Liquid Fund: The Smart Alternative to a Savings Account By Trisha Kesarwani

Liquid Fund: The Smart Alternative to a Savings Account

By Trisha Kesarwani

Are you tired of watching your Money snooze in a Savings Account?
Looking for a Way to make your Cash work harder—without the stress of Risk or locked-in Funds?
Let me introduce you to the Liquid Fund—your new best friend for Smart, Flexible, and Rewarding Savings.

What Is a Liquid Fund?

Imagine a Savings tool that gives you the best of both worlds:
✅ Safety like a Savings Account
✅ Higher Returns like an Investment
✅ Instant access whenever you need it

That’s exactly what a Liquid Fund offers!
A Systematic Investment Plan (S I P) in a Liquid Mutual Fund allows you to Invest regularly—Weekly, Fortnightly, or Monthly—into a Fund that puts your Money in Short-Term, High-Quality Debt Instruments. The result? Your Money Stays Safe, Grows faster, and is always within reach.

Why Choose a Liquid Fund Over a Savings Account?

1. Earn More, Worry Less

Savings Accounts today Pay a measly 3–4% Interest.
Liquid Funds? They’ve been known to deliver 5–7% or more!
Over time, that extra Return can add up to a big difference in your Savings.

2. Access Your Money—Fast!

Need Cash in a hurry?
With a Liquid Fund, you can redeem your Investment and have the Money in your Bank Account within 24 hours.
It’s almost as easy as using a Savings Account—but with better Returns!

3. Sleep Easy with Low Risk

Liquid Funds Invest in top-rated, Short-Term debt.
That means your Money is Safe and Sound, with minimal exposure to Market Ups and Downs.

4. Build Savings Habits Automatically

Set up a S I P and watch your Savings Grow —Automatically!
Regular Investments help you stay disciplined, and Compounding does the rest.

How Does a Liquid Fund Work? (It’s Easier Than You Think!)

Pick a Liquid Fund:
Choose a reputable Fund with a solid track record.
Set Up Your S I P:
Decide how much and how often you want to Invest—then Automate it.
Redeem Instantly:
Need Money? Redeem online and get Cash in your Account within a day.

Who Should Try a Liquid Fund?

Emergency Fund Builders:
Want your Emergency Fund to Earn more? A Liquid Fund is perfect.
Short-Term Savers:
Saving for a vacation, home project, or down Payment? Grow your Money Safely.
Disciplined Investors:
Prefer regular Saving without Market drama? Liquid Funds are your go-to.

Ready to Get Started?

Compare Liquid Funds:
Look for low fees and strong performance.
Choose a Platform:
Use a trusted Mutual Fund app or website.
Start Your S I P:
Set your amount and frequency—then relax and watch your Savings Grow

Example of a Top Liquid Fund:
Aditya Birla Sun Life Liquid Fund

Category: Liquid Fund
Risk: Low
3-Year CAGR: ~6.56% (as of June 2025)
Key Features: High liquidity, Invests in Short-Term Debt, suitable for Emergency Funds.

Other popular options include Axis Liquid Fund and ICICI Prudential Liquid Fund. Always check latest details before Investing.

Lastly-

A Liquid Fund is the Smart, Modern Way to Save.
It’s Safe, Flexible, and Rewards you with better Returns—making it a no-brainer alternative to the old-school Savings Account.
If you’re ready to make your Money work harder for you, give Liquid Funds a try.

Your future self will thank you!

Disclaimer:

Investments in Mutual Funds are subject to Market Risks. Please read all Scheme-Related Documents carefully before Investing. Past Performance is not indicative of future Returns. This Article is for informational purposes only.

