Debt mutual fund with 22% return! Should you invest?

Legendary batter Sachin Tendulkar took two five-wicket hauls in his 460-odd one-day internationals, but could you bank on him as a legitimate, all-condition bowler for every match? Or was it more a case of lightning doesn't strike twi... urm, thrice?

Unfortunately, the same logic applies to a few of the debt funds delivering as much as 22 per cent returns at this point. You can't rely on them to sustain this performance.