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Debt Funds

A debt fund is an investment pool, such as a mutual fund or exchange-traded fund, in which core holdings are fixed income investments. A debt fund may invest in short-term or long-term bonds, securitized products, money market instruments or floating rate debt.

What is Debt Funds?

A debt fund is an investment pool, such as a mutual fund or exchange-traded fund, in which core holdings are fixed income investments. A debt fund may invest in short-term or long-term bonds, securitized products, money market instruments or floating rate debt. The fee ratios on debt funds are lower, on average, than equity funds because the overall management costs are lower.

Why invest in Debt Funds?

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Safer than Equity

Investments in debt funds are not affected by volatility in the stock market. This reduces risk in your investment.

Stable Returns

The policy covers all kinds of accidents, whether major or minor, ranging from mishaps such as falling off a bicycle to getting hit by a car.

Taxation Benefit

The profit you make in the long term is taxed with an indexation benefit. You save on your taxes.

Flexibility

You can invest small amounts regularly through the SIP route. Whenever you have extra money, you can invest it in debt funds.

Types of Debt Funds:

GILT FUNDS

They invest their corpus in securities issued by the government. These funds carry zero default risk but are associated with interest rate risk. So, there could be a possibility that the debt funds lose some part of their net asset value (NAV) also. But these schemes are safer as they invest in papers backed by government.

INCOME FUNDS

They invest a major portion in various debt instruments such as bonds, corporate debentures and government securities.

MONTHLY INCOME PLANS (MIP)

It indicates that a part of the policyholder's body has been severed or dismembered. It means, if the policyholder loses his hand or leg or eyes in a mishap, then he would be eligible to get a claim under dismemberment.

SHORT TERM PLANS (STPS)

These funds are for those with an investment horizon of three to six months. These funds primarily invest in short term papers like Certificate of Deposits (CDs) and Commercial Papers (CPs). Some portion of the corpus is also invested in corporate.

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