Trisha Kesarwani
Fintech Specialist
Asiatic In Corp
Trisha.Asiatic@gmail.com
Asiatic.Trisha@gmail.com
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When Amazon Moves Warehouses, Vendors Pay the Price — Unintentionally but Heavily

Amazon's Fulfillment by Amazon (FBA) model has revolutionized e-commerce, enabling businesses of all sizes to store inventory in Amazon’s vast network of Fulfillment centers, letting the retail giant handle packing, shipping, and customer service. It sounds like a dream for vendors — and often, it is.

But behind this seemingly seamless system lies a hidden disruption: Warehouse transitions.

When Amazon decides to close or shift operations from one Fulfillment center (FC) to another, the change might appear internal and operational — but for vendors, the impact can be immediate, costly, and frustrating.

🚫 When the System Pauses, Business Suffers

Amazon’s Warehouse transition processes are not typically publicized or communicated in advance to all sellers. Vendors often find themselves in the dark, suddenly receiving error messages like:

"Inventory not accepted at this location"
"FC transfer pending"
"Restock limits adjusted"
"Inbound shipment delayed"

These red flags typically surface after vendors have already planned their deliveries or sent thousands of units. At that point, it’s too late to reroute or pause. The result?

✅ Inventory gets stranded mid-transit
✅ Deliveries are paused or rejected
✅ Listings go out of stock
✅ Product rankings and Buy Box eligibility drop
✅ Negative reviews roll in due to delayed shipments

What was supposed to be a simple handoff between two Warehouses becomes a vendor’s worst nightmare.

📉 Unintended Consequences for Small Businesses

It’s important to note that Amazon doesn't do this deliberately. Operational efficiency, space constraints, or regional planning may lead to Warehouse closures or relocations. But the lack of proactive communication is where vendors feel left behind.

Small and medium-sized businesses, in particular, depend heavily on predictable inventory movement. A 7-10 day gap can result in:

Loss of hard-earned rankings on Amazon search pages
Decreased customer trust
Revenue drops during key sales periods
Wasted advertising spend on out-of-stock products

When your best-selling product is unavailable for even a few days, the domino effect can take weeks (or months) to correct.

📦 A Real Vendor's Perspective

Let’s take a hypothetical example:

You’ve sent 800 units of your top-selling kitchen tool to Amazon’s FC in Bengaluru. You've run ads, stocked out previously due to demand, and finally restocked. Just when sales are expected to soar — you discover that the Warehouse has stopped accepting new inventory and is redirecting stock to a new FC.

Your units are stuck in limbo. You lose the Buy Box. Competitors take your place. Your inventory is sitting idle at Amazon — and you're powerless.

🔄 What Sellers Can Do to Stay Prepared

While we can’t prevent Amazon from making internal operational changes, vendors can take certain proactive steps:

Adopt a Hybrid Fulfillment Model
Use a mix of FBA and FBM (Fulfilled by Merchant) so that you always have a safety net if FBA stalls.
Work With a 3PL (Third-Party Logistics Provider)
Maintain backup inventory with a reliable 3PL who can ship orders directly or to another FC when needed.
Monitor Inventory Limits & Restock Suggestions
Use tools like RestockPro, SoStocked, or Helium10 to stay alert to changes in restock limits and trends.
Join Seller Forums & Communities
Stay updated with other sellers who might share early signals about transitions or shutdowns in specific regions.
Request FC Transfers Manually (if applicable)
In some cases, seller support may help reroute inventory or reassign Fulfillment centers.

🛠️ Amazon Needs a Better Vendor Transition Strategy

Amazon has always been known for its customer obsession — but the time has come to expand that same empathy toward its seller partners. Vendors form the backbone of Amazon’s global marketplace.

What can Amazon do better?

Provide early notifications about FC closures or changes
Allow temporary exceptions or fast-track solutions for affected vendors
Create a centralized dashboard showing real-time FC updates
Offer compensation or visibility support for revenue loss during transitions

🤝 A Better Future Depends on Mutual Transparency

The partnership between Amazon and its vendors is crucial for the marketplace's health. But when communication falters, trust is tested. No vendor wants to feel like collateral damage in a logistics decision they weren’t part of.

