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At the last Fund Advisor Live on August 29, Gautam asked whether to switch from a Regular plan to a Direct plan in one go, or spread it across two financial years to use the capital gains exemption twice. The short answer: spread it if the money that would wait is small; move it all if it is large. The line sits near Rs 17 lakh. First, a confession. In June and July, I told you to clean up a cluttered portfolio a slice at a time, across two or three Aprils. At that session, Ashutosh told you to switch in one go. Both are right. They apply to different amounts. Spreading a sale saves a fixed amount. Waiting costs more as the amount you leave behind grows. The saving first. Long-term gains o
This article was originally published on September 21, 2026.
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