Should you stop mutual fund SIPs at 60? Expert outlines balanced portfolio strategy

As retirement nears, investment priorities shift from high returns to capital safety, steady growth and liquidity. Sixty-year-old Neeraj Yadav, who invests Rs 25,000 monthly across five mutual funds, is reassessing his SIPs and portfolio strategy. He seeks clarity on rebalancing, stopping select SIPs and deploying funds more prudently to align with his retirement needs and risk profile.