I have been investing in mutual funds for 10 years now. The returns that I received over 10 years are more or less satisfactory, however, in the last 2 years, SIP amounts have reduced the overall portfolio returns. All this while, I have been focused mainly on Equity mutual funds with very little exposure to debt. In a way, I am thankful because I had less exposure when the entire IL&FS episode happened. Is it wise to add debt to my portfolio at this stage?