If Amazon wants its vendor ecosystem to thrive, it must recognize that behind every ASIN, there’s a small business — one that’s betting its time, money, and future on the FBA system.

📣 Have you experienced an FBA disruption due to a Warehouse transition? Share your story or tips below — let’s make our collective voice stronger.

#AmazonFBA #SellerStruggles #EcommerceVendors #WarehouseDisruption #AmazonTransition #InventoryIssues #SmallBusiness #MarketplaceChallenges #VendorVoices #SupplyChain

Shrishty Sharma

Manager HR/ Author

Asiatic International Corp

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SIP Terminology Made Simple A Beginner’s Guide to Smarter Investing

SIP Terminology Made Simple: A Beginner’s Guide to Smarter Investing

“SIP is not just an Investment plan—it’s a Smart habit for a better future.”

If you’ve started your journey into Mutual Fund Investing, you’ve probably come across the Term SIP, which stands for Systematic Investment Plan. But when you hear words like NAV, Units, or Expense Ratio, it can feel a bit confusing.

Don't worry! In this article, we’ll explain all the important SIP Terminologies in simple words. Whether you’re just starting or looking to understand SIP better, this guide will make it easier for you to Invest with confidence.

What is SIP?

A Systematic Investment Plan (SIP) is a method of Investing a Fixed Amount regularly (usually every Month) into a Mutual Fund. Think of it like setting up a Monthly auto-Payment to Invest your Money and grow it over time.

It’s easy, flexible, and perfect for building wealth in the long run—even if you start with just ₹500 a Month.

Common SIP Terms You Should Know

Here are the most important SIP-related Terms you’ll often come across in practice, explained in simple language:

1. NAV (Net Asset Value)

What it means: NAV is the Price of one Unit (share) of a Mutual Fund.
Why it's important: The number of Units you receive depends on this Price.
Example: If NAV is ₹25 and you Invest ₹5,000, you will get 200 Units.

2. Units

What it means: These are the shares of a Mutual Fund that you own.
How it works: When you Invest through SIP, your Money buys Units based on the NAV.

3. SIP Date

What it means: This is the Fixed Date every Month when the SIP amount is deducted from your Bank Account.
Pro Tip: Choose a date after your salary gets credited to avoid failed transactions.

4. Expense Ratio

What it means: This is a small percentage fee charged by the Mutual Fund Company to manage your Money.
Why it matters: A lower Expense Ratio means more of your Money stays Invested and Earns Returns.

SEO Keyword: SIP Expense Ratio explained

5. CAGR (Compound Annual Growth Rate)

What it means: CAGR shows how much your Investment has grown every Year on average.
Why it matters: It helps compare different Funds' performance.

6. Lock-in Period

What it means: This is the time period during which you cannot withdraw your Money.
Applies to: ELSS (tax-saving Mutual Funds), which have a 3-Year lock-in.

7. Exit Load

What it means: A small fee charged if you withdraw your Money before a certain period (usually 1 year).
Tip: Wait until the exit load period is over to avoid charges.

Other Helpful SIP Terms

Here are a few more Terms that Investors find useful:

Top-Up SIP: Allows you to increase your SIP amount regularly as your income grows.
SIP Pause: Lets you temporarily stop SIP Payments if you’re facing financial issues.
STP (Systematic Transfer Plan): Helps move Money from one Mutual Fund to another in parts.
SWP (Systematic Withdrawal Plan): Lets you take out a Fixed Amount from your Mutual Fund regularly—ideal during retirement.

Learn the Terms, Invest Smart

Understanding SIP-related Terms can help you feel more confident and make better Investment decisions. You don’t have to be a finance expert—just knowing these basics can go a long way.

So the next time someone talks about NAV, CAGR, or lock-in periods, you’ll know exactly what they mean!

“Small Investments made regularly with the right knowledge can turn into big wealth over time.”