While the retirement was due in 10 years as per the original plan, the client changed his mind and preponed it and decided to retire within the next 24 months. His overall exposure was 65% in Equity; 25% in Gold and 10% in Debt. So, this sudden change of mind warranted switches from Equity to Debt. But the challenge was market volatility and taxation. So, I made a staggered exit from Equity over the next 24 months bringing down the exposure to 25%. I brought down the exposure in Gold down to 15% and switched them to Debt. This arrangement helped me to ensure optimum taxation for my client and also, I could maneuver through the market volatility. Since it was an early retirement, I maintained 60% exposure in Debt for annuity purposes and maintained exposure in Equity at 25% and Gold at 15% to beat the inflation in the long run. While we maintained the Equity exposure at 25%, I allocated 60% of that corpus in Large Cap, 30% in Mid Cap and 10% in Small Cap. While Large Cap investments are planned to be switched to annuity fund after 20 years as a reinforcement, Mid Cap and Small Cap investments are planned for ad hoc uses and/or legacy.