We should always invest in both debt and equity funds. Only Investing in equity funds, is quite an aggressive option.Now which debt mutual fund or any other fund you should invest in depends on lots of factors. Its similar to buying apples. For example, one day you go and buy apples for Rs100/ kg . After a few days you go again but this time the price increase to Rs. 200/ Kg. So you might not buy them this time. Instead, you would buy any other fruit or an alternative. Similarly based on valuations in equity funds, you will have to keep changing funds from time to time.The portfolio composition of debt funds also keeps changing , so you could look into investing in accrual based debt mutual funds.

Pradhaan

i-plan-to-retire-by-60-i-am-currently-40-years-old-and-have-been-investing-in-equity-mutual-funds-for-the-last-4-years-through-sips-i-want-to-know-whether-i-should-invest-in-fixed-income-instruments-like-debt-mutual-funds-secondly-which-mutual-funds-are-recommended-for-long-term-for-equity-and-debt-to-build-a-good-amount-in-the-next-15-or-20-years

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