Emergency Fund Planning

AMFI-Registered Mutual Fund Distributor

Establishing Financial Safety Nets for Unforeseen Challenges

Life can present unexpected financial challenges—medical emergencies, job disruptions, urgent repairs, or sudden responsibilities. At PathFinders, our Emergency Fund Planning service is designed to help individuals and families build a financial safety net that protects long-term goals during times of uncertainty.

An emergency fund acts as the first line of defense, ensuring that unforeseen expenses do not derail investments, retirement plans, or family security.

Our Emergency Fund Planning Philosophy

We believe emergency preparedness is an essential foundation of sound financial planning. Before focusing on wealth creation, it is important to ensure liquidity and stability.

Our role is to help clients create a structured, accessible, and realistic emergency reserve aligned with their lifestyle and responsibilities.

Our Emergency Fund Planning Approach

1. Assessing Emergency Needs

We begin by understanding:

Monthly household expenses

Income stability and variability

Family responsibilities and dependents

2. Determining the Right Emergency Corpus

Based on individual circumstances, we help estimate:

The number of months of expenses to be covered

Additional buffers for healthcare or dependent needs

Adjustments for self-employed or variable income profiles

3. Structuring Accessible & Safe Reserves

Emergency funds must be easily accessible and stable.

We assist in identifying suitable avenues that:

Offer liquidity without penalties

Preserve capital value

Avoid exposure to excessive market risk

4. Integration with Overall Financial Planning

Emergency fund planning works best when aligned with other goals.

We ensure emergency reserves:

Complement investment strategies

Reduce reliance on debt during crises

Protect long-term wealth and retirement plans

5. Periodic Review & Maintenance

Life circumstances change, and so should emergency planning.

We provide:

Periodic review of emergency fund adequacy

Adjustments for changes in income, expenses, or family structure

Ongoing guidance to maintain readiness

Risk Factors – Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.

Pathfinders is a AMFI registered Mutual Fund Distributor with ARN-155462.
It is also registered as a sub broker to Prudent Corporate Advisory Services with AMFI ARN-9992. It is also IRDA registered insurance advisor.

Grievance Officer- contact@pathfindersfin.com