At Manifest Investments, we believe good financial guidance should feel simple, personal, and stress-free. We recommend investments based on your suitability, helping you achieve your financial goals and turn your dreams into a secure future
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Systematic Withdrawal Plan (SWP):
An SWP allows you to withdraw a fixed amount from your mutual fund investment at regular intervals—monthly, quarterly, half-yearly, or annually. It is a good option for those who need a steady flow of income from their investments.
Who should use an SWP?
Ans: Rebalancing means adjusting your investments to maintain your original asset mix (e.g., 60% equity, 30% debt, 10% gold). Over time, market changes can skew this. You can rebalance:
TAX LOSS Harvesting
Tax loss harvesting is when you sell investments that have lost value in order to reduce the taxes you pay on profits from other investments. By selling these losing investments, you can lower the amount of income that's taxed, which might help you save money on taxes.
TAX GAIN Harvesting
Tax-gain harvesting is the reverse of tax-loss harvesting. Instead of selling at a loss to cut taxable gains, you sell at a gain to capture profits at a favourable capital-gains rate. The proceeds are then reinvested—often in the same or similar securities—so overall market exposure stays largely unchanged, but with a higher, “stepped-up” cost basis.
When It Is Used
It is commonly used when:
Ans: Asset allocation means dividing your investments across different asset classes—like equity, debt, gold, and real estate—based on your financial goals, risk appetite, and time horizon. For example, balanced portfolio might look like:
Adjustments are made as per age, risk profile, and tax planning.
Diversification, on the other hand, means spreading your investments within each asset class—for example, buying shares of companies from different sectors to reduce the impact of one company’s poor performance.
In short:
Both strategies work together to reduce risk and improve long-term returns.
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