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?
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Good to know that you have been a regular investor in mutual funds.
Adding debt to your portfolio depends on various factors like your age, future goals, current state of investments and overall financial planning. Generally, debt is added to a portfolio to bring more certainty in terms of returns. Also, for medium term goals, debt is considered safer than a pure equity portfolio.