What should I do with 10 yrs old MF investments? Some of the funds are not doing well so switching to another fund is one option and redeeming is another option but I don’t think it is worth redeeming and paying taxes if I don’t need the money. I need advise on how to restructure my portfolio which is around 40Lakhs now.
- Which fund should I switch in the current market? and to which fund should I switch in same fund house?
- Which fund should I redeem because the fund is not doing well for long time?
- With you permission I don’t mind sharing the purchase value and current value of the fund to get proper advise
- List of funds 11 funds (Fund Purchase value 24 lakhs & Current value 49 Lakhs)Aditya Birla SL Dividend Yield Plus(G) 
HDFC Equity Fund(G) [7041520/03]
HDFC Mid-Cap Opportunities Fund(G) [8564967/11]
HDFC Top 200 Fund(G) [7042065/17]
ICICI Pru Focused Bluechip Equity Fund(G) [5360870/87]
ICICI Pru Value Discovery Fund(G) [5360870/87]
IDFC Premier Equity Fund-Reg(G) [1167479/39]
Reliance Diver Power Sector Fund(G) 
Reliance Equity Opportunities Fund(G) 
Reliance Small Cap Fund(G) 
UTI Dividend Yield Fund(G) 
Thanks a lot
I am not sure your financial goals and I am not sure who suggested these many funds to you. As per me, you just need around 3-4 funds. But BLIND suggestion is dangerous to you than me.
Thanks for answering. My ARN suggested the funds to me over a period of time. I got rid of him when I realized that he himself did not have a clue and was only interested in commission. I am switching the existing units to direct fund now. All the SIP are stopped except ICICI Value Discovery DIRECT & ICICI Pru Focused Bluechip Equity Fund DIRECT as of now. And planning to start new SIP in couple of CRISIL top rated equity fund. Would seek your advise on switch/redeem existing funds to better performing funds , preferably without attracting taxes. I posted the details because I want to share the experience with other users so they know how to get out of poorly performing funds.