I just need to check, if we already have invested in the in debt funds ( Short and Equity saving ) and want to park more money in the debt portfolio. What is right approach to put more in the same debt funds or invest in the different asset class like PPF to diversify it further ?
Currently my PPF investment are zero and I am completely into mix of debt and equity saving fund for my debt portfolio.
Also historically if you can tell from your experience are the debt fund particularly short and ultra short gives if not high at least same return as PPF .
Reason for asking this is because PPF have lock in of 15 years on the other hand debt fund are with 3 years lock-in….Though I don’t have any goal linked to PPF investment or debt fund, but it gives more comfortable feeling to keep investment not locked for long time…..