It eventually depends on an investor's risk profile.
1. If target has been achieved already, start appropriate STP into a short-term debt fund right away to protect capital up to the "goal amount", availing all tax benefits, while continuing to complete the remaining multicap funds SIPs.
2. If target has not yet been achieved, start appropriate STP into a short-term debt fund right away to protect capital up to the "maximum amount which your risk profile allows", availing all tax benefits, while continuing to complete the remaining multicap funds SIPs.
3. For less aggressive investors, if the remaining goal period is more than 3 years away, target amount corpus can be invested in a short-term debt fund to avail tax benefits, which FDs will not provide, even if minimal market risk is there, as it would have already been taken care of by long-term gains in the multicap funds.
4. If remaining goal period is lesser, debt funds and FDs can be utilized for the accumulated corpus as per need and convenience, both being taxable at your slab rate.
5. FD interest earned may likely be lesser if present trend prevails.
6. Aggressive investors, with higher risk appetite, could STP from funds "1-2 years before the goal" too, availing all tax benefits.
1. If target has been achieved already, start appropriate STP into a short-term debt fund right away to protect capital up to the "goal amount", availing all tax benefits, while continuing to complete the remaining multicap funds SIPs.
2. If target has not yet been achieved, start appropriate STP into a short-term debt fund right away to protect capital up to the "maximum amount which your risk profile allows", availing all tax benefits, while continuing to complete the remaining multicap funds SIPs.
3. For less aggressive investors, if the remaining goal period is more than 3 years away, target amount corpus can be invested in a short-term debt fund to avail tax benefits, which FDs will not provide, even if minimal market risk is there, as it would have already been taken care of by long-term gains in the multicap funds.
4. If remaining goal period is lesser, debt funds and FDs can be utilized for the accumulated corpus as per need and convenience, both being taxable at your slab rate.
5. FD interest earned may likely be lesser if present trend prevails.
6. Aggressive investors, with higher risk appetite, could STP from funds "1-2 years before the goal" too, availing all tax benefits.