Credit risk defined: Credit risk is the Risk of defaults on the interest or principal (or both) on the bonds/securities held by the fund.
Mutual fund advisors are Licenced (valid certification from the National Institute of Securities Market (NISM)) professionals who are supposed to understand the nuances of investments.
What is the difference between a direct plan and regular plan in case of mutual fund investment? Which is better, especially if I am investing via SIP?
No, Debt Mutual Funds are not 100% safe. But then nothing is. your money in the bank is also not 100% safe
The primary drivers of stock markets are earnings growth. And earnings growth (EPS) is directly corelated to GDP growth.