Value Research Online

Rebalancing too often? Watch this.

Sun, 27 Sep 2026 18:15:00 +0530

Ashutosh Gupta on when to rebalance your portfolio between equity and debt, from an 8 to 10 per cent drift to a nearing goal, and why once a year saves tax.

Direct funds. Who watches your mix?

Thu, 24 Sep 2026 18:15:00 +0530

Moving to direct plans need not cost you rebalancing support. Ashutosh Gupta explains how tracking your full asset mix, not just funds, guides when to trim equity.

When is your fund an exit?

Sun, 20 Sep 2026 06:15:00 +0530

Stuck with a fund that has not worked for years? Ashutosh Gupta on how to know when to exit a mutual fund and how to switch to a better one in a single step.

Why Fund Advisor stopped saying 'avoid'

Sun, 20 Sep 2026

Value Research still says avoid new and sectoral funds. But if you already hold them, Fund Advisor now gives a proportion-based call instead of a flat no.

Need money? How to sell smart.

Fri, 18 Sep 2026 17:03:15 +0530

Needing money does not always mean selling. If you must, which fund you sell first decides your tax bill and your balance. A calmer way to choose what goes.

₹1.8 crore, retiring in 2 years. Exit equity?

Thu, 17 Sep 2026 17:46:05 +0530

Two years from retirement and scared of a crash? Whether to cut equity depends on how much you will rely on this corpus for income, not on the market.

Are debt funds taxed as FDs now?

Thu, 10 Sep 2026 18:05:53 +0530

Debt funds and FDs are both taxed at your slab rate, but FD interest is taxed yearly while debt fund gains are taxed only on sale. Why the deferral matters.

A fund is marked for exit. Sell all at once or gradually?

Thu, 27 Aug 2026 18:15:00 +0530

Got an exit recommendation on a mutual fund? Here’s when to sell all at once and when your investment’s age, tax bill or money needs justify waiting.

Switch to Direct, or stay put? We do the maths

Wed, 26 Aug 2026 10:46:53 +0530

Switching from regular to direct mutual funds can trigger capital gains tax, but staying may cost you more through higher fees. Here’s how to weigh the trade-off.

Retiring soon and in the top slab. Switch to direct or wait?

Tue, 25 Aug 2026 14:10:16 +0530

Retiring in four years and in the highest tax slab? For debt funds, waiting to switch from regular to direct plans after retirement may reduce your tax bill.

Should I move my Rs 1.2 crore portfolio to a PMS?

Mon, 24 Aug 2026 16:35:26 +0530

Have Rs 1.2 crore to invest? A PMS may sound like an upgrade, but its tax inefficiency, model portfolios and weaker transparency make mutual funds a better choice.

Switch mutual funds and lose compounding?

Tue, 18 Aug 2026 09:54:06 +0530

Switching mutual funds can trigger tax and interrupt compounding. Find out when moving to a better fund is worth the cost and when you should stay put.

International funds are blocked. Any other way abroad?

Tue, 11 Aug 2026 12:20:53 +0530

International mutual funds are largely closed to fresh investments. Here are the alternatives, including GIFT City, LRS and international ETFs and their risks.

My PPFAS Flexi Cap has stalled. Should I exit?

Mon, 03 Aug 2026 16:37:53 +0530

Parag Parikh Flexi Cap Fund has lagged since late 2024. Here's why its size isn't necessarily a reason to exit and what long-term investors should do.

Too many funds? Don't sell in a hurry

Mon, 20 Jul 2026 12:37:53 +0530

Selling good funds to shorten your list costs 12.5 per cent in tax for nothing. Here is when consolidation makes sense and how to decide which fund to redeem first.

Portfolio Manager shows issues; Fund Advisor fixes them

Mon, 20 Jul 2026

A yearly review surfaces drift, overlap and laggards but leaves the decisions to you. Here is how Portfolio Manager and Fund Advisor together close that gap completely.

Untangle 50 funds without the tax bill

Sat, 20 Jun 2026

After 25 years of chasing top performers, one investor owns 50 funds. The fix costs nothing and triggers no tax. Here is how to consolidate without a painful tax bill.

The recovery that won't look like the last three

Fri, 22 May 2026 17:04:50 +0530

Past crashes hurt sentiment. This one may hurt earnings for years. Dhirendra Kumar addresses what investors should actually change and what to leave alone on May 30.

Why we built it this way

Wed, 20 May 2026

PMS adds cost, triggers tax on every rebalance and rewards manager activity over patience. Here is why the structure works against you and what a flat-fee alternative looks like.

The 4.5 per cent problem with your portfolio

Wed, 22 Apr 2026 12:48:38 +0530

India is 4.5 per cent of global equity. The tax gap with domestic funds is now gone. Here is why 15 to 20 per cent in international funds makes sense for most Indian investors.