Losing money in mutual funds can be stressful, but it doesn’t always mean you need to exit. Here are nine smart steps to take—and how EzyMoneyDeals can guide you through each one.
- Stay Calm – Don’t Panic Sell
Why: Panic-selling during market dips can lock in temporary losses and destroy long-term wealth.
EzyMoneyDeals Support:
- Provides market commentary and expert updates to keep your emotions in check.
- Sends push notifications to avoid knee-jerk reactions.
- Revisit Your Investment Goals
Why: Short-term losses don’t matter if your goals are long-term.
EzyMoneyDeals Support:
- Allows you to tag investments to specific goals like retirement, home buying, or education.
- Tracks goal progress even during market dips to maintain clarity.
- Evaluate the Overall Market Situation
Why: Sometimes it’s not your fund—it’s the entire market correcting.
EzyMoneyDeals Support:
- Offers live market insights, news alerts, and sentiment analysis.
- Helps differentiate between systematic risk (market-wide) and fund-specific risk.
- Review the Specific Mutual Fund’s Performance
Why: If your fund is underperforming consistently (vs. its benchmark or peers), it might be time to switch.
EzyMoneyDeals Support:
- Offers side-by-side comparisons with similar funds.
- Highlights persistent underperformance or management changes.
- Rebalance Your Portfolio
Why: Losses in one area may mean your asset allocation is off-balance.
EzyMoneyDeals Support:
- Tracks your ideal vs. current asset mix.
- Recommends rebalancing actions automatically.
- Continue or Increase SIPs to Average Down
Why: Buying during market lows reduces your average cost per unit (Rupee Cost Averaging).
EzyMoneyDeals Support:
- Makes it easy to increase SIP amounts or do one-time top-ups.
- Offers SIP booster features to invest more during dips.
- Check Fund Manager Strategy & Holdings
Why: A good fund might be temporarily down due to short-term sector exposure or strategic bets.
EzyMoneyDeals Support:
- Provides portfolio holdings and strategy breakdowns of each fund.
- Alerts you if there’s a change in fund manager or style.
- Reassess Your Risk Profile
Why: If losses are causing anxiety, you may be overexposed to riskier assets.
EzyMoneyDeals Support:
- Offers a quick risk profile assessment tool.
- Adjusts portfolio recommendations accordingly.
- Consult an Investment Advisor
Why: Professional advice can provide clarity and customized strategy during uncertain times.
EzyMoneyDeals Support:
- Gives you access to SEBI-registered advisors.
- Offers 1-on-1 portfolio reviews to guide you on hold, switch, or exit decisions.
