When to Exit Your Mutual Fund Investment? | Money Psychology
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Күн бұрынIf you're an investor who does a lot of research before picking stocks or mutual funds for your portfolio, you've probably counted on the magic of compounding over the long term. But, can you accurately predict when to exit your mutual funds? The answer is yes!
There are tons of videos out there about how to buy the best mutual funds for your portfolio, but very few talk about when to sell them. The truth is, you can only truly benefit from compounding if you know the right time to sell your mutual funds.
In this video, we'll cover the good and bad reasons people sell their mutual funds and talk about SWP (Systematic Withdrawal Plan) and its usefulness in goal based investing. Also, check out the resources below.
Do show us your love in the comments below!
Happy Watching :)
0:00 - Let’s begin
1:38 - Good & bad reasons for which people sell their mutual funds
8:09 - Why should you withdraw your mutual funds in installments?
11:17 - SWP Calculator
12:19 - Zero1 Mission
13:58 - Bloopers!
📚 Resources
Zero1 Mission : docs.google.com/forms/d/1X4vT...
How does SWP help avoid market timing risks? - docs.google.com/document/d/1K...
Managing Long-Term Goals with SWP - docs.google.com/document/d/1J...
@lion14fire 17 күн бұрын
You can exit equity and move them to debt when goal is nearing and finally remove debt completely
@sud2954 16 күн бұрын
And give tax 2 times😂
@ben4wisdom 16 күн бұрын
@@sud2954 For shorter periods like 1 year in debt funds the tax is negligible. Your main corpus is intact and that is what matters.
@Thepunemh12 16 күн бұрын
Not everyone is as disciplined as you. That's the whole point.
@kwondo_22_mars 16 күн бұрын
@@Thepunemh12 if not don't do it. If it's essential it's your laziness is killing you.
@KPS_04 15 күн бұрын
@@sud2954 Far better than losing sleep over an unexpected market fall when you are close to reaching your goal
@Archaeopteryx92 17 күн бұрын
Do the opposite when ever market falls. Invest even more (with long term intention ofcourse). Every fall is an opportunity cause its always momentary and things will eventully grow in future. Long term is the key.
@vijayjangid8967 13 күн бұрын
TRUE! I did this in Yes Bank's stock price drop
@08pkz 16 күн бұрын
Informative video, loved the way how missions are overlayed on the tool. Questions inside the mission were really well made, enjoyed answering them. Scored 50/60! Thanks for the effort team, great work! 👍
@digantoxetcar5110 15 күн бұрын
Amazing video as always, really love the fact that you guys talked about panic selling and systematic withdrawals!
@amritbhowmick8310 13 күн бұрын
Content is good but editing is next level. Your video editor is one of the best it seems
@Zero1byZerodha 13 күн бұрын
❤️❤️
@klass5331 11 күн бұрын
Thanks for sharing this video on when to exit mutual fund investments! Knowing the right time to make a move can make a big difference in our financial journey. It's all about balancing goals, performance, and fees. Great insights to consider before making any decisions!
@Odia_bhaina 17 күн бұрын
If no one withdraws in a dip,there won't be a dip
@ben4wisdom 16 күн бұрын
if everybody was smart, stock market system would collapse ;) One makes money when the other loses. This is how it works.
@imran4006 16 күн бұрын
Pledging of Shares for Options trading must be banned because they use your pledged shares for Options buying and make the shares to fall.
@Odia_bhaina 16 күн бұрын
@@ben4wisdom not necessarily. Everyone's salary increases 5 percent every year. So market should go up by 5 percent every year without anyones loss. Not necessary that it happens.
@ppsaha1994 14 күн бұрын
@@Odia_bhaina the majority of Indian population don't get hike every year. It's a very very tiny percentage. The sarkaari naukri people and IT crowd only. Other streams don't get fixed hikes or hikes at all every year.
@Odia_bhaina 14 күн бұрын
@@ppsaha1994 price increases every year. If chai costs 7 rs instead of 5 rs, some part of that price hike goes to the chai wala as well. He doesn't participate in the stock market directly but you get my point u hope.
