Experts advise against frequent mutual fund portfolio changes based on short-term performance. An investor's midcap and smallcap investments, some only months old, were reviewed. While most schemes are deemed appropriate, a retirement fund's lock-in period warrants careful consideration for flexibility. Thorough research and patience are key to long-term wealth creation, with a minimum two-year timeframe recommended before assessing fund performance.

A financial expert reviews a Rs 43,500 monthly SIP portfolio built for a 20-year horizon and suggests minimal changes. The key recommendation is replacing one active midcap fund…

Experts advise against frequent mutual fund portfolio changes based on short-term performance. An investor's midcap and smallcap investments, some only months old, were reviewed.…