As retirement approaches, investing is no longer just about chasing high returns. The focus shifts to capital preservation, steady growth, and maintaining liquidity when needed. Many investors around the age of 60 grapple with questions such as whether to stop certain SIPs, rebalance their mutual fund portfolio, or deploy a lump sum in a safer, more balanced manner.

This is the case of Neeraj Yadav, a 60-year-old investor and viewer of The Money Show on ET Now. He currently runs monthly SIPs of Rs 5,000 each across five mutual funds, taking his total SIP outflow to Rs 25,000 per month. His investments include SBI Gold Direct Plan, Motilal Oswal Large & Midcap Fund, Nippon India Large Cap Fund, ICICI Prudential Large Cap Fund, and Parag…