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A debt mutual fund invests in a mix of debt investments such as T-Bills, Government Securities (G-Secs), Corporate Bonds and other money market instruments of varying maturities. Debt funds are less volatile and, hence, are less risky than equity funds. Debt mutual funds seek to provide investors capital preservation and regular income. There are various types and categories of debt funds available for catering to different time horizon as well as liquidity preference of investors.
(An open ended low duration debt scheme investing in instruments such that Macaulay duration of the portfolio is between 6 months and 18 months)
Risk: | Low to Moderate | |||
Saving Solution: | Low Duration | |||
Exit Load: | No |
Returns | 1 years | 3 Years | Since Inception |
---|---|---|---|
6.57% | 7.37% | 7.43% |
The objective of the scheme is to provide income which is consistent with a portfolio through investments in a basket of debt and money market instruments of short maturities with a view to provide reasonable returns.
(An open ended short term debt scheme investing in instruments such that the Macaulay duration of the portfolio is between 1-3 years)
Risk: | Moderate | |||
Saving Solution: | Short Duration Fund | |||
Exit Load: |
Yes
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Returns | 1 years | 3 Years | Since Inception |
---|---|---|---|
9.36% | 9.1% | 7.5% |
The investment objective of the Scheme is to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities.
(An open ended debt scheme predominantly investing in AA+ and above rated corporate bonds)
Risk: | Moderate | |||
Saving Solution: | Corporate Bond | |||
Exit Load: | No |
Returns | 1 years | 3 Years | Since Inception |
---|---|---|---|
9.1% | 9.73% | 9.33% |
The investment objective of the scheme is to generate optimal returns with high liquidity through active management of the portfolio by investing in High Quality Debt and Money Market Instruments.
(An open ended ultra-short term debt scheme investing in instruments such that Macaulay duration of the portfolio is between 3 months and 6 months)
Risk: | Low to Moderate | |||
Saving Solution: | Ultra Short Duration | |||
Exit Load: | No |
Returns | 1 years | 3 Years | Since Inception |
---|---|---|---|
6.22% | 7.23% | 7.71% |
The objective of the scheme is to provide the convenience of a savings account with the opportunity to earn higher post-tax returns by investing in debt and money market instruments.
At times, it becomes difficult for individual investors to assess the changing macro economic conditions in economy like interest rate movements or there could be some debt investments which may not be available to retail investors because of their high minimum investment requirement like government securities. Here is where debt funds can bring a big benefit. They are professionally managed by experts who could help align your debt investments as per the changing macro conditions. At the same time, debt funds also provide an opportunity to invest in various debt instruments which otherwise may not be available to individual investors. Debt funds also aim to provide higher post tax returns as compared to other traditional saving instruments.
Ideal for conservative investors, these funds are apt for investors with short term goals like buying a car, vacation planning etc. as they aim to provide better tax adjusted returns along with capital preservation. Debt funds could also help retirees in providing tax efficient regular cash flows via systematic withdrawal plans. Debt funds could also used for diversifying one’s portfolio to reduce the overall risk of investment portfolio. Investors looking to invest lumpsum amount in equities could also use Debt funds for transferring small amounts at regular intervals to equity funds via systematic transfer plan. This will help investor reap the benefit of rupee cost averaging.
A debt instrument is a legal obligation where the borrower agrees to repay the principal loan amount along with interest to the lender on a timely basis. Debt funds invest in a mix of such debt instruments of various kinds. Debt funds derive their returns mainly from two sources: first, the interest earned on their investments in various debt instruments and second in form of capital gains generated by trading i.e. buying and selling debt securities in the secondary market.