2018 year-ender: Equity MFs turn negative, what you should do?

The year 2018 was a volatile year for equities for various reasons such as IL&FS fiasco, oil prices, rupee depreciation, etc. and at the end of the year, equity's performance turned negative. So many of the equity mutual fund investors are wondering whether to exit from their existing equity mutual funds.
 
This is an actual opportunity for accumulation as you would be gathering more units. People having their SIPs (Systematic Investment Plans) must continue with the same and people who wish to invest via lumpsum should also take this as an opportunity to enter the market.
 
It is very important to make sure that you are sticking to your objectives with which you had invested in the mutual funds. There must be only two reasons to exit from the fund. Either your objective has changed or that particular mutual fund now doesn’t serve towards attaining your objective.
 
Being disciplined while investing will help you to create a good amount of wealth. Neither invest beyond your capacity nor invest less than your capacity. Assessing the optimal capacity and then investing according to it would help you in saving more without giving up on your current lifestyle and still attain your financial goals and objectives.
 
The decision to enter or exit is usually taken emotionally which is actually dangerous to your overall investments and portfolio. Decisions related to your investment must be taken based on facts and not based on emotions. If you have a financial plan in place, you would easily understand the road-map of your finances and make wise decisions.