If you have 25 funds and of the 25 funds, 22 are good, keep holding them Don't try to reduce it just because I'm saying that you should have four Because most important thing is to have good funds If you have bad funds,
Get rid of underperforming funds and reduce your holdings, but don't reduce just for the sake of it.
It's challenging to predict which fund will perform better over time. Moving forward, avoid adding too many new funds.
Instead, invest more in the best funds you already have. At Value Research, the portfolio manager helps you identify which funds are good, exceptional, bad, or avoidable, allowing you to decide which ones to sell.
Our recommendation is that four funds are sufficient, but if you already have ten good funds, there’s no need to sell just to lower your tax bill.
Only sell when a fund genuinely warrants it—if it's questionable, sell it by all means.