Surya Bhatia, Managing Consultant at AssetManagers, advises investors to maintain a right mix of asset allocation since you never know when the equity will get out of flavour. Anil Rego, founder and CEO of Right Horizons, expects interest rates to come down and advises investors to lock money in schemes like FDs, tax efficient FMPs, liquid plus funds and income funds. He also asks investors to look at the rating of income funds before going in for investment.