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16h agoLAMF vs. Redemption: Which Is Better?
For short-term liquidity, pledging units via a Loan Against Mutual Funds can preserve compounding while unlocking cash. Redemption forfeits future growth and may trigger capital-gains tax per category/holding period. LAMF typically offers 50–80% loan-to-value and about 9–12% annual interest; meanwhile, invested units can continue earning market-linked returns (not guaranteed). Early redemptions may attract 0.5–1% exit loads. Choose redemption for permanent cash needs, deleveraging, or bearish outlooks. Prefer LAMF for emergencies, bridge funding, or tactically avoiding taxable sales during bull phases.
neutral
16h agoLAMF vs. Redemption: Which Is Better?
For short-term liquidity, pledging units via a Loan Against Mutual Funds can preserve compounding while unlocking cash. Redemption forfeits future growth and may trigger capital-gains tax per category/holding period. LAMF typically offers 50–80% loan-to-value and about 9–12% annual interest; meanwhile, invested units can continue earning market-linked returns (not guaranteed). Early redemptions may attract 0.5–1% exit loads. Choose redemption for permanent cash needs, deleveraging, or bearish outlooks. Prefer LAMF for emergencies, bridge funding, or tactically avoiding taxable sales during bull phases.
neutral
LAMF vs. Redemption: Which Is Better?
about 17 hours ago
1 min read
80 words
Use redemption for permanent needs, deleveraging, or bearish views; choose LAMF for temporary liquidity, preserving compounding, and potentially lower after-tax costs versus selling units.
For short-term liquidity, pledging units via a Loan Against Mutual Funds can preserve compounding while unlocking cash. Redemption forfeits future growth and may trigger capital-gains tax per category/holding period. LAMF typically offers 50–80% loan-to-value and about 9–12% annual interest; meanwhile, invested units can continue earning market-linked returns (not guaranteed). Early redemptions may attract 0.5–1% exit loads. Choose redemption for permanent cash needs, deleveraging, or bearish outlooks. Prefer LAMF for emergencies, bridge funding, or tactically avoiding taxable sales during bull phases.
For short-term liquidity, pledging units via a Loan Against Mutual Funds can preserve compounding while unlocking cash. Redemption forfeits future growth and may trigger capital-gains tax per category/holding period. LAMF typically offers 50–80% loan-to-value and about 9–12% annual interest; meanwhile, invested units can continue earning market-linked returns (not guaranteed). Early redemptions may attract 0.5–1% exit loads. Choose redemption for permanent cash needs, deleveraging, or bearish outlooks. Prefer LAMF for emergencies, bridge funding, or tactically avoiding taxable sales during bull phases.
Tags:
mutual_funds
LAMF
mutual_funds
LAMF
redemption
NAV
loans
Source:
Oct 23, 2025 • 11:50 IST