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Summary: A subscriber spent 25 years doing almost everything right with his SIPs and ended up owning more than 50 funds. Now he wants to tidy up, but the obvious fix comes with a tax bill he never bargained for. So what should he actually do?
Summary: A subscriber spent 25 years doing almost everything right with his SIPs and ended up owning more than 50 funds. Now he wants to tidy up, but the obvious fix comes with a tax bill he never bargained for. So what should he actually do? A subscriber wrote in this week. Nearly 25 years of regular SIPs. He did almost everything right. He has one regret. Every year or so, when a fund outperformed the ones he was buying, he directed his SIP toward the new winner, without touching what he had already accumulated. He never sold. He only redirected. Twenty-five years of doing this, and he owns over 50 funds. The obvious tidy-up, selling the clutter and folding it into a handful of good schemes, would land him with a tax bill he did not bargain for. What, he asked, should he do? Many of you will recognise the question. The first thing to say is that the number 50 is a dis
This article was originally published on June 15, 2026.
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