Two of your funds are good, while you can consider a change in the other two. HDFC Equity is an excellent fund, which is now recovering from the lean times it has been facing over the past couple of years. This is a fund you should continue holding because it has a long history of compelling performance. The other fund that has been doing well is Sundaram SMILE. This fund invests only in smaller companies, which do well over a full market cycle. However, such a fund tends to be extremely volatile. You can invest in it if you can stomach the ups and downs that come with it. UTI Dividend Yield hasn't done well because dividend yielding companies haven't done well, particularly the banking stocks. Investing in a dividend yield fund is a good strategy for a long-term investor, but you can consider replacing this fund with a better-performing dividend yield fund. Finally, DSP BlackRock Top 100 is a well-defined large-cap fund that doesn't make sense for a long-term investor. You should ideally be investing in funds that can invest across market capitalisations.