What do you prfer for investment, debt or equity, small,mid or large cap , or liquid fund is best for you ?

this totally depend upon the level of investment and needs of the invester

I woulkd to go to debt.

I would  go for equity but it depends on person risk appetite. Debt is likely to be less risky in general. 

However,based  on my personal experience, equity  investment in small caps could reward investor higher if chosen carefully in term of capital gains. If you are interested in dividend for constant stream of income, then large caps are considered better option.

It is prescribed to have a diversified basket of securities. So one investment could not be an ideal choice for an investor. Much depends upon the risk perception, time frame, objectives and the investor's attitude towards investment. Additionally liquidity and return potential should be kept in mind. Equity investment small cap, large cap or mid cap should be made with a time frame of3 to5 years minimum. In addition one should have exposure to debt instruments. A thumb rule says your100 minus your age should go in equity and the rest in debt.

I would  go for equity but it depends on person risk appetite. Debt is likely to be less risky in general.

equity is best for issue in order to mitigate the interest on issue of bonds for fixed interest for a maturity period, once company goes  public issue never required to repay the capital of shareholder

Each asset class is imporatnt and every product will find space in portfolio because of its nature/returns. To answer this I'd say there is only one formula "ASSET ALLOCATION(dynamic in nature)" and asset allocation can not be done unless you are aware of client's risk profile/risk appetite/expectations. You will always find valuation gaps in small pockets of markets e.g. if Largecaps are overvalued increase exposure to mid/small and vice verwsa. Also on debt side, market condition is not suitable for Duration like Gsec/Gbonds(both long /Short Duration) , stick to accruals. To sum up as an advisor we need to understand wht client expects, wht is his risk appetite and most important wht opportunity market is offering you. Your answer is fucntion of these three variables.

Large cap equities has historically provided the best investment returns

I cannot offer personalized financial advice, as individual circumstances and risk tolerance play a crucial role. However, I can provide insights to guide your research:

However, I can provide some general insights:

• Asset allocation:
  • Age is one factor, but risk tolerance and investment goals are crucial.
  • Younger individuals might handle higher equity allocation (growth potential) due to a longer investment horizon.

• Investment options:
  • Debt (bonds) generally offers lower risk and return than equity (stocks).
  • Market capitalization (small, mid, large) affects risk and potential return. Small caps are riskier but offer higher growth prospects.
  • Sector-specific funds (oil & gas, banking) concentrate risk in a particular industry. Diversification is key: Don't put all your eggs in one basket. Consider a mix of small, mid, and large-cap stocks across various sectors (e.g., technology, healthcare).
  • Liquidity refers to how easily an investment can be bought or sold. Liquid funds are good for short-term goals, while long-term investments can focus on growth.

Consider Target date funds:

These utilize the takeoff, glide path, and landing approach:

• Glide Path Model: These funds automatically adjust asset allocation over time, becoming more conservative as the target date (e.g., retirement) approaches.
• Takeoff (Early years): Higher allocation towards equities for growth.
• Landing (Mid years): Gradual shift towards a balance of equities and bonds.
• Glide Path (Pre-retirement and beyond): Increased allocation towards bonds for capital preservation.

Consulting a financial advisor is recommended to create a personalized investment strategy based on your individual circumstances and risk tolerance. They can help you navigate factors like:

• Risk tolerance: How much fluctuation can you handle in your portfolio value?
• Investment goals: Are you saving for retirement, a down payment, or short-term needs?
• Time horizon: How long can you leave your investment untouched?