New Delhi, Sept. 8 -- Personal loan: If you are short of funds, your first temptation could be to sell any liquid assets that you have. Some investors invest in term deposits whereas others invest in stocks and mutual funds. So, unlocking your deposit, redeeming your funds, or selling your securities is quite common to raise immediate cash in case of urgent need.

However, what if the market is faring poorly and so is yourportfolio. Selling at this juncture could lead to undoing all the unrealised gains which you have earned in the past. And obviously, you would not want to compromise your financial goals. So what is the answer to this?

One could raise a loan against stocks or funds. These are some of the advantages of raising loans agai...