Since the LTCG is lower, it would be better to convert the mutual fund units which are eligible for LTCG as and when the mutual fund units become eligible for it. Platforms like Paytm Money, Groww, INDMoney, Kuvera (with their tradesmart feature) etc. are offering this feature along with the option to convert just those units to direct mode if you need. You may opt for STP (Systematic Transfer Plan) to convert the required unit in a fixed frequency if you need.