विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं
Anish
Ramalingam Kalirajan8617 Answers |Ask - Follow
Mutual Funds, Financial Planning Expert - Answered on May 26, 2025
Asked on - May 26, 2025
I am holding SBI Innovative Opportunities Fund for Rs 7.5 lakhs. Presently I am need of funds & fund performance is not good. Pl. advise should I keep it by taking loan or fulfill my need by redeeming them.
Ans: You have Rs 7.5 lakhs invested in SBI Innovative Opportunities Fund, and you're currently in need of funds. The fund's performance has not met expectations, and you're considering whether to redeem your investment or take a loan to meet your financial needs.
Let's assess your options with a 360-degree perspective.
Current Situation Assessment
You are holding a sectoral mutual fund worth Rs 7.5 lakhs.
You urgently need funds and are considering options.
The fund’s performance is not satisfactory for your expectations.
You are unsure if it’s better to redeem or take a loan.
Nature of Sectoral Mutual Fund
Sectoral funds focus on a single sector of the economy.
Returns depend entirely on that one sector’s performance.
This makes them very risky and volatile for common investors.
Even good funds in bad sectors show poor results.
Performance recovery may take years, or may not happen.
Need of the Hour: Liquidity
You need funds now for a purpose.
Loans come with interest and repayment pressure.
Redeeming a fund avoids this stress.
Continuing with a weak fund is not helpful when you are in need.
Emotional attachment to the investment can mislead decisions.
Loan Option Evaluation
Taking a personal loan will involve interest outflow monthly.
If your cash flow is tight, this can create new stress.
Loan EMI becomes a burden, especially if your income drops.
You are borrowing money while holding poor assets.
This is like paying to keep a losing investment alive.
Redemption Tax Impact
If you held the fund for over one year, it is long-term.
Long-term gains above Rs 1.25 lakhs are taxed at 12.5%.
If held for less than a year, gains are short-term.
Short-term gains are taxed at 20%.
Even after tax, redeeming is often better than taking a costly loan.
Emergency Over Investment
Emergency needs should always be given first priority.
Do not worry about breaking an investment for your need.
You can invest again when the situation improves.
Selling one bad fund does not mean your journey ends.
Your financial peace is more important now.
How to Rebuild After Redemption
Start again with a fresh and structured financial plan.
Build an emergency fund of 6 months’ expenses.
Keep the money in a separate savings account or liquid mutual fund.
Invest in mutual funds that are actively managed.
Stay away from sectoral or thematic funds unless guided properly.
Discipline is More Important Than Timing
Investing regularly is more powerful than investing occasionally.
SIPs in well-managed diversified mutual funds work well in long run.
Don’t stop investing due to one poor experience.
Take professional help and stay consistent.
Don’t chase past returns or market predictions.
Choose the Right Investing Route
Avoid investing in direct plans on your own.
Direct plans don’t provide personalised guidance and emotional discipline.
Many investors make wrong choices with direct funds.
Investing through a CFP-certified MFD offers ongoing advice and review.
They help you select, monitor and exit schemes wisely.
Planning Your Financial Life Forward
Write down your short-term and long-term goals.
Match your investments to those goals and time frames.
Have a clear reason behind each investment.
Monitor performance every 6 or 12 months.
Exit funds that consistently underperform their peers.
Focus more on long-term consistency, not short-term returns.
Mental Peace is True Wealth
Investments are not just about returns.
They should make your life easier, not more stressful.
A poor fund should be let go when it stops serving your need.
Releasing such investments brings clarity and confidence.
Finally
You should redeem this sectoral fund to meet your urgent needs.
Taking a loan will only add pressure with no return guarantee.
Fund performance does not support holding it longer.
Use this experience to structure better investments ahead.
Get guidance from a Certified Financial Planner to avoid future mistakes.
Focus on building a resilient portfolio with regular, goal-based investing.
Secure your emergency fund first, then start long-term SIPs.
This discipline will reward you over the next 10–15 years.
Don’t carry bad investments out of fear or confusion.
Release, regroup, and restart your financial life on strong ground.
You deserve financial clarity and confidence, not stress and regret.
Make decisions based on logic, not attachment.
Be proud you are evaluating the situation wisely and acting on time.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
(more)
Let's assess your options with a 360-degree perspective.
Current Situation Assessment
You are holding a sectoral mutual fund worth Rs 7.5 lakhs.
You urgently need funds and are considering options.
The fund’s performance is not satisfactory for your expectations.
You are unsure if it’s better to redeem or take a loan.
Nature of Sectoral Mutual Fund
Sectoral funds focus on a single sector of the economy.
Returns depend entirely on that one sector’s performance.
This makes them very risky and volatile for common investors.
Even good funds in bad sectors show poor results.
Performance recovery may take years, or may not happen.
Need of the Hour: Liquidity
You need funds now for a purpose.
Loans come with interest and repayment pressure.
Redeeming a fund avoids this stress.
Continuing with a weak fund is not helpful when you are in need.
Emotional attachment to the investment can mislead decisions.
