Hello Basu, Thanks for your blog. Keep it up. I want to invest in mutual fund at ₹15 k per month for next 12 years.For that as per your blog, I have done asset allocation in equity:debt ,in 70:30 ratio. For debt fund, can I use balanced fund as it contains minimum 35% debt fund, or should I strictly use ultrashort term debt fund ? Because balanced fund may give good return, or would you say it unsafe for 12 years horizon in debt fund ? Thanks.