@guythomas4335 17 күн бұрын
Awesome 👍 keep it up guys. You're doing excellent work here. Thanks
@aravindhphani1689 6 күн бұрын
You’re way of easy explaining and the animations and yor comedy in btw was literally fantastic 🎉
@manushnandan7440 15 күн бұрын
I really enjoyed this video, Love it 💗
@track0123456789 17 күн бұрын
Never exits, always rebalance them.. what is learnt till date.
@jishnu18 13 күн бұрын
say that to a japanese investor from 90s
@track0123456789 13 күн бұрын
learn from the past. Talk to you in 20years.
@Hehebroty 7 күн бұрын
@@jishnu18why compare to Japanese ? Weird logic and equally bad comment
@ytuser1932 5 сағат бұрын
@@jishnu18please stop now this excuse think new excuses india is developing country ❤❤❤❤
@avigyanmitraofficial 15 күн бұрын
Appreciate the storytelling 🎉🎉
@Deb-fd5km 17 күн бұрын
mich needed video, answers a lot of my doubts
@ShivaPrasad-nm7zp 12 күн бұрын
When the goal is near, reduce or stop your SIP's. Start withdrawing through SWP's over a period of 1 to 3 years. Larger the corpus , longer should be the duration of with drawal. You also get to save taxes by utilising exemption of upto one lakh on long term capital gains ( on Equity funds of course) Park your withdrawn funds in a safe debt instrument such as RD, Liquid fund or Short term debt fund till final withdrawal.
@Bishman1 6 күн бұрын
Hi, can you make a video on international funds? I heard that the Japanese market has been in a bear trend for three decades. How did the index funds and other funds perform during that period?
@aniruddhaboro9290 17 күн бұрын
Excellent Presentation 🔥
@anirbannanda4444 17 күн бұрын
Instead of taking it out slowly why can't I just stop investing whatever I was going to invest and put it in a recurring deposit? Planned expenses should always be done with planned savings in RD, not taking out from MF.
@ben4wisdom 16 күн бұрын
If you have invested in MF for some goal, you will need to take it out when that goal approaches. We are discussing about how to do it systematically. Ideally for long term goals you should start withdrawing or moving to debt funds 2-3 years before the actual goal deadline.
@anirbannanda4444 16 күн бұрын
@@ben4wisdom understood.
@SiddhanthRoyal 17 күн бұрын
quality content :chef's kiss:
@chandrashekarbk007 17 күн бұрын
Very nice prentation by very nice people 👏
@aaaaaaaaaa-ui9dj 17 күн бұрын
Very good information
@mudumbaimanwesh7035 8 күн бұрын
what about the taxes id have to pay every month during the swp, wont i be loosing a bit on money . im new to the world of finance so im sorry if this is a stupid question
@Kukugmhg651 17 күн бұрын
Informative 🎉 presentation was smart and funny 😂
@kuppilisuryaPrakash 12 күн бұрын
liked your video, very informative
@selfhelpbadminton 14 күн бұрын
How should we manage our NPS tier 1 portfolio. Which portfolio to choose
@hdkdjd2949 13 күн бұрын
Excellent video
@anishgeorge256 6 күн бұрын
Nicely explained
@Zero1byZerodha 5 күн бұрын
Thank you 🙌
@aum8136 17 күн бұрын
Good to see frustrated Abhishek is back rofl
@chandanahemanth2189 16 күн бұрын
Kindly explain on withdrawa tax in case of SWP
@yashsingalkar9575 17 күн бұрын
Khatta meetha scene😂
@pv8929 16 күн бұрын
When covid hit i stocked up on stocks.. companies like sbi, tata were all peanuts.
@saikoushik1607 17 күн бұрын
Are the sip payments of mutual funds integrated?. I.e would it matter if I do a monthly payment of 5k per month for first 6 months through my bank's mutual fund payment slide and the next month through an external app such as Zerodha/Groww?
@Nsank29 17 күн бұрын
Yes
@AnshuSaketSingh 17 күн бұрын
Or move it to arbitrage fund with STP , you will be average out and get FD return on withdrawal amount
@duderocks6483 15 күн бұрын
Taxation is 10-15% on arbitrage fund upar se, better than FD
@anniyan135 10 күн бұрын
Sir thank u for the explanation 🎉, But jus one DOUBT !! if my mutual fund matures to be a total corpus of 5cr aftr disciplined investment for 30 years, how much taxes should i pay out of this total corpus of 5cr? (Expense Ratio, LTCG, cess, surcharge, income tax slab)?
