Debt Funds vs Equity Funds: Difference + Best Choice

Mutual fund choose karte waqt sabse bada confusion—Debt ya Equity?

Chaliye simple language me samajhte hain.

1. Equity Fund

Stocks me invest

High return (12–18%)

High risk

Long-term 5–10 years ke liye best

2. Debt Fund

Bonds, government securities

Low return (6–9%)

Low risk

Short-term (1–3 years) ke liye best

Kaun Kisko Choose Kare?

Equity Fund Best For

✔ Young age (20–45)

✔ Long-term goals

✔ Wealth creation

Debt Fund Best For

✔ Safe investors

✔ Retired or near-retirement

✔ Emergency parking

Best Strategy (Perfect Mix)

60% Equity + 40% Debt Fund

Risk bhi kam + return bhi strong