I am 27 years old. Let us say I have surplus amount of Rs. 20000/- per month for next 5 years, 10000/- per month for another next 5 years. I analyze,research and build a powerful portfolio out this surplus amount. But it is very awkward that I know what to purchase but don’t know when to redeem this surplus amount. Shall I keep it for lifetime? One thing I understand as my age grows, I need to shift funds from equity to debt. But how it should be planned?