| Fund name | Reasoning | How to use |
|---|---|---|
| SBI Liquid | Large AUM size, reasonable expense ratio and better than category average returns across interest rate cycles. | Can be used to temporarily park funds or for STPs. Additionally, suitable for systematic withdrawal (SWP) to generate income. For SWPs, make sure withdrawal rate does not exceed 4-5% of the total value, if you want to avoid corpus draw down. |
