Investment Budget These are down payments on residential properties in Noida which might be as low as 10–20% of the property value.Stocks and mutual funds can begin at around ₹5000 or even less, according to the size of your portfolio. Emergency Fund: Make sure you have an emergency fund. This fund should be at least 3–6 months of your living expenses and thus give you protection from unexpected emergencies. Debt Repayment: Before starting with the investment process, take care of debts like those with high interest rates such as credit cards or personal loans. This in turn leads to more money to be saved or invested, as debt gets lower and lower.