Investors need to look at the portfolio before investing
Experts recommend credit opportunities funds for the medium- to long-term investor
Medium and long-term funds always face credit risk. If you can't stomach volatility, stick to FDs
Debt-fund managers have drastically cut allocation to G-secs over the past six months
As the rate cut cycle over for now, investors bet largely on funds for duration not exceed 3-4 yrs
The funds delivered high returns from 7.5% to as high as 18% last year
While their returns will continue to be better than fixed deposits, don't go overboard
With RBI choosing to pause, leading to a sharp spike in bond by 20 basis points, retail investors need to re-evaluate their debt fund strategy
Against returns of less than 7 per cent from equities, debt funds made as high as 12 per cent