Dont get mesmerized by outperformance of income funds
In the last one-month debt-income funds have seen exceptional returns which has tempted the investors to opt for them. In the last one month some of the income funds have offered more than 50 per cent of annualised returns.
The sharp fall in the yields of government securities in the last one month has led the higher returns of these schemes. The changes in the borrowing plan by government and RBI’s inflation forecast are the key reasons behind the fall in the G-sec yields.
The 10-year benchmark yield has fallen to 7.2 per cent in the beginning of April 2018 as against 7.7 per cent in March 2018. The inverse relation between the bond prices and the interest rates has aided the returns from the Debt-Income Funds. Therefore, the schemes which were bleeding till January 2018 have turned green in the last one month. The category has given almost ~22 per cent annualised returns in the past one month.
According to our data analysis, below mentioned schemes are the top performers among the category in the last one month.
![](data:image/png;base64,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)
Even if the returns seem to be attractive, investors should not get mesmerized by this. The higher returns are a result of the movement in the interest rates in the last one month. Investors who have invested recently may be witnessing good annualised returns, but these returns are expected to average out in coming days as the interest rates are poised to grow in the longer run. So instead of chasing higher returns, investors should stick to their investment objectives and follow the investment strategy which will be fruitful in the longer run.