After 8–10 years of equity SIPs, should I rebalance my mid- and small-cap-heavy portfolio or continue investing?

Mutual fund investors with long-term goals can continue their existing SIPs, even if overweight in mid and small caps, as compounding works in their favor. For shorter horizons, rebalancing to stable funds is advised. New Sebi rules enhance cost transparency, separating fund management fees from other charges, potentially leading to modest expense reductions over time.