Which mutual fund can I use as a fixed deposit replacement?

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[@batta420]

I use short term debt fund for near term goals. It is a good replacement for 1 year or 2 year fds. First benefit is taxation if i dont need the money for 3 years. Second the spread between short term and long term debt funds is usually not that much to warrant the interest rate risk.

[@grabchandru]

Is ultra short debt fund a good choice?

[@pradeepm7481]

Where to look for average maturity period of any liquid fund?

[@siraj6282]

Nice explanation sir...which type of debt fund is more suitable to set up swp for monthly income?

[@dumpsterfire295]

How has conservative fund performed during drawdowns. Also would one invest by lumpsum in this fund ?

[@akroy9050]

Sir thanks for your clear elaboration .
I have one question regarding equity MF. Suppose I'm doing SIP in some MF and the accumulated sum is almost doubled or reasonable in 2 yrs after takong into consideration applicable exit load. Now should I switch that part of the money in liquid fund without stopping SIP in that equity. Because my point is after 30 -35% return the fund may not sustain that rate.

[@manumathur1323]

Pattu Sir, Do you suggest lumpsum investment in a good conservative hybrid fund or one should opt for sip ? Thanks.

[@pattufreefincal]

one can do both depending on needs

[@tigerkash1]

Pattu sir. Thank you for the video. Would you recommend ICICI medium term bond debt fund as a debt fund to park funds for 1-2 years.

[@pattufreefincal]

no

[@tigerkash1]

@@pattufreefincal OK. Thank you Pattu sir for your kind reply.

[@rahulnaiksatam4203]

ok so given that parag parikh fund has bonds of average of 6. yrs ...what should betheholding period to get best returns?...by the example givenby you ..it would beover 10 years. rite?

[@pattufreefincal]

at least yes

[@rahulnaiksatam4203]

@@pattufreefincal ok thanks.

[@gauravv1679]

Mr. Pattu, is it a correct assessment that a debt fund holding gilt or bonds from pre COVID era and with average maturity of 5-10 years as on today should have offer 7-8% return if we buy and sale after 5-10 years.
Infact are there any debt funds offering 7-8% return?

[@pattufreefincal]

no. debt fund returns like equity are cyclic

[@ravichandrankulandaivelu5896]

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