I have been investing in equity mutual funds for the past ten years. I am 52 now. Is it a good time for me to move to debt avenues?
- Jai Bhagwan
Over the past ten years, since you have been investing; the stock market has witnessed a few cycles wherein investments would have gone up and down. That you have been invested through these cycles shows your discipline in investing. If your investment was to create a retirement corpus and live of it; you are right in thinking about moving your funds from equity to debt. This strategy is adopted to cushion the stock market volatility that can impact your retirement nest egg considerably if the markets swing downwards. However, if you are the sort who can still take some market risk; make amends to your existing fund portfolio with a mix of balanced funds and debt funds that will help you get the upside of equity and also offer income in retirement.
This article was originally published on December 22, 2010.
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