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Stuck in ELSS Funds: How to Recover 3 Lakh Loss?

Samraat Jadhav |2204 Answers |Ask -Follow

Stock Market Expert - Answered on Feb 13, 2025

Samraat Jadhav is the founder of Prosperity Wealth Adviser.
He is a SEBI-registered investment and research analyst and has over 18 years of experience in managing high-end portfolios.
A management graduate from XLRI-Jamshedpur, Jadhav specialises in portfolio management, investment banking, financial planning, derivatives, equities and capital markets.... more

Asked by Anonymous - Feb 13, 2025Hindi

Money

Hello, i have invested in long term period of 10lakhs in motilal ELSS tax saver fund and Quant ELSS tax saver fund which has lock in period of 3yrs . Im worried since market is crashing day by day. Now I can see my money reduced to 7lakhs. But im trying to be positive. When will market get stabilize and i can recover my money?

Ans: atleast wait for the 3yrs lockin. Markets are bad in short term and very good in long term. Stay Invested

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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I am a regular reader of your advice in rediff which are very useful. I am 44 years and have a lump sum of 50 lakh to invest. I want to invest for long term of 10 years and more. I chose following funds: Uti nifty index fund - 15 lakh Motilaloswal Nasdaq 100 ETF - 10 lakh Sbi nifty index fund - 10 lakh Gold ETF - 15 lakh Want to invest 50 lakh in next 4 - 5 months time when ever a dip occurs in the market in above funds. Request your kind suggestion in this regard.

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Asked by Anonymous - Jun 05, 2024Hindi

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Hi is this good time to invest in stock market for long term, I am 23 and planning to invest in stocks for long term. Kindly share me some recommendations thanks. I can invest 1.3 lakh now

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Question by Bishnu - Nov 20, 2024Hindi

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Sir, I am 73 years old and a retired pensioner. I have invested Rs11 lakhs 3 months ago in stocks comprising of ITC, Reliance, SBI and Coal India. Except SBI, the remaining 3 stocks are now down by about 7.5 to 15% on its investment value. The current overall unrealised loss is about Rs1 lakh. I am also investing in mutual fund and ETF on SIP mode, which are also in red. Since, the market has a bear run now, kindly suggest whether to exist now or to wait for the market to recover. My time time horizon is short term considering my age.

Ans: Hello;

You should exit your direct equity investment as early as possible and close the demat/trading account.

Also mutual fund investments for 3-5 year horizon should be in equity savings type mutual funds or conservative hybrid debt funds.

Avoid exposure to pure equity funds/ETFs.

It is not suitable for your age and time horizon.

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Asked by Anonymous - Feb 13, 2025Hindi

Money

Why do Debt Funds offer lower returns as compared to Equity Mutual Funds?

Ans: Debt funds and equity mutual funds serve different purposes in an investor's portfolio. Debt funds offer stability and lower risk, while equity mutual funds focus on high growth with higher risk.

Below are the key reasons why debt funds provide lower returns than equity funds.

1. Nature of Underlying Investments
Debt funds invest in bonds, government securities, corporate debt, and fixed-income instruments.

These instruments provide fixed interest, leading to predictable but lower returns.

Equity mutual funds invest in company stocks, which have the potential for higher capital appreciation over time.

2. Risk-Return Tradeoff
Lower risk means lower return potential in debt funds.

Debt investments focus on preserving capital rather than aggressive growth.

Equities are volatile, but over the long term, they tend to generate higher returns.

3. Interest Rate Sensitivity
Debt fund returns depend on interest rate movements in the economy.

Rising interest rates reduce bond prices, lowering returns in debt funds.

Equity funds are less impacted by interest rate changes and benefit from economic growth.

4. Inflation-Adjusted Returns
Debt funds often fail to beat inflation in the long run.

Equity investments provide inflation-adjusted growth due to rising corporate earnings.

Holding equities for longer durations results in compounding benefits.

5. Growth Potential
Equities represent ownership in businesses that expand over time.

Business growth translates to higher share prices and higher returns.

Debt instruments provide fixed interest, which limits potential upside.

6. Tax Efficiency
Equity mutual funds enjoy lower long-term capital gains (LTCG) tax rates compared to debt funds.

Debt fund gains are taxed as per the investor’s income tax slab, reducing post-tax returns.

This tax treatment makes equities more attractive for long-term wealth creation.

7. Market Performance
During economic growth, companies generate higher profits, leading to higher equity returns.

Debt fund returns depend on interest rate cycles, making them less rewarding in growth periods.

Equities have historically outperformed debt over longer durations.

Finally
Debt funds provide safety and stability but offer lower returns.

Equity mutual funds outperform over time due to business expansion and compounding.

A well-balanced portfolio should include both debt and equity, based on financial goals.

Best Regards,

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Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

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I want to sell my 2900 sft for 2.03 crores. I purchased it on 01/12/2009 for 9317170 lakh including registration fees. What would be capital gain tax? With indexation and without. Thank you.

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After today's Budget by FM Which TAX regime to choose if Income is around 18 lacs PA. Having Home Loan Principal 1.50 Home loan Interest 2 lacs Other 80C - 1.50 lacs 80 D - 40K

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Sir, on 29/02/2024 I had filed an updated Return for the A.Y. 22-23 by correcting all the data and also paid the additional tax liability with 25% penalty. But now i received a demand notice u/s 156 & that contains only the intimation u/s 143(1). That intimation shows that all tax calculation is ok except interest u/s 234B and so the tax payable arise. what can I do, shall i pay the demand amount or file a rectification for the same. And it has been more than 30 days on receipt of such demand notice.

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Question by tanmay - Feb 13, 2025Hindi

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Hello Sir/Madam, i am 36 years after a gap of several years at job due to personal reason i started new job from zero during covid time as i wanted to save money for future one of my friend advised for stocks i opened from 1 app,then got another app like this 3 different app i sing for stocks initially was stock was going up and since 4-5 month stock is not performing well and later on from 1 app i opened mutual fund of 2000,500 lke this which went to 14000 later on that also in red feeling so tension did i do mistake by opening mutual fund and stock without knowledge and doing research please advice me what should i do where will i get to learn about best stock and nutual fund and also please tell me should i close all the 3 app(groww,dhani app,5 paisa) one app 5 paisa is unnecessary charging me AMC charging without doing any transaction every three month and on that taking penalty with interest.Please help me

Ans: Hello;

Trading in stocks just based on tips, without adequate knowledge, is akin to playing with fire.

For mutual fund investments you don't need demat and trading account.

You need guidance from a certified financial planner or an investment advisor to handhold you in your investment journey.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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