Investment Advice for Long-Term Portfolio: Should I Hold or Exit These Stocks?

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Ans: Taking a loan against your mutual funds and reinvesting in the same fund may seem like an opportunity to maximise gains. However, this strategy carries significant risks.

Key Risks to Consider
1. Market Uncertainty
Small-cap funds are highly volatile.
A temporary market correction doesn’t guarantee strong returns in the next 3 years.
If the fund underperforms, you could face both a loan repayment burden and lower returns.
2. Interest Cost vs. Expected Returns
Loan interest rates on mutual fund pledges typically range from 9-12% per annum.
Your small-cap fund must generate higher returns than the loan rate to make this strategy profitable.
If the fund returns below 12% CAGR, your effective gains will be negligible or negative.
3. Forced Liquidation Risk
If the market corrects further, your lender may sell your pledged mutual fund units to recover the loan.
This could happen at a loss, forcing you to exit at a lower NAV.
4. Overexposure to a Single Fund
Investing additional money into the same small-cap fund increases concentration risk.
Instead, diversification across flexi-cap, mid-cap, and small-cap funds is better.
Alternative Approaches
Instead of taking a loan, consider:

SIP Investment Strategy

Continue SIPs in a staggered manner rather than a lump-sum reinvestment.
This reduces the risk of investing at an unfavourable price.
Diversified Portfolio Allocation

If markets recover, large-caps and flexi-caps may rebound earlier than small-caps.
Diversifying into these categories will balance returns and risk.
Rebalancing Your Current Portfolio

If you have underperforming funds, consider shifting money to stronger funds.
This avoids borrowing costs and interest rate risks.
Final Insights
Taking a loan against your mutual fund for reinvestment is not advisable due to the high risk of market downturns, interest costs, and forced liquidation. Instead, a disciplined SIP approach in diversified funds will offer better risk-adjusted returns.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

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

Ans: Hello Dear
Chances are there in IIITs but less in NITs. Best of luck to your son.
Follow me, if you like the reply.
Thanks
Radheshyam

Ans: Hello Dear
You have a chance to get admission to IIITs but may have to wait for the CSE branch. In the first round take computer related branch and wait for the subsequent rounds.
Follow me, if satisfied with the reply.
Thanks
Radheshyam

Ans: With an SC category rank around 1,500 to 2,000, your brother stands a reasonable chance of securing CSE or ECE in some of the top NITs. See previous years' cut off.

Ans: Hello Dear.
You did not mention the category. Considering the OC category, the chances of getting CS in NITs are less. The score for the CSE branch is bright. If your daughter is interested in the computer field, then and then only ask her to opt for it. Otherwise, choose other options.
Follow me, if satisfied with the reply. Thanks
(Radheshyam)

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