Risk is part of reward, and sometimes risk does not compensate too.
1) Look at the 5y return of the top fund. Its negative. So this 1y return is likely some kind of pricing issue, bond may have been marked as having no value and now it does or something like that.
2) Assuming you can trade, best way is to manage money yourself + pledge safe funds to get some extra.
3) I don't think taking too much risk in debt is worth it. Open ended credit risk funds have issues too, as people with know-how can take money out before a illiquid bond is marked down. Duration risk needs expertise, but maybe can be done. ICICI all seasons has done well for quite some time ( but no guarantee that it will in future). It makes no sense to me to risk capital on these small change stuff - if you can trade.
4) Banks have some sort of RBI guarantee till 5L i think. After that your money is at risk. Risky banks will give you more returns but with the risk of capital erosion if bank fails.
5) If you are not trading with this capital, then best and easiest thing to do is have a equity+debt portfolio with some target allocation that you are comfortable with ( say 60-40 ) and then hold it for long term (10y+). Equity should give around 10-15% pa compounded ( Again, no guarantee, but India is a growing country with room to grow). Don't sell equity if market crashes, instead buy more. You invest in batches if you dont feel comfortable, SIP type if needed. Fresh income can be invested with SIP.
1) Look at the 5y return of the top fund. Its negative. So this 1y return is likely some kind of pricing issue, bond may have been marked as having no value and now it does or something like that.
2) Assuming you can trade, best way is to manage money yourself + pledge safe funds to get some extra.
3) I don't think taking too much risk in debt is worth it. Open ended credit risk funds have issues too, as people with know-how can take money out before a illiquid bond is marked down. Duration risk needs expertise, but maybe can be done. ICICI all seasons has done well for quite some time ( but no guarantee that it will in future). It makes no sense to me to risk capital on these small change stuff - if you can trade.
4) Banks have some sort of RBI guarantee till 5L i think. After that your money is at risk. Risky banks will give you more returns but with the risk of capital erosion if bank fails.
5) If you are not trading with this capital, then best and easiest thing to do is have a equity+debt portfolio with some target allocation that you are comfortable with ( say 60-40 ) and then hold it for long term (10y+). Equity should give around 10-15% pa compounded ( Again, no guarantee, but India is a growing country with room to grow). Don't sell equity if market crashes, instead buy more. You invest in batches if you dont feel comfortable, SIP type if needed. Fresh income can be invested with SIP.