As I am retiring where to invest my money for 4 to 5 years

As your investment objective is capital appreciation after 4-5 years, you can invest in balanced funds provided you are ready to take moderate risk. Balanced funds invests up to 65% in equities and rest in debt instruments and best suited for investors with moderate risk profile.

Balanced fund as a category has given around 16% annualized return in the last 5 years. The long term capital gains (if you hold your investments for more than one year) and the dividends received from balanced funds are tax free.

To know more about balanced funds, do read the following -

https://www.advisorkhoj.com/principalmf...

https://www.advisorkhoj.com/sbimf...

Hope the above was helpful to you. Thanks for writing to Advisorkhoj.