Ever wonder if your mutual fund investments are truly growing? Let's decode how to calculate your returns in India, like a financial wizard!
Perfect for quick checks! Measures raw growth on lump-sum investments less than a year. See if your ₹50k turned into ₹58k. Simple percentage growth gives a fast snapshot.
For investments over a year, CAGR annualizes returns. It's the 'true' average annual growth rate, considering compounding. Essential for comparing funds over multiple years!
The gold standard for SIPs! XIRR accounts for multiple investments on different dates and amounts. Use a spreadsheet's XIRR function for your precise annual return.
Don't just see returns! Factor in inflation (your money's real buying power) and taxes (what you actually take home) for a clear picture of your wealth growth.
Don't overlook expense ratios; they eat into gains. Past performance isn't a future guarantee. Always confirm if returns are absolute or annualized for accuracy.
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