What is the title you want to give your query? Ravinder Singh Brar, 19 Jun 2013

Whether Debt MFs/ Bonds r better n safe than Bank FDs ?

Fintotal Answer

Debt MFs are better than bonds and FDs in the sense that their returns can be higher. Portfolio of debt MFs is made of bonds, debentures and FDs that vary in tenure and return rate. As far as safety is concerned, bank deposits up to Rs 1 lakh are insured by RBI and banks have stringent norms of doing business than MFs. But you can trust the top MF AMCs to manage your money well. They would invest only in well rated debt securities. The top debt MFs have done well consistently for many years. Depending on your tax slab, debt MFs might be better than FDs from tax point of view.

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