued period. These rules tell you that you should do everything in your power not to let your PPF account become a discontinue done. Keep a note of the account and invest the minimum amount every year.

Wealth Cafe tip – If you do not have an Employee provident fund or not using your EPF for retirement goals and are looking to invest for long term goals like retirement, PPF is a great option. It gives tax savings, security, and good interest rates.



Overnight Funds – What, When and Why to Invest in them

Overnight Funds are the least risky mutual funds. They are less risky than the Liquid Mutual Funds as well.

This is a type of debt fund with practically no interest rate fluctuation risk and credit rating risk and low credit default risk. Overnight Funds are like investing in your savings bank account with slightly higher returns. This money can be part of your emergency fund or just money that you want to keep aside for a while for whatever reason without worrying about gains.

What is an overnight Mutual Fund work?

It is a debt mutual fund that invests in bonds that mature in one day! So at the start of each business day, the entire AUM would be in cash, overnight bonds would be purchased, they will mature the next business day, the fund manager would take the cash and buy more overnight bonds and so on. So each the NAV increase just a little bit due to the interest income.

Interest Rate Risk – If a bond matures the next business day, its price will not be affected if RBI changes the (overnight) interest rate. Next day, your bonds mature and you will buy new overnight bonds at the new rate.

Credit Rating Risk – If the credit rating of the bond issuer changes, the bond price will not be affected as your bond will mature the next day.

Default Risk –  There is a risk only if the issuer of the bond absconds with your money or refuses to pay up: credit default risk.  To manage this risk, there is collateral from the bond issuer. However, not fully covered, it still offers some protection for this risk.

In what product do these funds invest in?

Overnight funds invest in debt instruments with one day to maturity. When the bonds mature, the fund reinvests the proceeds in the next set of one-day instruments. The risk from default or fall in value within a day is negligible. Typically, the funds invest in collateralized borrowing and lending agreements (CBLO), a short term borrowing facility backed by securities of the central government through which mutual funds lend to banks and others, and reverse repos. Both of these are protected from credit risk since they are backed by collateral securities. The schemes may also invest in money market instruments such as treasury bills, certificates of deposit and commercial papers with residual maturity of not more than a day. If the interest rate for the day is high, the returns from overnight funds are up and vice-versa, with no impact on the value of the securities.

Who should choose overnight funds?

Anyone who wants to park money with the least amount of risk without worrying about returns.

A business owner who has a current account and thus, does not earn any interest on the cash lying in his/her account can invest in overnight funds to make some gains on their working capital.

Liquid Funds or Overnight Funds

Liquid funds holding securities with the highest credit quality will still earn better returns than overnight funds given that they hold securities with 25-30 days to maturity, while overnight funds cater to the need for a liquid investment with negligible risk for investors looking to park their funds for very short periods of time (a day maybe). 

Many liquid funds allow investors to withdraw up to 50,000 instantly, and offers useful online features, looking for a steady short-term ride or parking funds for your emergency needs – liquid funds are still preferable.

However, recently SEBI has announced certain changes where they have said there will be an exit load associated with liquid funds. However, the exact % and the impact of it is not yet announced. Once that is there, the investor will have to take an overall call based on the returns and the cost of investment.

Wealth Cafe Actionable – If you can manage a little risk, invest in overnight funds every Friday and withdraw the same on Monday earning gains over the weekend.


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