PPFAS Debt Mutual Fund
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Investment Objective
PPFAS Debt Mutual Fund seeks to provide investors with consistent income and capital safety over the short to medium term. These funds invest in fixed-income securities such as treasury bills, government securities, and other money market instruments. The fund manager will choose the debt securities based on the fund's underlying ratings and investment objective. Over the investment horizon, a debt fund investor would earn returns through interest income and a steady increase in the PPFAS Debt Mutual Fund scheme’s value. It must be noted that PPFAS Debt Mutual Fund performance does not guarantee that the investment objective will be met.
Risks Involved in PPFAS Debt Mutual Fund
Compared to equity funds, PPFAS Debt Mutual Fund risk ranges between low to moderately high. The fund's value may fluctuate in response to changes in the price of the underlying debt security. An increase or decrease in overall interest rates may cause the price of a debt security to fall or rise. The degree of risk is also affected by portfolio duration and average maturity. Longer-duration funds are more volatile in the market than short-duration debt funds. Similarly, low-rated debt funds will face greater market risk than high-rated debt funds. Before investing in a scheme, investors should consider their own risk tolerance.
Return Potential of PPFAS Debt Mutual Fund
Returns are a byproduct of the risk that an investor takes. The PPFAS Debt Mutual Fund returns beat standard fixed-income investment returns. Historically, these funds have been known to deliver 5-year average returns of roughly 7%-10%. The credit grade and duration of the debt funds impact the rate of return. Credit risk funds, for example, provide larger returns to compensate for the elevated risks. Due to the low risks involved, high-rated funds, such as Corporate Bond Funds, offer lower returns. Similarly, long-duration funds outperform short-duration funds, such as Gilt funds. PPFAS Debt Mutual Fund returns are not guaranteed, and performance may differ from one period to the next.
Who Should Invest in PPFAS Debt Mutual Fund?
PPFAS Debt Mutual Fund schemes are suitable for cautious investors looking for capital growth and regular income over a five-year period. These funds can help to stabilise an equity-oriented portfolio because they are more stable than equity funds. Liquid funds would be ideal for investors seeking high liquidity from their assets. The best PPFAS Debt Mutual Fund scheme’s dividend selection can supplement your total income. Debt funds may be the most tax-efficient investment option for long-term investors in higher tax bands.
Things To Consider Before Investing in PPFAS Debt Mutual Fund
The following things must be considered before making an investment in the PPFAS Debt Mutual Fund scheme.
- PPFAS Debt Mutual Fund NAV
- Expense Ratio
- Yield-to-Maturity
- Maturity and Duration
- Risks
Tax on PPFAS Debt Mutual Fund
Debt funds are mutual funds, with more than 65% of their portfolio in debt and no more than 35% in equity. The PPFAS debt mutual fund indexation benefit will end on April 1, 2023, and they will be considered to have made a short-term capital gain. As a result, your taxable income will now include the gains from debt funds and be taxed at the slab rate.
Long-term capital gains from debt funds were previously subject to a 20% tax with an indexation benefit.
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