@TheRiyazAhamad 10 күн бұрын
you guys are best😂
@bornlimitlessagain 17 күн бұрын
Abhishek, is one of the top performing fund , irrespective of Market Crashes 😅😅
@ziasmailbox 17 күн бұрын
Abhishek kar ?
@prafulwaghade4809 16 күн бұрын
Chilla chilla ke sabko buy on dip wali scheme bata de😂😂😂
@rahulsinhapiet 14 күн бұрын
how to do investment of SWP then. What if I invest 50 lacs and market falls by 20%
@gbalaji7975 13 күн бұрын
Thanks for adding subtitles. I m from south side... Can't able to understand hindi Or other languages..
@warri0r2050 15 күн бұрын
And the 'OScar goes to Abhishek & Prateek!
@dhanushbc5396 17 күн бұрын
Selling now might lock in your losses. Markets go up and down, and by staying invested, you have a chance to recover when the market improves. how can this be the right answer , it's impulse decision!
@dineshkomakula3001 16 күн бұрын
Please do video on tax harvesting
@vishalnath8285 17 күн бұрын
What happens to the Exit load and other expenses ?
@Rs-vi6uh 14 күн бұрын
Iske bare me koi baat nhi bol Raha hai. Har baar nikalenge paisa to tax nhi dena padega kya??
@Dattebayo3089 17 күн бұрын
I invested in COVID time in MF. And I got 2.5 returns after 1.5 yrs
@nerellahanmanthu6145 14 күн бұрын
❤
@harshinredzone 17 күн бұрын
I have one question. I started investing in mutual funds without having a goal after my first job. What do you guys in that situation? Which mutual funds should I exit from? Most profitable, most loss making or from all? I hope you get my point.
@atul7173 16 күн бұрын
Don't exit if you don't have any goal associated, consider retirement as your goal
@harshinredzone 16 күн бұрын
@@atul7173 Bhai what about life events? Us time loan lena padega phir.
@atul7173 16 күн бұрын
@@harshinredzone build emergency fund for that. Life events k liye.
@SM-qf4ke 6 күн бұрын
After nine long years only 1lakh is return is waste of time
@ritesh.ar0ra 10 күн бұрын
I stopped watching this video halfway through. Nowadays investors are becoming smarter. Investors are waiting for such market crashes of 50% to bulk buy assets such as stocks, ETFs, Index funds. They are like Black Friday Sale. Those who still panic in market crashes are going to lose money. As long as there is nothing fundamentally wrong with the investments there is no need to panic sell and also to grab such market crash opportunities to bulk buy.
@sudhirkumar-dx6df 17 күн бұрын
Please make it in hindi also
@inspectorIntro 13 күн бұрын
The right answer is “Never”
@user-rn8qb6fx7b 15 күн бұрын
❤❤❤
@contentmania4722 15 күн бұрын
Tax harvesting pr video chahiye
@jishraque 16 күн бұрын
The answer is you don't exit your MF. Think of it as a piece of land that your grand father bought and was passed on to you. Now ask the question when should I sell my land. The answer is the same for both.
@saketarora 17 күн бұрын
Bloopers 😂😂😂
@momo84589 12 күн бұрын
Why is the guy carrying Modiji with him all the time?
@yashpathak9423 17 күн бұрын
First on the video
@ashutosh98able 12 күн бұрын
हिन्दी में भी बनाए तोड़ा बेहतर और बाकी लोगों को भी समझ आएगा.
@Zero1byZerodha Күн бұрын
Hi! Thanks for writing to us! Our team would like to connect with you to discuss this further. Could you please share your contact details on hello@zero1byzerodha.com?
@tirthankarkundu5623 16 күн бұрын
Equity is a zero sum game, you make money if someone else loses it
@thinkingbeings3925 13 күн бұрын
No.... trading is a zero sum game..not equity investment.
@subhransuswain1149 16 күн бұрын
Full total in English....... It would be better if conversation should be in hindi little bit
@rahulj9 14 күн бұрын
Every single thing is awesomely made, just leave abhishek, i mean the acting is just crappy and doesn't really deserve a place in sensible thought process
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