To offset poor equity returns, advisers are asking savers to buy debt SIPs. Liquid and ultra-short-term funds are prescribed for those with short-term goals. Those with a longer investment horizon should look at long-duration or gilt funds.
“SIPs in debt mutual funds help you ride interest rate volatility and build long-term wealth. They are affordable as investors can start with small amounts,” said DP Singh, executive director, SBI Mutual Fund.