Hi, I have investment of about 30 lacs in equity mutual funds. since the market level is reasonably high at this point, thus, i have redeemed 40% of my long term equity mutual funds into liquid funds. Now, i dont need this money for at least next 3-4 years. Few dilemmas that i have ::
1. Should i leave the money in liquid funds till market corrects and get 100% equity allocation thereafter again, my risk appetite allows that.
2. Should i put 10-20% into debt instrument for now and move to equity later. If yes, then FMP or MIP??
3. Should i do a STP for 3-4 months directly into equity right now, since people are expecting correction by year end or so, albeit, i am not sure about this.
Pls recommend.