In my earlier post, I shared my Top 10 Best SIP Mutual Funds to invest in India in 2022. In this post, let me share my Top 10 Best Debt Mutual Funds to invest in India in 2022.
When it comes to investing in debt mutual funds, you have to keep one thing in mind about the purpose of investing in Debt Funds.
Ideally, as I have explained in my earlier post, we choose debt funds mainly to diversify our investments. Hence, when we are choosing the debt funds, the primary purpose is to reduce the risk which is already there in our equity portfolio rather than chasing the yield or returns from debt funds also.
When I choose a debt portfolio, my preference always is towards the suitability of traditional debt products like Bank FDs, RDs, PPF, EPF, or SSY. If I still have room to invest in debt, then I choose debt funds.
When I say suitability of traditional debt products, it means we have to look for taxation, liquidity, and maturity of the products based on our financial…