Where to invest surplus amount when I already have a lot of Fixed Deposits ?

POSTED BY vaidup ON February 27, 2014 10:51 am COMMENTS (7)


I have surplus funds sitting in savings accounts. Where will it be best to put that into – an FD or debt or equity fund? I already have significant number of FDs. If I go for SIP route to invest in equity. It will take much longer to invest. Pls suggest how and where to invest this money? I fall into 30% tax bracket.


7 replies on this article “Where to invest surplus amount when I already have a lot of Fixed Deposits ?”

  1. vaidup says:

    Thank you all. Your suggestions are much appreciated.

  2. ashalanshu says:

    Dear Upender, you may park in liquid funds of same AMCs where you are investing in Eq. funds.



  3. Hemanth Chandra says:

    Check out for the liquid funds in the below link of valueresearch.


    You can invest in a liquid fund of an AMC where you have already have your investments in equity funds, so that in future if you wish to start an STP to equity funds, you can do it easily.


  4. jinesh shah says:

    Alternatively u can have Liquid and then STP at specific Triggers in to equity SIP which may give u good gain.

  5. vaidup says:

    Thanks! Any suggestions for a good Liquid fund.

  6. Hemanth Chandra says:

    You can park your surplus funds in Liquid Mutual Funds which has very high liquidity and returns almost similar to an FD.

  7. rahul123 says:

    Any time is good time. Nobody can time the market, SIP is good when one don’t have surplus cash.

Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.