The Right Fund Mix for Your Portfolio
Equity and debt funds matched to your risk profile and horizon.
Not all equity funds are alike. Not all debt funds are safe. Singhal Consultancy Services matches you to the right categories based on scientific risk profiling and your investment horizon.
Asset Classes
Tailored risk-return profiles
Risk-Profiled
SEBI Regulated
₹24 L Cr+
Equity MF
40+
AMC Partners
7-12%
Historical Debt
SEBI
Regulated &
₹24 L Cr+
Equity MF AUM India
40+
AMC Partners
7-12%
Historical Debt Range
SEBI
Regulated & Transparent
Equity Fund Categories
Large-Cap Funds
ModerateIdeal horizon: 3-5 yrs+
Top 100 companies — Reliance, TCS, HDFC. Lower volatility, steady growth.
Mid-Cap Funds
Moderate-HighIdeal horizon: 7 yrs+
Companies ranked 101-250. Higher growth potential, more volatility than large-cap.
Flexi-Cap Funds
Moderate-HighIdeal horizon: 7-10 yrs+
Fund manager freely allocates across large/mid/small — dynamic and opportunistic.
Index Funds / ETFs
ModerateIdeal horizon: 5 yrs+
Passively track Nifty 50 or Sensex. Lowest expense ratio, no fund manager risk.
ELSS (Tax-Saving)
Moderate-HighIdeal horizon: 3 yrs min
80C deduction + equity exposure. 3-year lock-in makes them naturally long-term.
Thematic / Sectoral
HighIdeal horizon: 5-7 yrs+
IT, pharma, infra, ESG themes. High conviction bets — used sparingly in portfolios.
Debt Fund Categories
Liquid Funds
Very LowIdeal horizon: 1 day–3 months
Emergency corpus. Better than savings account. Redeemable in T+1 business day.
Ultra Short Duration
Very LowIdeal horizon: 3-6 months
Park short-term funds. More stable than equity, better yield than liquid funds.
Corporate Bond Funds
Low-ModerateIdeal horizon: 1-3 years
AAA-rated corporate bonds. Better yields than bank FDs with comparable safety.
Gilt Funds
Low (credit) / High (duration)Ideal horizon: 3-5 years
Government securities — zero credit risk. Sensitive to interest rate movements.
Balanced Advantage Funds
ModerateIdeal horizon: 3-5 years
Dynamically switch between equity and debt. Smooth the ride without sacrificing returns.
Our Asset Allocation Framework
A general guide — actual allocation is personalised after risk profiling.
Conservative
Equity: 20–30%
Debt: 70–80%
Balanced
Equity: 50–60%
Debt: 40–50%
Aggressive
Equity: 75–85%
Debt: 15–25%
Equity & Debt Fund FAQs
It depends on your horizon and risk tolerance. If you need the money in under 3 years, go debt. For 5+ years, equity delivers superior returns. We do a risk profiling exercise to find your ideal allocation.
Index funds simply replicate an index (like Nifty 50) with very low costs. Active funds have a fund manager trying to beat the index. Index funds win on cost; active funds can win on returns — but not always. We recommend a mix.
Debt funds have credit risk (issuer may default) and interest rate risk (NAV falls if rates rise). However, high-quality debt funds with short durations and AAA-rated portfolios are very low risk. Liquid funds are the safest category.
A Balanced Advantage Fund (BAF) dynamically moves between equity and debt based on market valuation. When markets are expensive, it holds more debt; when cheap, more equity. It smooths out volatility while participating in market growth.
The Right Equity-Debt Balance for Your Goals
Risk-profiled allocation, not guesswork. We match you to the right fund categories based on your investment horizon and risk tolerance.
Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.