Low-term investments belong to one of the 16 Mutual Fund class liability schemes. This fund invests between six to 12 months in debt and money market securities. Low-term funds are regarded as short-term investments that are highly suitable for investors who do not want a great deal of risk in their investment. Low-term funds are more mature than liquid and ultra-short-term funds. Risk-averse investors will invest for a short time in this scheme and earn better returns than that bank savings account. Generally, these funds have consistent and sustainable returns. These funds provide returns ranging from 6.5-8.5 per cent p.a. on average. The scheme's return and quality vary fund to fund, so we have shortlisted some of the best performing low-life funds to invest in 2019 – 2020 to invest in a decent fund.