When to Exit Your Mutual Fund Investment? | Money Psychology

If you're an investor who does a lot of research before picking stocks or mutual funds for your portfolio, you've probably counted on the magic of compounding over the long term. But, can you accurately predict when to exit your mutual funds? The answer is yes!
There are tons of videos out there about how to buy the best mutual funds for your portfolio, but very few talk about when to sell them. The truth is, you can only truly benefit from compounding if you know the right time to sell your mutual funds.
In this video, we'll cover the good and bad reasons people sell their mutual funds and talk about SWP (Systematic Withdrawal Plan) and its usefulness in goal based investing. Also, check out the resources below.
Do show us your love in the comments below!
Happy Watching :)
0:00 - Let’s begin
1:38 - Good & bad reasons for which people sell their mutual funds
8:09 - Why should you withdraw your mutual funds in installments?
11:17 - SWP Calculator
12:19 - Zero1 Mission
13:58 - Bloopers!
📚 Resources
Zero1 Mission : docs.google.com/forms/d/1X4vT...
How does SWP help avoid market timing risks? - docs.google.com/document/d/1K...
Managing Long-Term Goals with SWP - docs.google.com/document/d/1J...

[@lion14fire]

You can exit equity and move them to debt when goal is nearing and finally remove debt completely

[@sud2954]

And give tax 2 times😂

[@ben4wisdom]

​@@sud2954 For shorter periods like 1 year in debt funds the tax is negligible. Your main corpus is intact and that is what matters.

[@Thepunemh12]

Not everyone is as disciplined as you. That's the whole point.

[@kwondo_22_mars]

​@@Thepunemh12 if not don't do it. If it's essential it's your laziness is killing you.

[@KPS_04]

​@@sud2954 Far better than losing sleep over an unexpected market fall when you are close to reaching your goal

[@Archaeopteryx92]

Do the opposite when ever market falls. Invest even more (with long term intention ofcourse). Every fall is an opportunity cause its always momentary and things will eventully grow in future. Long term is the key.

[@vijayjangid8967]

TRUE! I did this in Yes Bank's stock price drop

[@08pkz]

Informative video, loved the way how missions are overlayed on the tool. Questions inside the mission were really well made, enjoyed answering them. Scored 50/60! Thanks for the effort team, great work! 👍

[@digantoxetcar5110]

Amazing video as always, really love the fact that you guys talked about panic selling and systematic withdrawals!

[@klass5331]

Thanks for sharing this video on when to exit mutual fund investments! Knowing the right time to make a move can make a big difference in our financial journey. It's all about balancing goals, performance, and fees. Great insights to consider before making any decisions!

[@aravindhphani1689]

You’re way of easy explaining and the animations and yor comedy in btw was literally fantastic 🎉

[@manushnandan7440]

I really enjoyed this video, Love it 💗

[@Deb-fd5km]

mich needed video, answers a lot of my doubts

[@amritbhowmick8310]

Content is good but editing is next level. Your video editor is one of the best it seems

[@Zero1byZerodha]

❤️❤️

[@Odia_bhaina]

If no one withdraws in a dip,there won't be a dip

[@ben4wisdom]

if everybody was smart, stock market system would collapse ;) One makes money when the other loses. This is how it works.

[@imran4006]

Pledging of Shares for Options trading must be banned because they use your pledged shares for Options buying and make the shares to fall.

[@Odia_bhaina]

@@ben4wisdom not necessarily. Everyone's salary increases 5 percent every year. So market should go up by 5 percent every year without anyones loss. Not necessary that it happens.

[@ppsaha1994]

​@@Odia_bhaina the majority of Indian population don't get hike every year. It's a very very tiny percentage. The sarkaari naukri people and IT crowd only. Other streams don't get fixed hikes or hikes at all every year.

[@Odia_bhaina]

@@ppsaha1994 price increases every year. If chai costs 7 rs instead of 5 rs, some part of that price hike goes to the chai wala as well. He doesn't participate in the stock market directly but you get my point u hope.

