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The Prepare Layer
Liquid. Untouched. Ready when life moves. The buffer between life's inevitabilities and your long-term portfolio.
What it is
Markets fall. Jobs end. Hospital bills arrive. Businesses cycle. These are not surprises. What turns them into crises is the absence of a buffer.
The Emergency Reserve is liquid capital held outside your long-term equity portfolio, sized to cover several months of living expenses, and structured to be available when life requires it.
Without a Reserve, every shock can force you to redeem equity at the worst possible time. With one, your investment plan stays intact and compounding gets the uninterrupted time it needs.
The Inverika View
The Emergency Reserve is the only reason most disciplined investors stay disciplined.
Build Your ReserveHow big it should be
The more variable your monthly income, the larger the Reserve needs to be.
If you are salaried
A salary delivers predictable cash flow. If the job stops, six months is enough runway to find the next one without disturbing your investments or your standard of living.
If you own a business or are self-employed
Income is lumpier. Receivables get delayed, contracts cycle, and slowdowns last longer than expected. Twelve months gives the right margin for that unpredictability.
Monthly expenses means everything: EMIs, school fees, household running costs, insurance premiums, and family obligations. The Reserve must fund the real life you live, not a hypothetical lean version.
Where it lives
A common mistake is to keep the Reserve in a savings account or a fixed deposit. Both miss the point for different reasons.
The right home is usually a carefully selected mix of liquid and low-duration mutual funds, structured for speed, clarity, and discipline.
Convenient, but they barely keep pace with inflation. Over time, that quietly erodes purchasing power on a corpus that could work harder without taking real risk.
They lock capital, attach exit penalties, and tax interest at the slab rate. That weakens both objectives: liquidity and post-tax efficiency.
These are the right home for the Reserve: typically more efficient than idle cash, redeemable quickly, and structured for accessibility rather than return chasing.
What it does
Most people only see the defensive value. The second role matters just as much.
Job One
A medical event, job loss, parental support need, or business slowdown should not force you to sell mutual funds at a bad price. The Reserve takes the hit so compounding can continue uninterrupted.
Job Two
Severe corrections arrive in every long investing cycle. A well-built Reserve gives you deployable capital at exactly the moment most investors are panic-selling.
How we build it
Most emergency funds exist as a half-considered number in someone's bank account. The Inverika Reserve is built with rules.
The discipline
Build the Reserve first. Then let your long-term portfolio do its job without interruption.
Disclaimer: Mutual Fund investments, including liquid and low-duration funds, are subject to market risks. They are not bank deposits and are not guaranteed. Please read all scheme-related documents carefully before investing. Past performance is not indicative of future returns.
We'll calculate your Reserve target, structure the build phase, and align it with your long-term investment plan so both can move in parallel.
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