I am investing in Select Focus and Sundaram Diversified tax saver--both dividend option.In each I have accumulated units--value of Rs3.lacs each-,of due to annual subscription at my convenience. I get 6 to 12 % in them resply.Is it advisable to withdraw from these schemes, as I am not in need of any income than my bank interest. I am 80 years old. v.krishnamoorthy