Debt funds for Long-term

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Harleen asked 10 years ago

Hi Srikanth, Could you please suggest few debt mutual funds that can give decent returns in 8-10 years? Thanks, Harleen

4 Answers

Sreekanth Staff answered 10 years ago

Dear Harleen, For long-term, you may consider Dynamic Bond funds. Read: https://www.relakhs.com/debt-funds-types-benefits-risk-vs-return/ https://www.relakhs.com/best-debt-mutual-funds-india-top-debt-funds/

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Sreekanth Staff answered 10 years ago

Hi, If you can afford to take more risk, yes why not, you can consider Hybrid debt funds too like MIP fund. https://www.relakhs.com/best-monthly-income-plans-india-mutual-funds/ (Above answer is in reply to your question posted as PVT)

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Harleen answered 10 years ago

Should I invest in ICICI prudential regular income fund (Direct, growth) which generate 8-10% returns, low risk? OR MIP debt fund where returns around 8-10% and high risk?

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Sreekanth Staff answered 10 years ago

Hi, Kindly note that the returns on both these funds are not guaranteed. An MIP fund can have slightly higher allocation to Shares (Equity) when compared to a pure Debt-oriented funds. I believe that ICICI Reg income fund is also a hybrid (debt oriented) fund similar to MIP only. As it is a conservative scheme, the fund may invest 0 to 5% in Equities. So, in MIPs itself, you can find conservative or aggressive funds. In aggressive funds, the equity allocation can be up to 15%.