A. There are many factors determine when is the best time an investor to sell a fund, here are three large categories of those factors:
a. Personal Factors
1. Your investment objectives changed
2. Your time horizon changed
3. It's time to rebalance your portfolios
4. It's time to take a tax loss
b. Fund Factors
1. Change of fund managers
2. Change of fund strategies
3. Consistent (4-5 years) underperformance of benchmarks
c. Market Factors
1. Valuation concerns (near bubble state)
2. Interest rate changes (when rates go up, long term bond funds suffer)
Which factors apply to you?