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Debt Mutual Funds are Mutual Fund schemes that promise you decent returns, capital protection, and regular interest income. If you are a conservative investor and are looking forward to investing in an avenue that helps secure your money and earn decent, regular returns, then debt funds are an excellent option for you. Debt-oriented Mutual Funds invest anywhere between 75-85% into debt. It is suited for those who are looking forward to playing safe with their regular income with decent capital protection, but at the same time looking for good growth to counter inflation in the long run.
Why choose Debt Funds?
Debt Funds are ideal for both, long-term and short-term perspectives. If you are looking for a short horizon of between 3 months to 1 year, you may opt for liquid funds. Conversely, short-term bond funds can also be considered for a tenure of up to 2 to 3 years. In the case of an intermediate horizon of between 3 to 5 years, dynamic bond funds would be ideal.
Some major categories of Debt Funds include:
1) Credit Opportunities Fund
2) Ultra-Short term and Short-term debt funds
3) Dynamic Bond Funds
4) Gilt-edged Funds
5) Income Funds
6) Floating Rate Funds
If you wish to start your investment in Debt funds, you may start investing with HDFC securities. As an experienced investor I can surely say they are the best in business.
Visit this link to start: https://www.hdfcsec.com/mutual-fund-investment-online