Talking about index funds, when you put in money into a mutual fund, your time horizon is not three or six months, it is much longer than that and hopefully so. But having said that, while we are all celebrating the markets moving above 10,000 barring the intermittent correction that we have had in the last one month or so, not all equity fund schemes have performed well. There have been a fair share of underperformers as well. What do you do? Do you need to go back to the drawing board ..