I am holding these MFs from last few years with start date of SIP as mentioned below. Kindly advice whether to hold or exit any funds

MF Name	Current Value	Market VALUE	Return	Start Date
Aditya Birla Sun Life Frontline Equity Fund - Growth	135000	174000	29.27%	Sep-17
HDFC Hybrid Equity Fund - Growth	62000	74000	20%	Jan-18
Kotak Standard Multicap Fund - Regular Plan - Growth	48000	58000	22%	Jan-18
Mirae Asset Emerging Bluechip Fund - Regular Plan - Growth	82472	117258	42%	Sep-16
Motilal Oswal Multicap 35 Fund - Regular Plan - Growth	69000	77000	11%	Jun-17

Ans: You may continue the 4-star rated funds; others can be reconsidered

Large Caps: 

• LIC MF Large Cap Fund - Growth
• Mirae Asset Large Cap Fund – Growth

Large and Midcaps: 

• Axis Growth Opportunities Fund – Growth
• Tata Large And Midcap Fund - Growth

Aggressive Hybrid Funds: 

• Mahindra Hybrid Equity Nivesh Yojana – Growth
• Axis Equity Hybrid Fund - Growth 

Ans: Hello Garg pankaj kumar. My recommendation would be to switch to better schemes of the same AMC for ICICI & UTI.

ITI & MAHINDRA MANULIFE should be redeemed and reinvested in better schemes of different AMCs.

Ans: Please hold as of now, however, slowly and steadily please reduce the number of funds to 4 – 6 funds.

Ans: Firstly, it's truly heartening to see your commitment to investing and the returns you've achieved reflect that dedication. You've navigated various market conditions, showcasing resilience and an ability to adapt, which is commendable.

Looking at your portfolio, you've embraced a mix of multi-cap, focused equity, small-cap, and blue-chip funds. Each has its unique characteristics and serves a purpose in a diversified portfolio.

As for your future actions, it's essential to reflect on your investment goals. Are you investing for a specific milestone or a long-term horizon? The returns you've achieved are commendable, but what's the story behind these numbers? Understanding the 'why' behind your investments can guide your future decisions.

For your existing funds, consider reviewing their performance against benchmarks and their alignment with your goals. For new investments, ponder on whether they align with your strategy or introduce a new dimension to your portfolio.

In this journey of financial growth, it's not just about numbers but also about aligning your investments with your aspirations and values. A Certified Financial Planner can provide a holistic perspective, ensuring your investments resonate with your life's broader narrative.