Скачать или смотреть Switching from regular to direct mutual funds

Discover the benefits of transitioning from regular mutual fund plans to direct plans with this insightful video by Vidya Bala (co-founder, PrimeInvestor.in). Based on recent data from SEBI, the mutual fund regulator, it is evident that a significantly higher proportion of funds underperformed their benchmarks under the regular plan compared to the direct plan. The primary reason behind this difference lies in the lower costs associated with direct plans, resulting in higher returns as compounding takes effect.

To guide you through the process, the video explains various methods to switch from regular plans to direct plans. You can conveniently switch directly through the AMC website or opt for online platforms that allow you to move all your folios across multiple mutual fund schemes seamlessly. Alternatively, the traditional offline route of filling a switch form is also available, although it can be time-consuming for portfolios with numerous funds.

The video addresses common concerns and clarifies that switching to direct plans does not involve market timing risks, as the original investment date remains unchanged. It also highlights the tax implications of the switch and provides strategies to minimize the impact, such as stopping SIPs in regular schemes and categorizing funds based on capital gains. Gradually transferring funds and considering the one-year mark for equity funds and three-year mark for debt funds with indexation benefits are also discussed.
Moreover, the video acknowledges that individuals with substantial corpus nearing retirement may benefit from holding onto regular plans while making fresh investments in direct plans. This approach can help manage tax liabilities during the withdrawal phase. Vidya Bala emphasizes the value of reliable platforms like PrimeInvestor for personalized recommendations and staying informed about market trends and rate cycles.

If you've been unaware of the benefits of direct plans or uncertain about how to make the switch, this video is a must-watch. Explore the advantages of direct mutual fund plans to maximize returns and minimize costs.

➗ Mutual Fund Expense Ratios – Direct vs Regular - https://primeinvestor.in/mutual-fund-...

Chapters:
0:00 - Why you should switch to Direct plans of mutual funds
2:43 - How to switch from regular to direct plans of mutual funds
3:52 - Switch as lumpsum or SIP?
4:54 - Tax aspect of switching to direct mutual funds
5:53 - How to plan the switch - tax efficiently?

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PrimeInvestor Financial Research Pvt Ltd (with brand name PrimeInvestor) is an independent research entity offering research services on personal finance products to customers. We are a SEBI registered Research Analyst (Registration: INH200008653). Investment in securities market are subject to market risks. Read all the related documents carefully before investing. Disclosures and Disclaimers - https://primeinvestor.in/disclosures-...