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What can I do about lower than expected returns?

Dhirendra Kumar addresses a commonly faced issue in a systematic manner

I have been investing in 10 mutual funds for the past 8-9 months. The returns have been around 10-15%, which is lesser than what I had expected (20-25%). Are the funds good enough or shall I make some changes in my portfolio?
- Sanjeev, Gurugram

 

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