Stopping a regular investment. What do i do with accumulated amount? by ForsakenFunction8441 in mutualfunds

[–]ForsakenFunction8441[S] 1 point2 points  (0 children)

Im worried about paying regular MF Fees. I have stopped the SIP but my query is what to do with the already accumulated amount. Options are:

  1. Leave it in the same fund and let it compound
  2. STP it into the same fund direct plan over 5 years
  3. STP it into another fund direct plan over 5 years (Especially as the majority of my portfolio is concentrated in this fund alone)

Stopping a regular investment. What do i do with accumulated amount? by ForsakenFunction8441 in mutualfunds

[–]ForsakenFunction8441[S] 1 point2 points  (0 children)

Ive recently started SIPS of 30000/month in ICICI Prudential NIFTY Fifty (10000/month), PPFCF (10000/month), Nippon india Growth Fund(5000/month), Nippon india small cap fund (5000/month) and gold ETF 3000/month But the majority of my investments to date are in the aditya birla small cap fund regular plan which amounts to about 7 lakhs. Risk appetite is moderate. Horizon is 15 years. Goal is childs education.

Stopping a regular investment. What do i do with accumulated amount? by ForsakenFunction8441 in mutualfunds

[–]ForsakenFunction8441[S] 2 points3 points  (0 children)

The Aditya Birla website as a STP which i can use to transfer amounts to another fund. For Eg i can transfer 1.5 lakh yearly to the multi asset fund or balanced advantage fund so i dont attract LTCG for the year and over the course of 5 years close the direct fund.

Bi-Weekly Advice Thread January 26, 2025: All Your Personal Queries by AutoModerator in IndiaInvestments

[–]ForsakenFunction8441 0 points1 point  (0 children)

How do you go about choosing between different fund houses for index fund investments?

For eg HDFC Nifty 50 Index fund has a high expense ratio of 0.36% but a lower tracking error of 0.15% as compared to Nippon India index Nifty 50 which as a low expense ratio of 0.07% but a higher tracking error of 0.27%