If a fund has performed poorly, it is time to junk it. Before you do this, check the performance of the category and the overall market. Don’t look only at the short term.
Goals are very near
Equities are inherently volatile, though the blips in the journey are smoothened in the long term. If your goal is just 1-2 years away, you can’t put the corpus at risk. Start systematic transfers from equity funds to debt schemes 1-2 years before the goal date to avoid getting caught on the wrong foot.
