If you are investing with the thought of accumulating a huge amount of wealth from the debt funds, then you need to reconsider your investment ideas. \rDebt funds are primarily used for generating regular incomes, which are higher than the savings deposit or a bank FD’s income. But these are not for the accumulation of wealth like in equity-based schemes. \rDebt funds are referred to as fixed-income instruments, which means you will earn a regular income from the interest paid by the issuing firm.