I am salaried and have EPF with my employee. I am able to save around 5500 every month. All this money is going into equity based MF like HDFC Top 200,Franklin India Bluechip, Quantum LT. I have seen in many portfolio suggestions recommendation for adding a Debt Fund. Is it required to have debt fund when there is EPF and considering effectively 24% of onvce salary is going into it by default?