Loan Option Evaluation
Taking a personal loan will involve interest outflow monthly.
If your cash flow is tight, this can create new stress.
Loan EMI becomes a burden, especially if your income drops.
You are borrowing money while holding poor assets.
This is like paying to keep a losing investment alive.
Redemption Tax Impact
If you held the fund for over one year, it is long-term.
Long-term gains above Rs 1.25 lakhs are taxed at 12.5%.
If held for less than a year, gains are short-term.
Short-term gains are taxed at 20%.
Even after tax, redeeming is often better than taking a costly loan.
Emergency Over Investment
Emergency needs should always be given first priority.
Do not worry about breaking an investment for your need.
You can invest again when the situation improves.
Selling one bad fund does not mean your journey ends.
Your financial peace is more important now.
How to Rebuild After Redemption
Start again with a fresh and structured financial plan.
Build an emergency fund of 6 months’ expenses.
Keep the money in a separate savings account or liquid mutual fund.
Invest in mutual funds that are actively managed.
Stay away from sectoral or thematic funds unless guided properly.
Discipline is More Important Than Timing
Investing regularly is more powerful than investing occasionally.
SIPs in well-managed diversified mutual funds work well in long run.
Don’t stop investing due to one poor experience.
Take professional help and stay consistent.
Don’t chase past returns or market predictions.
Choose the Right Investing Route
Avoid investing in direct plans on your own.
Direct plans don’t provide personalised guidance and emotional discipline.
Many investors make wrong choices with direct funds.
Investing through a CFP-certified MFD offers ongoing advice and review.
They help you select, monitor and exit schemes wisely.
Planning Your Financial Life Forward
Write down your short-term and long-term goals.
Match your investments to those goals and time frames.
Have a clear reason behind each investment.
Monitor performance every 6 or 12 months.
Exit funds that consistently underperform their peers.
Focus more on long-term consistency, not short-term returns.
Mental Peace is True Wealth
Investments are not just about returns.
They should make your life easier, not more stressful.
A poor fund should be let go when it stops serving your need.
Releasing such investments brings clarity and confidence.
Finally
You should redeem this sectoral fund to meet your urgent needs.
Taking a loan will only add pressure with no return guarantee.
Fund performance does not support holding it longer.
Use this experience to structure better investments ahead.
Get guidance from a Certified Financial Planner to avoid future mistakes.
Focus on building a resilient portfolio with regular, goal-based investing.
Secure your emergency fund first, then start long-term SIPs.
This discipline will reward you over the next 10–15 years.
Don’t carry bad investments out of fear or confusion.
Release, regroup, and restart your financial life on strong ground.
You deserve financial clarity and confidence, not stress and regret.
Make decisions based on logic, not attachment.
Be proud you are evaluating the situation wisely and acting on time.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
Samraat Jadhav2302 Answers |Ask - Follow
Stock Market Expert - Answered on Oct 26, 2023
Asked on - Oct 25, 2023English
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कृपया सूचित करें कि कौन से ऐप्स सुरक्षित हैं और कौन से ऐप्स सुरक्षित हैं? इक्विटी में ट्रेडिंग करने के लिए वास्तविक। क्या साइट पर कोई अनुमोदित सूची उपलब्ध है?
Ans: ऐसी कोई अनुमोदित सूची नहीं है. एक ब्रोकर जो सेबी पंजीकृत है वह डीमैट और ट्रेडिंग खाता खोलने और व्यापार करने के लिए काफी अच्छा है।
अस्वीकरण: प्रतिभूतियों में निवेश बाजार जोखिमों के अधीन है। निवेश करने से पहले सभी संबंधित दस्तावेजों को ध्यान से पढ़ें। कृपया कोई भी निर्णय लेने से पहले अपने नियुक्त/भुगतान किए गए वित्तीय सलाहकार से परामर्श लें। उद्धृत प्रतिभूतियाँ केवल उदाहरण के लिए हैं और अनुशंसात्मक नहीं हैं। सेबी द्वारा दिया गया पंजीकरण, बीएएसएल की सदस्यता और एनआईएसएम से प्रमाणन किसी भी तरह से मध्यस्थ के प्रदर्शन की गारंटी नहीं देता है या निवेशकों को रिटर्न का कोई आश्वासन नहीं देता है।
(more)
अस्वीकरण: प्रतिभूतियों में निवेश बाजार जोखिमों के अधीन है। निवेश करने से पहले सभी संबंधित दस्तावेजों को ध्यान से पढ़ें। कृपया कोई भी निर्णय लेने से पहले अपने नियुक्त/भुगतान किए गए वित्तीय सलाहकार से परामर्श लें। उद्धृत प्रतिभूतियाँ केवल उदाहरण के लिए हैं और अनुशंसात्मक नहीं हैं। सेबी द्वारा दिया गया पंजीकरण, बीएएसएल की सदस्यता और एनआईएसएम से प्रमाणन किसी भी तरह से मध्यस्थ के प्रदर्शन की गारंटी नहीं देता है या निवेशकों को रिटर्न का कोई आश्वासन नहीं देता है।