The last couple of months have been tough for investors. For a lay investor who is typically a do-it-yourself investor, managing money has never been more confusing. They have been aghast that debt funds can give negative returns or not provide access to funds. In my sessions, I have been constantly asked if debt funds should be considered for investment. And should one invest in products, which give better returns than fixed deposits and are also guaranteed.
I have Rs 12 lakh in surplus. Should I prepay my home loan or invest for monthly income of Rs 25-30k?
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