Not getting enough money out of your investment in mutual funds can be frustrating and frustrating, as this poses a major problem in your efforts to create wealth for yourself and your family, especially if you can not make big risky investments. Debt mutual funds are generally the preferred option for these conservative investors. Debt funds invest primarily in a mix of debt or fixed income securities such as treasury bills, government securities, corporate bonds, money market instruments and other such securities. , belonging to different horizons. In most cases, debt securities have a fixed maturity date and pay a fixed interest rate. So you have a basic idea of ??the return you are likely to get. In general, it is advisable to give any mutual fund at least three years to grow your money enough to meet your current needs and build a fund for your future.

If you choose to withdraw money from your fund earlier, it is likely that your returns will be below expectations and even negative in some cases.

But what about investors whose debt funds have poor performance? This puts them in a delicate position to decide if they should stay invested or leave the program.

Srikanth Meenakshi, co-founder and chief operating officer of FundsIndia.com, explained that if a debt fund performs well against peers in its class or if it does not meet the expectations of an investor's reasonable return, the placement period must not determine whether to go out or not.

"However, it is true that the three-year pass provides long-term tax benefits that can add value to after-tax returns," he told Zee Business Online.

When should you keep your investment in mutual funds?

Although you may be tempted to leave the plan, if the investment is about to end over three years, it would be wise to keep your funds. "If the investment is about to complete the 3 years or if the underperformance is marginal (and the investor does not need the money before the completion of the 3 years), the investor can hold on, "said Srikanth.

However, if you think that three years is far away, you can turn to other options. "Otherwise, privileging secure funds or deposits would be a more prudent option," he said.