8 is here after 8 years . First time in history, RBI hiked Interest Rates when CPI is below repo rates. This shows that RBI will keep interest rate higher for a longer period than we expect. Inflation is very sticky so it makes RBI's (SKD and team) job tough.Rates will move up and remain high for next 2 years. It's a great opportunity to grab as rates (Above inflation) are 2% so we believe one should focus on fixed Income funds.

 Take aways from an Investment point of view:
Fixed income/debt funds look very attractive to park your money (Short Term) as well as for Investments. Rate card for you with Time horizon.
 

Fund Name

 

Returns

Horizon

Liquid Funds

6% +

7days to 6 months

Low Duration funds

7% +

For 6 Months +

Short term Bond

8.50 % +

For 2 to 5 Yrs.

Equity Savings fund

10% +

3 to 5 Yrs.

Balanced Advantage fund

10% to 12%

5 Yrs. +

    Invest /park your money for good rates. It will give you peace of mind as there's no locking period and no volatality.