I am 30 years old and for the past four years I am investing in seven funds for my retirement. I am doing this for the past 4 years. My profits stand at 20-25 per cent; is it advisable to sell all my holdings and park the money in liquid funds and do STP (for 1-2 years) into the same seven funds while I continue my SIPs in them? I am scared of the present high levels of the Sensex. What do you advise?