How can I get better than FD returns from mutual funds

I am a regular visitor to your site and find the information regarding MF incisive. I want to invest around 5 lacs in MF for a period of about 3 years. First priority is capital protection and second returns beating FD returns. can you please suggest some debt funds?

Apr 13, 2017 by Narendra Mahajan, Ichalkaranji | Mutual Fund

Thanks for the kind words about Advisorkhoj website.

Since your investment horizon is 3 years and you are looking for capital safety, you can invest in long term debt funds/income plans. These funds can deliver better than FD returns and are tax efficient too!

However, your priority of capital protection cannot be fulfilled if you are investing in mutual funds. In mutual funds neither the capital protection is ensured nor the returns. However income funds are amongst the least riskiest and good alternative to fixed deposits.

Please check this tool to see why the debt funds are better than fixed deposits https://www.advisorkhoj.com/mutual-funds-research/fixed-deposit-vs-debt-funds

Please also check the top performing debt funds from here https://www.advisorkhoj.com/mutual-funds... As you can see in the link, some of the top performing income funds are - UTI Dynamic Bond fund, ICICI Prudential Dynamic Bond fund and IDFC Dynamic Bond fund. You may choose any one of these and invest!

Hope the above helps! Thanks for writing to Advisorkhoj!!

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