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Most investors don't plan to clutter their portfolios — it just happens. Over time, new opportunities get added, old favourites linger, and before long, you're tracking a dozen schemes doing more or less the same thing. This rarely leads to better outcomes. Instead, it often means lower returns, greater confusion and a constant temptation to tinker. One question we often hear is: "How do I prune the excess funds in my portfolio without hurting my returns?" The short answer: Most of us hold more schemes than we need — but cleaning up must be done thoughtfully. Why fewer funds usually serve you better The numbers speak for themselves. Mutual fund assets have now ballooned to Rs 65.7 trillion, and folio counts have crossed 23 crore &mdash
This article was originally published on April 28, 2025.
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