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Ep-132 #AskMoneyPurse Q&A
Original: EP-132 #ASKMONEYPURSE
Takeaway
Don't pause SIPs at market highs; for 2-3 year goals prefer debt or hybrid funds rather than pure equity.
Summary
- Viewer Q1: 21-year insurance policy paying ₹28 lakh maturity (incl. bonus), 2 years premium paid — host suggests proper return calculation; ELSS likely better than low-yield endowment.
- Viewer Q2 on LTCG: clarifies the ₹1 lakh annual exemption applies per financial year on equity LTCG when units are redeemed, not aggregated across years.
- Q on stopping SIPs in small/mid cap funds at all-time highs: host says don't stop SIPs — that's the wrong instinct at highs.
- Q on 2-3 year horizon fund picks: recommends debt funds, banking & PSU debt, balanced advantage, or aggressive hybrid; cautions against pure equity for such a short timeframe.
- Brief discussion on a 3% commission/agent retail-shareholders offer.
q-and-asipltcg-tax
Original description
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