Mutual Funds Buy / Sell

Generally I tie my investments to a goal. Retirement, children education, vacation, house etc. I would have a target amount and a risk factor associated with it. For retirement I have high risk, since I have time. For kids education I have medium risk. For kids marriage high risk. For emergency fund low risk and so forth. You can derive your goals and then add risk factors for those. Google active fund/passive fund direct vs regular alpha beta sharpe ratio sortino ratio, debt/equity/hybrid/flexi/thematic funds. You should then have sufficient information to take a call.

Ah, typical case of “want to do something” to my investments. XIRR of 30% is quite good! Meanings and all you can simply google. To give one liner - it gives you a rate of return against SIPs made at different points in time.

Have patience and keep growing your money. I would recommend you to read some of the works from Parag Parikh, especially on behavioural finance.

Keep continuing, you are tasting the first blood of compounding. Have patience and hold it.

You should continue to hold, the best thing to do is continue the sip and don’t stop it. Unless you have a need for money then you have to plan selling it in a process, use stp for that. You can use compounding to your advantage and create huge wealth.

I wonder how people spend so many years on education- but can’t take few hours/ days to learn basic finance( personal/ corporate)

I am no one to stop u from asking on open forums.. just a basic advice - Learn on ur own - u will thank urself years later ( the reference is to ur comment on XIRR)