Hybrid is for beginners.

Before considering any investment, it always helps to have a reason for the investment in mind and subsequently a timeframe. Also, always consider your own risk appetite.

Long term goals would typically have a window of five years or more, so Equity based investment is worth considering. But if you’re completely risk averse, a bond fund would make sense versus your investing to build an emergency corpus, which would make debt funds the obvious choice.

However, if you are investing for your long-term goals those that are at least five years away, definitely consider equity.

If you’re investing with plans of buying something at the end of the investment, do consider a  balanced fund, with a 65:35 equity to debt allocation, with the debt portion cushioning from market fluctuations.

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*Mutual fund investments are subject to market risks, read all scheme related documents carefully.