Hi Ramlal,
It is a very subjective question.
Switching will be in two ways either moving out of equities or moving in equities.
Moving out of equities - means that the market has reached the topmost & now its time for you to take out ur earned money n invest in government bonds, secured funds etc.
You even move out of equities- when u r in need of money in future, i.e if u know after 1 year u need money for ur business or any emergency case then u will move out of equities.
Moving in equities - means when the market is down, every one is withdrawing there money or u can say boss market ki halat buri hai isse bura hone ka koi scope nahi hai then its a best time for u to enter the equity market.
These are to be considered while switching from equities