[@guythomas4335]

Awesome 👍 keep it up guys. You're doing excellent work here. Thanks

[@avigyanmitraofficial]

Appreciate the storytelling 🎉🎉

[@SiddhanthRoyal]

quality content :chef's kiss:

[@aaaaaaaaaa-ui9dj]

Very good information

[@aniruddhaboro9290]

Excellent Presentation 🔥

[@mudumbaimanwesh7035]

what about the taxes id have to pay every month during the swp, wont i be loosing a bit on money . im new to the world of finance so im sorry if this is a stupid question

[@track0123456789]

Never exits, always rebalance them.. what is learnt till date.

[@jishnu18]

say that to a japanese investor from 90s

[@track0123456789]

learn from the past. Talk to you in 20years.

[@Hehebroty]

@@jishnu18why compare to Japanese ? Weird logic and equally bad comment

[@ytuser1932]

​@@jishnu18please stop now this excuse think new excuses india is developing country ❤❤❤❤

[@chandrashekarbk007]

Very nice prentation by very nice people 👏

[@SuperMario1111]

Thank you ❤🎉

[@Kukugmhg651]

Informative 🎉 presentation was smart and funny 😂

[@Bishman1]

Hi, can you make a video on international funds? I heard that the Japanese market has been in a bear trend for three decades. How did the index funds and other funds perform during that period?

[@hdkdjd2949]

Excellent video

[@anirbannanda4444]

Instead of taking it out slowly why can't I just stop investing whatever I was going to invest and put it in a recurring deposit? Planned expenses should always be done with planned savings in RD, not taking out from MF.

[@ben4wisdom]

If you have invested in MF for some goal, you will need to take it out when that goal approaches. We are discussing about how to do it systematically. Ideally for long term goals you should start withdrawing or moving to debt funds 2-3 years before the actual goal deadline.

[@anirbannanda4444]

@@ben4wisdom understood.

[@selfhelpbadminton]

How should we manage our NPS tier 1 portfolio. Which portfolio to choose

[@kuppilisuryaPrakash]

liked your video, very informative

[@MoloysLifestyle]

It was really helpful for me. I learnt a new lesson

[@SuperMario1111]

Awesome ❤🎉

[@ShivaPrasad-nm7zp]

When the goal is near, reduce or stop your SIP's. Start withdrawing through SWP's over a period of 1 to 3 years. Larger the corpus , longer should be the duration of with drawal. You also get to save taxes by utilising exemption of upto one lakh on long term capital gains ( on Equity funds of course) Park your withdrawn funds in a safe debt instrument such as RD, Liquid fund or Short term debt fund till final withdrawal.

[@KoiladaPavan]

Won’t the tax is applicable if I withdraw funds from MF to move them to liquid or debt funds? And again tax when I withdraw from debt funda

[@TheRiyazAhamad]

you guys are best😂

[@chandanahemanth2189]

Kindly explain on withdrawa tax in case of SWP

[@yashsingalkar9575]

Khatta meetha scene😂

[@anniyan135]

Sir thank u for the explanation 🎉, But jus one DOUBT !! if my mutual fund matures to be a total corpus of 5cr aftr disciplined investment for 30 years, how much taxes should i pay out of this total corpus of 5cr? (Expense Ratio, LTCG, cess, surcharge, income tax slab)?

[@aum8136]

Good to see frustrated Abhishek is back rofl

[@anishgeorge256]

Nicely explained

[@Zero1byZerodha]

Thank you 🙌

[@saikoushik1607]

Are the sip payments of mutual funds integrated?. I.e would it matter if I do a monthly payment of 5k per month for first 6 months through my bank's mutual fund payment slide and the next month through an external app such as Zerodha/Groww?

[@Nsank29]

Yes

[@AnshuSaketSingh]

Or move it to arbitrage fund with STP , you will be average out and get FD return on withdrawal amount

[@duderocks6483]

Taxation is 10-15% on arbitrage fund upar se, better than FD

[@gbalaji7975]

Thanks for adding subtitles. I m from south side... Can't able to understand hindi Or other languages..

