Ever wonder if your investments are growing as fast as the headlines? Let's dive into how to calculate your *actual* mutual fund returns and make smarter decisions.
News screams big returns, but your statement feels different. Understand your *actual* mutual fund growth to make smarter decisions, not just react to headlines.
CAGR works for lump sums, but for SIPs with multiple investments, XIRR (Extended Internal Rate of Return) is key. It gives *your* personalized, annualized return.
Gather your transaction history (dates, amounts) & current portfolio value. Use Excel/Google Sheets' `=XIRR()` function. Select cash flows & dates. Voila!
Expense Ratios, Exit Loads, and Taxes (STCG, LTCG for equity; slab-based for debt) silently eat into your returns. Always factor them in for true growth.
Use CAGR for lump-sum investments or comparing fund history. Use XIRR for SIPs, irregular investments, or your overall portfolio's personalized return.
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