financial consultants in Delhi

But experts point out that though these funds are expected to do well, investors shouldn't overlook the risks associated with them. Like any other debt MF scheme, these stand to lose if the rates move up in the economy. Investors should also keep in mind that the default  is more if the fund manager is investing in bonds with lower rating. Alam asks investors to go for schemes with a good track record, and recommends SSI medium term fund, medium term opportunities fund and Birla Sunlife Medium Term Plan.

Investors should note that each of these schemes comes with exit load. For example, HDFC Medium Term Opportunities Fund charges 1 per cent  if units are sold before a year. Birlasunlife Medium Term Plan charges 2 per cent exit load if units are sold before completing a year, and 1 per cent exit load is charged for sale after 365 days but before 730 days.