In a multi-fund portfolio, it is better to avoid hybrid funds and go with a direct allocation to debt. : In a multi-fund portfolio, it is better to avoid hybrid funds and go with a direct allocation to debt I plan to increase my investments by at least 15% every year. Please check if the fund selection is fine and has the required diversification for a long-term portfolio. I have been investing in mutual funds for quite some time based on the top-rated funds’ list available on various websites. It has given me good returns in the past.