i have DSP flexi cap fund regular plan 2862 units at 69.88 is now 68.02. plz advise.

Ans: You have just provided the AMC name and not the actual fund name. Hence, it is not possible to suggest anything without knowing the fund/scheme name.

Ans: Hello Kalyan,

If the recent price increase in the Nippon India Vision Fund has significantly altered your asset allocation or if you're uncomfortable with the level of risk, consider selling some units to rebalance your portfolio.

If the fund's performance aligns with your financial goals, risk tolerance, and investment objectives, and you have a long-term investment horizon, holding onto the units may be appropriate.

Regularly review your investment portfolio and make adjustments as needed to stay on track with your financial goals and risk management strategy.

However, please note that this is general guidance, and it's essential to consult with a SEBI registered investment advisor who can provide personalized advice tailored to your specific financial situation, goals, and risk profile.

Ans: hold

Ans: When faced with underperforming investments like UTI Flexicap Fund, it's essential to evaluate your options carefully. Here are some steps you can consider:

Review Performance: Assess the fund's performance objectively over different time periods and compare it with its benchmark and peer funds. Look for consistent underperformance or temporary setbacks.
Understand Reasons for Underperformance: Research and understand the reasons behind the fund's underperformance. Is it due to changes in fund management, investment strategy, market conditions, or specific sectoral exposures?
Reassess Investment Thesis: Revisit your original investment thesis for choosing UTI Flexicap Fund. Does it still align with your financial goals, risk tolerance, and investment horizon? Consider whether the fund's underperformance is a temporary setback or a fundamental issue.
Seek Professional Advice: Consult with a Certified Financial Planner or investment advisor for personalized guidance. They can provide insights into whether it's prudent to hold onto the investment, reallocate funds to better-performing options, or exit the investment altogether.
Consider Portfolio Diversification: If UTI Flexicap Fund no longer fits your investment strategy, explore reallocating your investment to other funds or asset classes that better align with your goals and risk profile.
Patience vs. Action: Determine whether you're willing to wait for the fund's performance to improve or if you prefer to take proactive steps to address the underperformance.
Ultimately, the decision to withdraw or wait depends on your individual circumstances, investment objectives, and risk tolerance. It's essential to make informed decisions based on thorough research and professional advice.

Ans: Hello and thanks for writing to me. It is good that you have the discipline to start and continue your SIP 7 years, thru multiple market cycles.

Please state your objectives, risk appetite for me to make a recommendation.