विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

Ans: First of all, achieving an overall portfolio growth of around 14% annually over 10 years is a very good outcome. More importantly, you have stayed invested through different market cycles. That discipline deserves credit.

» Should You Redeem A Fund Just Because It Has Given 150% Return?

– No. A fund should not be redeemed merely because it has delivered high returns.

– The real question is whether the fund still deserves a place in your portfolio.

– Many wealth creators have generated substantial wealth because they allowed good investments to continue compounding for long periods.

– A 150% return is a result of successful investing, not necessarily a reason to exit.

» What Should You Evaluate?

– Is the fund still performing reasonably well compared to its category?

– Has the investment objective changed?

– Is there excessive overlap with your other funds?

– Has the fund become too large a percentage of your portfolio?

– Do you need the money for any goal in the near future?

If the answers are favourable, there may be no urgency to redeem.

» Beware Of The "Profit Booking" Trap

– Many investors sell their winners and keep their underperformers.

– Over time, this can reduce overall portfolio growth.

– Often, the best-performing investments continue to create wealth if allowed to compound.

– Compounding works best when interrupted as little as possible.

» When Redemption May Make Sense

– If the fund category no longer suits your goals.

– If there is excessive concentration in one theme or sector.

– If you need money for a planned goal.

– If portfolio rebalancing is required.

– If the fund has consistently underperformed over multiple market cycles.

» Tax Impact Also Matters

– Since many of these investments are 15-20 years old, redemption may trigger capital gains taxation.

– Long-term capital gains above Rs 1.25 lakh in a financial year are taxed at 12.5%.

– Before redeeming, evaluate the post-tax benefit rather than only the absolute return.

» My Assessment

– Based on the information shared, I would not recommend redeeming simply because the fund has given 150% returns.

– In fact, such funds may be examples of successful long-term compounding.

– Your continuing SIPs show that your wealth creation journey is still active.

– Unless there is a portfolio allocation issue, goal requirement or fund-specific concern, remaining invested may be the better option.

» 360 Degree View

– Continue SIPs.

– Review asset allocation once every year.

– Gradually rebalance if any category becomes oversized.

– Avoid frequent switching based on recent performance.

– Keep your focus on the next 10-15 years rather than the last 10-15 years.

– Align investments with future goals rather than past returns.

» Finally

– High returns alone are not a reason to sell.

– Good investments should be allowed to compound as long as the original investment case remains intact.

– Review the fund quality, portfolio allocation and goal relevance before taking any redemption decision.

– In many cases, patience with successful investments creates more wealth than frequent profit booking.

Best Regards,

K. Ramalingam, MBA, CFP,

AMFI-Registered MFD – ARN 4188

www.holisticinvestment.in

https://www.linkedin.com/in/ramalingamcfp/

Ans: बाहर निकलना

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।

Ans: उच्च वृद्धि वाले शेयरों को बेचें और स्थानांतरित करें।

धन्यवाद

कृपया ध्यान दें: निवेश की रणनीतियाँ आपकी जोखिम क्षमता पर निर्भर करती हैं, इसलिए कृपया अपने वित्तीय सलाहकार से परामर्श लें और फिर आगे का निर्णय लें।

अद्वैत अरोड़ा @wealthenrich

Ans: नहीं रुको