₹1.8 crore, retiring in 2 years. Exit equity?

I'm 58 and plan to retire in two years. My mutual fund portfolio is now around 1.8 crore. Everyone tells me to keep doing SIPs, but I'm scared. If markets crash just before I retire, years of savings could vanish. When and how should I start moving out of equity?

Ashutosh Gupta: Your concern is fair. With two years to go, a sharp market fall, which no one can predict, can hit hard. The answer is to plan for it rather than panic.

The key question to ask yourself is how much you will depend on this money for regular income after you retire. If you have a pension, rental income or other sources, and this corpus can stay invested and keep growing, there is little to worry about. But if this is going to be your main source of regular income, plan the move carefully. Shift your asset allocation so that equity stays in the mix but at a lower share.

This is what the portfolio planner is built for. Use the regular income module: enter what you have accumulated and the monthly income you will need, and it will work out an asset allocation for you and suggest investments to follow.

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