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Ramalingam Kalirajan |8619 Answers |Ask -Follow
Mutual Funds, Financial Planning Expert - Answered on Apr 28, 2025
Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Question by karthikeyan on Apr 13, 2025
Hi I have invested about 16 lak in mirrae asset large and mid cap and current value is 21.5 lak , have stopped sip since a year. Pl advise is it advisable to keep the fund or to resume SIP or to switch other mirrae asset fund or to redem.
Ans: You have invested Rs 16 lakh in a large and mid-cap fund.
Your investment has grown to Rs 21.5 lakh.
You have stopped the SIP around a year back.
You are thinking whether to continue, switch, or redeem.
You have shown very good patience and investing discipline.
Performance Review of Your Fund
The fund has delivered good growth on your investment.
Large and mid-cap funds aim to balance growth and stability.
Such funds invest in top companies and emerging leaders.
Your corpus appreciation shows the fund has done its job well.
Impact of Stopping SIP
Stopping SIP one year back is fine if your goals were sorted.
SIPs help in rupee cost averaging over long term.
Not doing SIP for some time does not harm past investments.
Lump sum invested earlier will continue to remain invested.
Should You Redeem Now?
Redemption should be linked to goal, not just market levels.
If you need money in 1 to 2 years, you can plan phased redemption.
If you don’t need the money, stay invested for longer.
Equity gives best results when held for more than 7 years.
You have already shown good holding behaviour, keep it up.
Should You Switch to Another Fund?
Switching is advised only if fund consistently underperforms benchmark and peers.
In your case, since corpus grew well, no urgent switch is needed.
Large and mid-cap category remains a strong core holding option.
Instead of frequent fund changing, disciplined review is better.
Should You Restart SIP in Same Fund?
If your financial goals need more corpus, restarting SIP is good.
Same fund is fine if its management and strategy remain consistent.
Alternatively, you can diversify SIP into another flexi cap or large cap fund.
Diversification avoids dependence on a single fund.
Restarting SIP also brings back rupee cost averaging benefits.
Future Strategy for Your Investment
Continue holding your existing investment for wealth compounding.
Restart a SIP if your cash flows allow, linked to your goals.
Allocate new SIPs between existing fund and a second fund.
Review fund performance every 12 months for consistency.
When to Consider Partial Redemption
If your goal is due in next 2-3 years, start phased withdrawal.
Shift withdrawn amounts to debt or hybrid funds for capital protection.
Avoid full redemption at one time to save on taxes.
Mutual Fund Taxation Perspective
Selling units after 1 year counts as Long-Term Capital Gains.
Gains above Rs 1.25 lakh per year taxed at 12.5%.
If you redeem now, calculate gains and tax implications carefully.
Plan redemptions across financial years if possible to save tax.
Advantages of Staying Invested in Current Fund
Consistency helps compound returns effectively over time.
Large and mid-cap funds capture India's long-term growth story.
Switching funds frequently reduces overall return potential.
The fund manager expertise is already working for your money.
Disadvantages of Moving to Direct Funds
Direct plans leave you without Certified Financial Planner support.
Regular plans through MFD plus CFP guidance ensure better portfolio discipline.
Wrong direct investments can cause losses greater than saved commissions.
Personalised guidance adds huge value to your journey.
Drawbacks of Index Fund Investing
Index funds simply copy the index without active decision-making.
No flexibility to protect capital during market downturns.
Active funds adjust portfolio based on market outlooks.
Actively managed funds have consistently outperformed passive funds in India.
Certified Financial Planners prefer active funds for wealth-building goals.
When and How to Rebalance
Every year, check if fund is performing near its benchmark.
If underperformance persists for more than 2 years, think of switch.
Otherwise, stick to your plan for long-term wealth creation.
Rebalancing ensures you maintain your risk and return balance.
Risk Assessment for Future Planning
Large and mid-cap funds are moderately high-risk investments.
Your capacity to hold without panic during market fall is very important.
Avoid making emotional decisions during market volatility.
Asset Allocation Suggestion Going Ahead
Keep 70% to 75% exposure in equity mutual funds.
Allocate 20% to hybrid funds for goal nearing within 5 years.
Keep 5%-10% in short-term debt or liquid funds for immediate needs.
Importance of a Goal-Linked Strategy
Identify whether corpus is for home, retirement, or children education.
Each goal may need different asset allocation.
Planning goal-wise investment brings mental peace and better returns.
Reviewing Portfolio Annually
Check fund performance against benchmark and category average.
Adjust only if there is consistent underperformance.
Otherwise, let compounding continue peacefully.
Review with a Certified Financial Planner for best results.
Best Practices for Mutual Fund Investing
Remain invested through market ups and downs.
Avoid predicting market peaks or bottoms.
Step up SIPs yearly by 10% to counter inflation.
Link every investment to a goal for clarity and purpose.
Trust the long-term Indian economy and equity market story.
If You Have Any Insurance-Cum-Investment Plans
If you hold LIC, ULIP, or investment-cum-insurance policies, surrender them.
Reinvest maturity/surrender proceeds in mutual funds wisely.
Separate insurance and investment for better results.
Finally
Your growth from Rs 16 lakh to Rs 21.5 lakh shows smart investing.
Holding on patiently has rewarded you nicely.
No urgent need to redeem or switch from your current fund.
Restarting SIP in same or different fund can further strengthen your journey.
