u/Deepthii01

When it comes to debt allocation, how do you guys decide between FDs, corporate bonds, and debt mutual funds?
FDs feel the safest but returns are limited, mutual funds seem easier but less predictable, and direct bonds look interesting but slightly complex.

Do you stick to one or mix all three? Trying to figure out a practical approach here.

When it comes to debt allocation, how do you guys decide between FDs, corporate bonds, and debt mutual funds?
FDs feel the safest but returns are limited, mutual funds seem easier but less predictable, and direct bonds look interesting but slightly complex.

Do you stick to one or mix all three? Trying to figure out a practical approach here.