Retirement Plan and Debt Funds .A person who start a career in between 25 to 27 age he/she should start small amount of SIP the amount would be any thing but main thing is investment must start. After 20 to 25 year the amount is huge. This is power compounding it will benefit after Retirement.
Debt fund is fund where customer invest in government securities like CP,CD Commercial paper its depend upon maturity of the Paper.
Debt fund is most secure category where any investor or corporate invest huge amount depending return and investment horizon.