Plan all actions linked to your financial goals.
Avoid falling for direct plans or index funds without understanding the risks.
Trust the power of good mutual fund selection and professional advice.
Keep reviewing, stay patient, and wealth creation will happen naturally.
You are building a strong financial future with wise steps.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
Your investment has grown to Rs 21.5 lakh.
You have stopped the SIP around a year back.
You are thinking whether to continue, switch, or redeem.
You have shown very good patience and investing discipline.
Performance Review of Your Fund
The fund has delivered good growth on your investment.
Large and mid-cap funds aim to balance growth and stability.
Such funds invest in top companies and emerging leaders.
Your corpus appreciation shows the fund has done its job well.
Impact of Stopping SIP
Stopping SIP one year back is fine if your goals were sorted.
SIPs help in rupee cost averaging over long term.
Not doing SIP for some time does not harm past investments.
Lump sum invested earlier will continue to remain invested.
Should You Redeem Now?
Redemption should be linked to goal, not just market levels.
If you need money in 1 to 2 years, you can plan phased redemption.
If you don’t need the money, stay invested for longer.
Equity gives best results when held for more than 7 years.
You have already shown good holding behaviour, keep it up.
Should You Switch to Another Fund?
Switching is advised only if fund consistently underperforms benchmark and peers.
In your case, since corpus grew well, no urgent switch is needed.
Large and mid-cap category remains a strong core holding option.
Instead of frequent fund changing, disciplined review is better.
Should You Restart SIP in Same Fund?
If your financial goals need more corpus, restarting SIP is good.
Same fund is fine if its management and strategy remain consistent.
Alternatively, you can diversify SIP into another flexi cap or large cap fund.
Diversification avoids dependence on a single fund.
Restarting SIP also brings back rupee cost averaging benefits.
Future Strategy for Your Investment
Continue holding your existing investment for wealth compounding.
Restart a SIP if your cash flows allow, linked to your goals.
Allocate new SIPs between existing fund and a second fund.
Review fund performance every 12 months for consistency.
When to Consider Partial Redemption
If your goal is due in next 2-3 years, start phased withdrawal.
Shift withdrawn amounts to debt or hybrid funds for capital protection.
Avoid full redemption at one time to save on taxes.
Mutual Fund Taxation Perspective
Selling units after 1 year counts as Long-Term Capital Gains.
Gains above Rs 1.25 lakh per year taxed at 12.5%.
If you redeem now, calculate gains and tax implications carefully.
Plan redemptions across financial years if possible to save tax.
Advantages of Staying Invested in Current Fund
Consistency helps compound returns effectively over time.
Large and mid-cap funds capture India's long-term growth story.
Switching funds frequently reduces overall return potential.
The fund manager expertise is already working for your money.
Disadvantages of Moving to Direct Funds
Direct plans leave you without Certified Financial Planner support.
Regular plans through MFD plus CFP guidance ensure better portfolio discipline.
Wrong direct investments can cause losses greater than saved commissions.
Personalised guidance adds huge value to your journey.
Drawbacks of Index Fund Investing
Index funds simply copy the index without active decision-making.
No flexibility to protect capital during market downturns.
Active funds adjust portfolio based on market outlooks.
Actively managed funds have consistently outperformed passive funds in India.
Certified Financial Planners prefer active funds for wealth-building goals.
When and How to Rebalance
Every year, check if fund is performing near its benchmark.
If underperformance persists for more than 2 years, think of switch.
Otherwise, stick to your plan for long-term wealth creation.
Rebalancing ensures you maintain your risk and return balance.
Risk Assessment for Future Planning
Large and mid-cap funds are moderately high-risk investments.
Your capacity to hold without panic during market fall is very important.
Avoid making emotional decisions during market volatility.
Asset Allocation Suggestion Going Ahead
Keep 70% to 75% exposure in equity mutual funds.
Allocate 20% to hybrid funds for goal nearing within 5 years.
Keep 5%-10% in short-term debt or liquid funds for immediate needs.
Importance of a Goal-Linked Strategy
Identify whether corpus is for home, retirement, or children education.
Each goal may need different asset allocation.
Planning goal-wise investment brings mental peace and better returns.
Reviewing Portfolio Annually
Check fund performance against benchmark and category average.
Adjust only if there is consistent underperformance.
Otherwise, let compounding continue peacefully.
Review with a Certified Financial Planner for best results.
Best Practices for Mutual Fund Investing
Remain invested through market ups and downs.
Avoid predicting market peaks or bottoms.
Step up SIPs yearly by 10% to counter inflation.
Link every investment to a goal for clarity and purpose.
Trust the long-term Indian economy and equity market story.
If You Have Any Insurance-Cum-Investment Plans
If you hold LIC, ULIP, or investment-cum-insurance policies, surrender them.
Reinvest maturity/surrender proceeds in mutual funds wisely.
Separate insurance and investment for better results.
Finally
Your growth from Rs 16 lakh to Rs 21.5 lakh shows smart investing.
Holding on patiently has rewarded you nicely.
No urgent need to redeem or switch from your current fund.
Restarting SIP in same or different fund can further strengthen your journey.
Plan all actions linked to your financial goals.
Avoid falling for direct plans or index funds without understanding the risks.
Trust the power of good mutual fund selection and professional advice.
Keep reviewing, stay patient, and wealth creation will happen naturally.
You are building a strong financial future with wise steps.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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