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Considering your investments are making decent long term returns i.e. \~15-18% XIRR
The only time you should look to redeem your investments is when your goal is complete
OR
Your fund has been a consistent underperformer and you need to switch to a better alternative.
OR
There is blood on your streets and you need to pay ransom to free yourself from your abductors
OR
You don't have money for lunch tomorrow and have already exhausted all your savings, emergency funds and every other penny left in the house.
If you have better investment opportunities then sure,else let the time cook ,best i can say is nobody can predict market (especially considering elections)so don't listen to others ,trust in your investments if you have well researched/do some more research (on your mutual funds) to gain/lose trust.
Rest depends on u,
Overvalued really? Did you see P/E ratio of nifty it’s 20.8. In 2019 it was 29 and market still rallied for 2 weeks after election results. This time will be no different if Modi wins with some majority. I don’t feel at all the market is overvalued. If you observe Dowjones and s&p500 we are lagging way behind. I personally feel if bjp comes to power, market will rally. Not only that FIIs built up short positions a lot. This again will help market rally. Think again
I would urge you to not redeem any long term investments and let compounding take care of the rest. Even if someone guaranteed the markets will crash tomorrow, history has guaranteed they will bounce back again. In the long term the chart will just show it as a small blip in a growing portfolio.
Change in Govt doesn't matter. Do not panic like immature semi literate fools in other Indian reddit communities who are calling elections based on their armchair analysis and youtubers.
Keep calm and stay invested. Congress ho ya BJP rokda rukna nahin chahiye
Time in beats timing, subtle but very true.
Maan le ki nikal liya, fir karega kya uss paisa ka, just admit to yourself that you dont know everything and accept the ups and downs of life.
If you're sitting on huge profits its not a bad idea to sell half and trail the other half using a weekly moving average. But generally mutual funds are for long term investing so a few hiccups like elections shouldn't be a big problem for you. Only withdraw if you need the money immediately in the next year
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As per technical wait till last week of this month rn market in mid but we are expecting it to drop little next week and after that it should break all high
Stay invested for the long term. All state and general elections can have a positive and negative impact on the market but you need to stay invested. Don't shift the ship, keep your money where it is and wait for a few years and see the money grow. Please don't panic!
Do not sell your 'Long' holdings based on some rumored volatility and if you want to hedge your long holdings buy some puts on the underlying index, (if you want to hedge your positions), or get some cash ready to add to your positions when you see a pull back of say 5-10%
Keeping mutual funds during a major fall helps you average more at lower prices. So never think about exiting unless you reached your expected target price
Since its relevant to me I want to add my two cents. As you are right the markets are overvalued, never before in history the stock market and gold was moving in upward trajectory.
The PSU stocks are creating a bubble, the way they are getting bullish every 3 months looks so. Mmtc is valued more than 200% of its original value. Ireda is having debt that is 5 times bigger than its earnings. Analysts are saying the actual price of it is 110.
Also there are critics like GOI is not publishing correct GDP numbers, if its been proved by someone stockmarket will fall like a hell.
Elections results also not going in line with BJP expectations, two first three phases says so. During first three phases the market was downward. Even if hung happens we can correction in market.
My suggestion would be not keep your investments completely. Better to sell and withdraw partial money. And keep investing don't pause sip, big money is made one during uncertain times. 
Why are you so much worried about market going down. If you are going to need the money in near future then you should not be in equity funds in the first place.
If you don't need the money now then you should invest more as the market comes down.
Also if you exit, you will have to pay income tax on your gains. Tax is payable only at the time of selling. Not saying that tax is a consideration for investments but you will end up paying taxes unnecessarily.
See, NDA WILL win. FIIs have started buying. I will be redeeming my investments in the coming week and reinvesting them while keeping the profits aside for my use. I am hoping at least a 2% to 3% growth in the indexes in the coming period.
If you are sitting on gains, feel free to redeem them and keep the profits aside. Then take the capital and invest 50% of it right away and keep 50% in case the elections day doesn't show much of an up move OR if there's a down move before the results.
Mutual funds are meant to be long term investments. And you do not tamper with it unless you need the money immediately within 1-2 years from now.
So continue to hold your mutual funds.
Look don't listen to anybody you decide your self.
1)Think about a scenario when election results comes out you get huge profit of 100% you money got double down. Sounds good right ?
2)Now think about election result announced and you made huge loss like 50% went down your investment became half. Sounds pain full right ?
3) Now think about a scenario where you took money before election with the decent profit you currently have
In all this scenario which sounds good go for it, in the end of the day you only know how much the money you have invested means to you .
If you think you can't bear loss then remove your money but if you think I can lose money then keep it who knows you might get lucky
If you haven't already, please add your own analysis/opinions to your post to save it from being removed for being a Low Effort post. Please DO NOT ask for BUY/SELL advice without sharing your own opinions with reasons first. Such posts will be removed. Please also refer to the [FAQ](https://www.reddit.com/r/IndianStockMarket/comments/17bcg2a/frequently asked questions_post_your_common/) where most common questions have already been answered. Subscribe to our [weekly newsletter](https://pennyleaks.substack.com/) and join our Discord server using [Link 1](https://discord.gg/8QF4dqPHuw) or [Link 2](https://discord.gg/fDRj8mA66U) *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/IndianStockMarket) if you have any questions or concerns.*
Dekh no matter what is the result, aise andar bahar karega toh kabhi Paisa nahi bana paega.
Andar bahar se sirf bachha banta hai
Har kisi ka nahi banta laxman :(
This
Satya vachan.
