ICICI Prulife Retirement plan - How to monitor/manage to maximise benefit?

Hi All,

I have taken an ICICI Prulife retirement plan and am paying the premium for the past 4 years.

The agent suggested a 40,30,20 ratio between growth, debt and balanced. For the past 4 years, I just look at the ups and downs the investment has gone through and do nothing.

Am I doing the right thing? Would one simply continue investing until the year of retirement and then take whatever is available in the account at that time? I guess I am missing something very obvious here. Can someone please help?

Is there a strategy one would employ like booking profits for MFs?

Please advise.


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