Our Mutual Fund recommendations depend on the purpose (goal) of your investments, risk profile, and time horizon (the duration you want to invest for). Our Goal Sense algorithm takes these inputs from you and recommends the Mutual Funds from that year's Niyo Money list accordingly. You can put these inputs and see the recommendations in the goal plan of each goal.
The general rule of thumb is to invest in equity Mutual Funds only if you are going to invest for the long term (5-7 years or more). If you are investing for a shorter period then you should invest only in debt Mutual Funds or a mix of both. Our Goal Sense algo recommends according to this.
To look for the recommended funds list for each year you can go to our blog and type the year.