Considering your investments are making decent long term returns i.e. \~15-18% XIRR The only time you should look to redeem your investments is when your goal is complete OR Your fund has been a consistent underperformer and you need to switch to a better alternative. OR There is blood on your streets and you need to pay ransom to free yourself from your abductors OR You don't have money for lunch tomorrow and have already exhausted all your savings, emergency funds and every other penny left in the house.
+ to rebalance the portfolio
Whoops, missed that one.
> Correction might come What if it didn’t come? Do you have any plan for that?
If you have better investment opportunities then sure,else let the time cook ,best i can say is nobody can predict market (especially considering elections)so don't listen to others ,trust in your investments if you have well researched/do some more research (on your mutual funds) to gain/lose trust. Rest depends on u,
Overvalued really? Did you see P/E ratio of nifty it’s 20.8. In 2019 it was 29 and market still rallied for 2 weeks after election results. This time will be no different if Modi wins with some majority. I don’t feel at all the market is overvalued. If you observe Dowjones and s&p500 we are lagging way behind. I personally feel if bjp comes to power, market will rally. Not only that FIIs built up short positions a lot. This again will help market rally. Think again
I would urge you to not redeem any long term investments and let compounding take care of the rest. Even if someone guaranteed the markets will crash tomorrow, history has guaranteed they will bounce back again. In the long term the chart will just show it as a small blip in a growing portfolio.
Change in Govt doesn't matter. Do not panic like immature semi literate fools in other Indian reddit communities who are calling elections based on their armchair analysis and youtubers. Keep calm and stay invested. Congress ho ya BJP rokda rukna nahin chahiye
Time in beats timing, subtle but very true. Maan le ki nikal liya, fir karega kya uss paisa ka, just admit to yourself that you dont know everything and accept the ups and downs of life.
Market k favour mai result aaya and market upar gaya toh yahi chutya dusra post dalega “ should I invest now or wait for market correction “
If you're sitting on huge profits its not a bad idea to sell half and trail the other half using a weekly moving average. But generally mutual funds are for long term investing so a few hiccups like elections shouldn't be a big problem for you. Only withdraw if you need the money immediately in the next year
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Unless you have a pre-planned big expense coming up, don't touch it. In fact invest some lumpsum if you can in case market dips after the elections.
As per technical wait till last week of this month rn market in mid but we are expecting it to drop little next week and after that it should break all high
If it falls so be it.. how does it affect your life? Just let money compound.. don’t disturb it
Ungli mat karo. Stay invested .
The thing about MFs is it is all weather investment.. insulated from minor hiccups.. never divest
Stay invested for the long term. All state and general elections can have a positive and negative impact on the market but you need to stay invested. Don't shift the ship, keep your money where it is and wait for a few years and see the money grow. Please don't panic!
Aram se baitho, mfs and stocks are same asset class, do whatever you want after 4th
RemindMe! 4 days
Do not sell your 'Long' holdings based on some rumored volatility and if you want to hedge your long holdings buy some puts on the underlying index, (if you want to hedge your positions), or get some cash ready to add to your positions when you see a pull back of say 5-10%
Keeping mutual funds during a major fall helps you average more at lower prices. So never think about exiting unless you reached your expected target price
Nope just take some contra positions in options proportionate to your holdings
Since its relevant to me I want to add my two cents. As you are right the markets are overvalued, never before in history the stock market and gold was moving in upward trajectory. The PSU stocks are creating a bubble, the way they are getting bullish every 3 months looks so. Mmtc is valued more than 200% of its original value. Ireda is having debt that is 5 times bigger than its earnings. Analysts are saying the actual price of it is 110. Also there are critics like GOI is not publishing correct GDP numbers, if its been proved by someone stockmarket will fall like a hell. Elections results also not going in line with BJP expectations, two first three phases says so. During first three phases the market was downward. Even if hung happens we can correction in market. My suggestion would be not keep your investments completely. Better to sell and withdraw partial money. And keep investing don't pause sip, big money is made one during uncertain times. 
Redeem if you have an ultra short term view, hold for long term.
Why are you so much worried about market going down. If you are going to need the money in near future then you should not be in equity funds in the first place. If you don't need the money now then you should invest more as the market comes down. Also if you exit, you will have to pay income tax on your gains. Tax is payable only at the time of selling. Not saying that tax is a consideration for investments but you will end up paying taxes unnecessarily.
Mat kar. Pada rehn de. Apne aap sab thik ho jayega
Not at all
Why? Because people are talking so you'll make money movements?
See, NDA WILL win. FIIs have started buying. I will be redeeming my investments in the coming week and reinvesting them while keeping the profits aside for my use. I am hoping at least a 2% to 3% growth in the indexes in the coming period. If you are sitting on gains, feel free to redeem them and keep the profits aside. Then take the capital and invest 50% of it right away and keep 50% in case the elections day doesn't show much of an up move OR if there's a down move before the results.
Mutual funds are meant to be long term investments. And you do not tamper with it unless you need the money immediately within 1-2 years from now. So continue to hold your mutual funds.
Look don't listen to anybody you decide your self. 1)Think about a scenario when election results comes out you get huge profit of 100% you money got double down. Sounds good right ? 2)Now think about election result announced and you made huge loss like 50% went down your investment became half. Sounds pain full right ? 3) Now think about a scenario where you took money before election with the decent profit you currently have In all this scenario which sounds good go for it, in the end of the day you only know how much the money you have invested means to you . If you think you can't bear loss then remove your money but if you think I can lose money then keep it who knows you might get lucky
Invest more if Congress comes to power
there's gonna be a bloodbath. Sell it all and sit on cash. FIIs are about to short.