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  • Mutual fund secrets: How to minimize risk and maximize returns

Mutual fund secrets: How to minimize risk and maximize returns

Investors are currently apprehensive about the stock market. This article discusses strategies for switching mutual funds to minimize risk and maximize returns.

Ajay Joseph | Published : Feb 18 2025, 04:06 PM
1 Min read
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Consider these factors before investing in this situation.

Consider these factors before investing in this situation.

Those who have already invested in mutual funds should be aware of investment flexibility. Many investors have the option to switch mutual funds.

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Changing funds frequently isn't always the right move.

Changing funds frequently isn't always the right move.

This depends on investment needs, fund performance, and market conditions. This switch can occur within the same or different fund houses.

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Some investors adopt other strategies.

Some investors adopt other strategies.

Switch from regular to direct plans to avoid commissions and improve returns. If equity funds grow too much and investors seek safety, they can switch to debt funds.

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For higher returns, consider switching to equity funds.

For higher returns, consider switching to equity funds.

Investors seeking higher returns can move from low-risk to equity funds. Investors can switch if a fund manager changes and they dislike the new strategy.

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Exit loads are a factor to consider.

Exit loads are a factor to consider.

Some mutual funds charge up to 1% exit load if investors leave early, plus taxes. Holding equity funds for under a year incurs a 15% short-term capital gains tax.

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10% tax on long-term gains over 1 lakh after 1 year.

10% tax on long-term gains over 1 lakh after 1 year.

After one year, a 10% tax applies to long-term capital gains exceeding 1 lakh. Switch if a new fund offers lower costs and better returns, or if a fund manager change leads to undesirable strategies.

Ajay Joseph
About the Author
Ajay Joseph
With over eight years of journalistic experience, Ajay Joseph Raj. P has been a dedicated member of the Asianet Newsable team, where he serves as the Chief Copy Editor. His expertise spans Business, Career, Stock Market, National, International, and viral/trending topics, with a knack for crafting compelling narratives that connect with diverse audiences. Before joining Asianet Newsable, Ajay honed his skills at OneIndia News and Opoyi English, gaining extensive experience in delivering impactful stories across various beats. Read More...
 
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