As a long time investor, each year you would have religiously invested across asset classes and investment products to save for the long-term goals.
Your discipline and patience have now paid off. The time has come for the goals to be met. And, you need a plan to meet them and not spoil the hard year’s toil.
Your investment portfolio for each goal would typically have equity shares, equity mutual funds and fixed income investments among others. Now they have to be redeemed and put to use. However, taking the right decisions as your goals approach is extremely important. Unlike in the accumulation phase, where taking risk through equity-related assets was inevitable, the de-risking process becomes important nearing goals.
De-risking should ideally be started about three years from the goal and one should start shifting volatile assets such as equities to debt assets. The idea is to derisk your accumulated corpus and shield it from any further volatility. The de-risking, however, has to be for specific goals and in a systematic manner.
Existing investments nearing goals
この記事は Investors India の September 2018 版に掲載されています。
7 日間の Magzter GOLD 無料トライアルを開始して、何千もの厳選されたプレミアム ストーリー、9,000 以上の雑誌や新聞にアクセスしてください。
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この記事は Investors India の September 2018 版に掲載されています。
7 日間の Magzter GOLD 無料トライアルを開始して、何千もの厳選されたプレミアム ストーリー、9,000 以上の雑誌や新聞にアクセスしてください。
すでに購読者です? サインイン
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