Till now, I have largely been confined to mutual funds, on which I have been spending Rs 4,000 a month. This amount flows mostly to Fidelity Tax Advantage, but half of that amount I plan to redirect to Franklin India Taxshield. Also, I plan to increase my emergency fund to Rs 72,000 from Rs 25,000 by adding Rs 2,000 per month and contribute Rs 4,000 a month towards equity-linked savings schemes (ELSS). I intend to add a sum of Rs 2,000 a month to my savings.