[@rahulsinhapiet]

how to do investment of SWP then. What if I invest 50 lacs and market falls by 20%

[@dawanegi420]

I think our SWP amount should be less than the return percentage so that the remaining fund can grow in that basic time period. For example : i had 50lakh in my mutual fund or index fund or any other funds…and it is growing on average @15% per year so suppose if i have a SWP of 4% which means 2lakh/12= 16,666…. I can withdraw 16000 per month and still my portfolio keep growing despite withdrawal…. It’s a good idea ? 😅

[@vishalnath8285]

What happens to the Exit load and other expenses ?

[@Rs-vi6uh]

Iske bare me koi baat nhi bol Raha hai. Har baar nikalenge paisa to tax nhi dena padega kya??

[@prafulwaghade4809]

Chilla chilla ke sabko buy on dip wali scheme bata de😂😂😂

[@pv8929]

When covid hit i stocked up on stocks.. companies like sbi, tata were all peanuts.

[@bornlimitlessagain]

Abhishek, is one of the top performing fund , irrespective of Market Crashes 😅😅

[@ziasmailbox]

Abhishek kar ?

[@Ssharma1200]

Please tell about taxation on mutual funds according to the new tax regime.

[@harshinredzone]

I have one question. I started investing in mutual funds without having a goal after my first job. What do you guys in that situation? Which mutual funds should I exit from? Most profitable, most loss making or from all? I hope you get my point.

[@atul7173]

Don't exit if you don't have any goal associated, consider retirement as your goal

[@harshinredzone]

@@atul7173 Bhai what about life events? Us time loan lena padega phir.

[@atul7173]

@@harshinredzone build emergency fund for that. Life events k liye.

[@dineshkomakula3001]

Please do video on tax harvesting

[@dhanushbc5396]

Selling now might lock in your losses. Markets go up and down, and by staying invested, you have a chance to recover when the market improves. how can this be the right answer , it's impulse decision!

[@warri0r2050]

And the 'OScar goes to Abhishek & Prateek!

[@sanketsinha2152]

Why bride’s T-shirt said D SQUAD

[@Dattebayo3089]

I invested in COVID time in MF. And I got 2.5 returns after 1.5 yrs

[@nerellahanmanthu6145]

❤

[@contentmania4722]

Tax harvesting pr video chahiye

[@sudhirkumar-dx6df]

Please make it in hindi also

[@user-rn8qb6fx7b]

❤❤❤

[@inspectorIntro]

The right answer is “Never”

[@SM-qf4ke]

After nine long years only 1lakh is return is waste of time

[@ritesh.ar0ra]

I stopped watching this video halfway through. Nowadays investors are becoming smarter. Investors are waiting for such market crashes of 50% to bulk buy assets such as stocks, ETFs, Index funds. They are like Black Friday Sale. Those who still panic in market crashes are going to lose money. As long as there is nothing fundamentally wrong with the investments there is no need to panic sell and also to grab such market crash opportunities to bulk buy.

[@yashpathak9423]

First on the video

[@jishraque]

The answer is you don't exit your MF. Think of it as a piece of land that your grand father bought and was passed on to you. Now ask the question when should I sell my land. The answer is the same for both.

[@saketarora]

Bloopers 😂😂😂

[@momo84589]

Why is the guy carrying Modiji with him all the time?

[@bhupendra_ayer]

1 lakh return 1 mahine mein bana du

[@ashutosh98able]

हिन्दी में भी बनाए तोड़ा बेहतर और बाकी लोगों को भी समझ आएगा.

[@Zero1byZerodha]

Hi! Thanks for writing to us! Our team would like to connect with you to discuss this further. Could you please share your contact details on [e-mail]?

[@tirthankarkundu5623]

Equity is a zero sum game, you make money if someone else loses it

[@thinkingbeings3925]

No.... trading is a zero sum game..not equity investment.

[@rahulj9]

Every single thing is awesomely made, just leave abhishek, i mean the acting is just crappy and doesn't really deserve a place in sensible thought process

[@subhransuswain1149]

Full total in English....... It would be better if conversation should be in hindi little bit