In general, investing entirely in debt makes sense for only a small subset of customers. We recommend having a small equity portion for tax efficiency and to help outpace inflation. We can park your entire corpus in debt if your goal is to have a steady and safe cash flow with super low risk. This might be a reasonable goal for retired/retiring people. If you’re reasonably familiar with investing, you could also become a Capitalmind Premium subscriber and invest in debt funds on your own with our suggestions. It will work cheaper this way if your corpus is greater than 50 lakhs.