Sanjeeb Baruah
Debt instruments include debt MFs, FDs, NPS, PPF, and other small savings schemes.
Debt instruments balance risks and rewards in a portfolio, which is essential for making any realistic plan toward achieving goals.
Balancing debt instruments with other asset classes is critical to constructing a resilient retirement portfolio tailored to individual needs and risk tolerance.
Debt lends stability to the portfolio besides asset diversification.
Debt instruments help preserve wealth; post-retirement, people shift towards debt assets for guaranteed income and investment safety.
Investors should invest depending on their disposable income, risk appetite, and life stages.
Long-term debt funds might carry higher interest rates and credit risks than ultra-short-term debt funds.
Compiled By Himani Verma