How shifting to debt can protect investments.
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If long-term SIPs can still turn negative after a bull run followed by a sharp crash, shouldn’t I also evaluate strategies like gradual profit booking, rebalancing, or partially shifting to debt as my goal nears to avoid last-minute downside risk?
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Totally get what you mean. When you're getting close to the finish line, it’s all about keeping what you've worked hard for. SIPs are awesome for growing your money, but the market can be a bit crazy in the short run.
So, slowly shifting some of those gains into safer options like debt or short-term funds is a smart move. It helps you secure those profits and keeps unexpected market dips from throwing a wrench in your plans.