ET Wealth Reader’s Query: I am 52 and have been investing Rs 40,000 a month through SIPs in diversified equity mutual funds for the past 10 years. My daughter’s wedding is expected in about four years, and I estimate the expense at around Rs 40 lakh. Should I continue investing entirely in equity funds, or should I gradually start shifting part of my corpus to debt funds to protect it from market volatility? If so, when should I begin the transition and what would be an appropriate strategy?
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