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Redeeming Mutual Funds vs Taking a Loan Against Them: What Makes More Sense?
Loan Against Mutual Funds can help investors avoid tax impact and loss of compounding compared to redeeming mutual fund investments for cash needs.
Redeeming mutual funds for short-term needs can interrupt long term wealth creation and trigger capital gains tax. Loan Against Mutual Funds offers an alternative by providing liquidity while keeping investments intact. Instead of selling units, investors temporarily pledge them, maintaining exposure to market growth. This approach is especially useful during market downturns when selling could lock in losses. Apply Now