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You can book the loss now, and equities being long term investments, you can again buy the same stocks or mutual fund units. In the process, the loss you are booking can be used for tax planning by setting it off against capital gains from some other asset such as equity shares (if in profits) or other asset class like debt mutual funds or real estate. Even if you do not have capital gains in this year to set it off, you can carry forward the losses for eight years and adjust profits in subsequent years..

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It’s a habit I had since kindergarten at least. I was able to kick it for a while by smoking cigarettes, but I’ve gone to pretty much full time pen sucking since about 1986. I haven’t heard any public health officials recommend pen suckers to take up smoking, but at least the cigarettes come out of the pack clean, unlike the spitty pen that now on my desk..

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