Stock profit calculator etf5/1/2023 ![]() This apart, you will have to pay capital gains tax (short-term or long-term, depending on theįund and your holding period) on the funds you are switching out of/ redeeming. You may suffer exit loads on some funds at the time of redemption if your holding period falls within the Both these factors are explained in detail in these two articles: switching between One, theĪsset class you are entering and two, if you’re making fresh investments, how much it accounts for in When reinvesting, whether to make a one-time investment or spread it out depends on two factors. In equity, it’s best to avoid phasing it out too much as you risk market levels changing in ![]() Spreading out redemptions makes it more tax-efficient for you if you need to redeem from debt/gold, then you Trying to book profits based on performance a few months will not matter significantly. There’s no real need to stagger exits because you’re Ideally, redemption can be done at one shot. Simply mark the latter two categories as part of high-risk debt.ĭo I exit and reinvest in one go, or should I do it through STPs/ SIPs? For the other hybrid categories -Īrbitrage, conservative hybrid, equity savings - you can assume them to be part of your debt allocation. For balanced advantage funds, consider a 50-50 split. Generally speaking, you can use rough thumb rules: for aggressive hybrids, consider a 75-25 equity-debtĪllocation. How do I know my asset allocation and how do I manage Portfolio if your reinvesting takes your fund’s allocation beyond this limit. Three, that you keep an individual fund’sĮxposure within a limit of 20-25% of your portfolio (10-20% if it’s a debt fund). Stick to funds that do not take duration or credit calls. Portfolio’s mid-cap allocation to levels higher than you’re comfortable with. In your portfolio and a buy in our MF Review Tool, don’t simply invest here if it takes your Two, that you do not pickįunds that will significantly change the risk profile of your portfolio. ![]() One, the fund you pick matches your portfolio’s timeframe and risk profile. Alternatively, you can also refer to Primeįunds, if you wish to add new funds to your portfolio. How do Iįor investments (reinvestment of redeemed amounts and/or additional fresh investments), go for funds that areīuys in our MF Review Tool, which are part of your The calculator says I need to invest in an asset class to get it to my desired allocation. Requirement, then you can do any of the following: one, use funds where allocations are low and no SIP isįund category which is inflated in equity – such as smallcaps or midcaps, and go to the higher-riskįunds in debt – such as funds with higher credit risk or those prone to higher volatility (those thatįollow duration-based strategies like dynamic bond or gilt) If you have no underperformers or it is not sufficient to meet the redemption Check our MF Review Tool to know our call (buy/sell/hold) on The funds to exit would be those that are underperforming in your portfolio. The calculator says I need to redeem from an asset class.
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