How to get fixed income right for your retirement?

Summary: I invest in large-, mid-, small- and flexi-cap funds through SIPs. I have also invested about 2 per cent in gold and silver ETFs for diversification. For my retirement goal (more than 10 years away), I want to add fixed-income instruments such as debt, arbitrage or hybrid funds for further diversification. Should I choose pure debt funds, arbitrage funds, hybrid funds or a mix of these, considering my long-term investment horizon – Saumesh Kumar For many mutual fund investors focused on long-term wealth creation, equity funds are the natural choice. While they can be volatile in the short term, staying invested has paid off well over time. However, when investing for retirement, the objective shifts from growth to stability. That raises an obvious question: Which fixed-income options best serve a retirement portfolio? In this context, we examine whether our reader should turn to hybrid funds, arbitrage funds or debt funds to build a more balanced and reliable retirement corpus. Why hybrid funds don’t make the cut Hybrid funds try to provide the best of both worlds: the equity part provides growth,

This article was originally published on March 18, 2026.