19/10/2026
Would you put money you need in six months into the stock market?
Most people say no, yet many end up doing exactly that without realising.
The mistake usually isn't picking a bad fund.
It's matching a good fund to the wrong time horizon.
Here's a simple way to think about it.
For a few days to a month, liquid or overnight funds.
For one to three months, ultra-short or money market funds.
For three months to a year, short duration debt.
For one to three years, corporate bond funds.
And for three years or more, equity mutual funds.
The shorter your goal, the less risk you can afford.
Markets can fall sharply in a year and take longer to recover.
Before you invest, ask one question: when do I need this money?
What's your next big goal, and how far away is it?
Mutual fund investments are subject to market risks.
Return ranges are illustrative, not guaranteed.
This is for education only and not investment advice.
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