Value Research Online

Sold a fund at a loss? It could save you tax

Tue, 11 Mar 2025 13:45:45 +0530

A short-term capital loss can reduce taxable LTCG from equity mutual funds. A Rs 50,000 loss on one fund can cut your tax bill by Rs 6,250. Here is exactly how it works.

Should you worry when your fund manager changes?

Wed, 22 Apr 2026 10:00:00 +0530

A fund manager change rarely justifies stopping a SIP. Here is what actually changes when a manager leaves, when to stay put and when to genuinely be concerned.

What happens to my sovereign gold bond at maturity?

Thu, 02 Mar 2023 09:38:25 +0530

SGB maturity proceeds are credited automatically, priced on IBJA's three-day average. Budget 2026 removed the tax-free maturity benefit for secondary market buyers.

Park your emergency fund smarter, not just safer

Mon, 20 Apr 2026 10:00:00 +0530

Looking for safe yet rewarding options for your emergency fund? From savings accounts to liquid funds, here’s how to structure your corpus for liquidity, stability and better returns.

Want Rs 1 crore in 10 years? Here's your roadmap

Wed, 08 Apr 2026 14:00:00 +0530

Want to reach Rs 1 crore in 10 years? Learn how much to invest monthly, the right mutual fund mix and why SIPs and step-up SIPs can help you get there.

Do tax-saving funds' 3-year lock-in apply to each SIP?

Mon, 10 Mar 2025 14:45:11 +0530

Each SIP contribution in an ELSS fund has its own 3-year lock-in period. Learn how withdrawal timelines work and why ELSS remains valuable even under the new tax regime.

What are the best investment options for 3-6 months?

Thu, 15 Jun 2017 03:04:54 +0530

Need funds within the next 3-6 months? This guide provides a list of suitable debt mutual funds where you can park your money for the short term.

The Iran War can wait. Your SIPs cannot.

Fri, 03 Apr 2026 09:00:00 +0530

Worried about investing during geopolitical tensions like the Iran war? Here’s why delaying your SIP could hurt long-term wealth creation more than market volatility.

Is your emergency fund safe enough?

Wed, 01 Apr 2026 13:11:47 +0530

Choosing the right emergency fund is about safety, not returns. Learn why liquid funds work best and which options to avoid during periods of market stress.

Got gold to sell? Here are the new tax rules

Mon, 17 Mar 2025 14:53:30 +0530

Find out whether indexation benefits are still applicable on the sale of gold jewellery, along with taxation on other types of gold investments.

Sold mutual funds on March 31? Here's when you're taxed

Mon, 31 Mar 2025 17:09:17 +0530

Mutual fund capital gains are taxed in the financial year when the redemption is processed and NAV is applied, not when you submit the request. Learn how cut-off timing affects your tax liability.

SWP: Turn your mutual fund into a paycheque

Fri, 27 Mar 2026 13:36:04 +0530

Learn how a systematic withdrawal plan (SWP) provides a steady income, tax efficiency and control over your mutual fund investments, ideal for retirement planning.

No, your SWP won't eat through your retirement savings

Mon, 23 Mar 2026 09:00:00 +0530

An SWP lets you draw a monthly income from your mutual fund corpus without depleting it, as long as the corpus is sized right. Here is the math that shows exactly why.

How to get fixed income right for your retirement?

Wed, 18 Mar 2026 18:50:36 +0530

Not sure whether to pick debt, arbitrage or hybrid funds for retirement? Learn why short-duration debt funds offer the right mix of stability and returns.

Build your safety net with the right funds

Tue, 17 Mar 2026 18:18:00 +0530

Looking to build an emergency fund? Learn which debt funds to choose, how to structure your safety net in layers, and where to park money for liquidity, stability and quick access.

Can a mid-cap fund offer enough large-cap exposure?

Mon, 17 Feb 2025 16:48:52 +0530

Mid-cap funds invest in large caps too, but is that enough? Learn if they can replace a large-cap fund or if you need a different strategy for diversification.

Flexi cap vs large cap: Which is better for the long term?

Wed, 02 Nov 2022 17:12:46 +0530

Let’s learn what should be an ideal choice between large-cap and flexi-cap funds for a long-term investment horizon

How to invest Rs 50 lakh

Mon, 09 Dec 2024 16:07:20 +0530

Investing Rs 50 lakh in a volatile market can be tricky. Learn why staggering your investment through an STP into flexi-cap funds over 18–36 months can reduce timing risk and improve discipline.

Should new equity investors move to debt funds?

Wed, 06 Nov 2024 18:19:09 +0530

Concerned about a market downturn impacting your equity SIPs? Discover how a balanced, long-term strategy can help you navigate volatility without missing growth opportunities.

20% returns, ₹1 lakh a month: Realistic or unreasonable?

Wed, 11 Mar 2026 19:20:38 +0530

Can a Rs 1 crore mutual fund investment deliver 20 per cent returns and Rs 1 lakh monthly income? Here’s why such expectations may be unrealistic.