Your Mutual Fund portfolio is good for the long term if it meets the following FOUR criteria:

  1. It has only Direct Plan Mutual Funds. Not having them means erosion of upto 40% of your entire portfolio (not just gains)!

  2. It is aligned to your risk appetite.

  3. It has a mix of various asset classes - debt, equity so that you can rebalance it to ensure long term growth.

  4. You systematically and regular invest in it (not only markets are high)