Such schemes must invest at least 80% of their capital in the highest-rated corporate bonds, as per the mandate. Such schemes are considered safer because they invest primarily in the highest rated corporate bonds. These mutual funds invest in highest-rated corporate / company bonds. Suitable for investors who want to invest money for longer duration but prefer less risky assets compared to equity funds. Through investing in top-rated securities, these mutual funds are able to deliver high returns and also bear a relatively low level of risk.