If you stop SIPs to reduce number of funds, you need not withdraw existing investment
Debt funds give you indexation benefits if you hold them for more than three years, saving tax outflow
You can work out a rough post-tax return on debt funds and other debt instruments and see if the tax-free bond yields are good in comparison
I am retired and have an investible surplus of ₹50 lakh. Please suggest some debt funds to avoid tax. Also, how safe are these options: 1) National Housing Board tax-free bond series N6 (9.10% interest, maturity date 13 January 2034 and 6.10% effective interest, and similar products. 2) Karur Vysya Bank 11.95% 2029 taxable bond?