Liquidate 50% of your investments

Dear Mr Tan,

I have invested quite a bit in all the funds of Ntuc Income, mostly in Growth and Balanced Fund. All are showing positive gains.

If the market gain another 10%, I plan to liquidate all and wait out for the next down cycle, if it happens.

What is your advice?

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REPLY:

I suggest that you keep the investment in the Growth fund (as you invested at a low price). If you really wish to realise some cash, perhaps you can liquidate 50% and keep the remaining 50% in Growth Fund. This is what I did for my own investments.