Should I liquidate my $70k worth AIA Investment Policy 100% AIA India Fund?

How to re-invest it? 70k worth?

My dad made an Investment Plan under my name with AIA and has been paying for the last 19yrs. It slightly more than doubled and it is worth 70k now. 100% AIA India Fund. Should we liquidate it? Not a fan of the India Fund. If I liquidate it, what should I do with the money? I have a super long investment horizon.

Not gonna use this 70k for wedding/car/house.

Undergrad, 24 this year. I have already settled my own insurance Life/TPD/CI/eCI/ISP by working part-time. Have emergency funds too.

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Pang Zhe Liang

21 Mar 2021

Lead of Research & Solutions at Havend Pte Ltd

Before you liquidate your investment, one key reason is to find out why. Given that you have a long investment horizon, what's wrong with the plan such that you want to stop it?

For instance, if you are uncomfortable with the fund or its asset allocation, then you may consider a fund switch instead.

On the other hand, if you have better investment options that are capable of better returns at the same or lower risk level, then go ahead.

Above all, will you liquidate the funds and just park it back in the bank? We won't know what to do with the money unless we know more about you, and your wealth accumulation objective. Thereafter, we can plan the best way to manage this money.

I share quality content on estate planning and financial planning here.

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