CAGR and XIRR: How to Read Your Investment Returns
Learn the practical difference between CAGR and XIRR, why SIPs require a different formula, and how to read the return figures on your investment statements.
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Mutual Funds
How mutual funds, SIPs and step-ups work, and how their returns are measured.
Understanding Mutual Fund NAV and Why Low Does Not Mean Cheap
A clear guide to how Net Asset Value is calculated and why a lower unit price does not make a mutual fund cheaper or more likely to grow.
Read thisWhat a SIP Actually Is and What It Is Not
A Systematic Investment Plan is not an investment product, but a method of purchase. Here is what actually happens to your money each month.
Read thisWhy Trailing Returns Depend Completely on Two Dates
A trailing return looks like a single, objective number, but changing the start or end date by even a few weeks can make the same fund look brilliant or broken.
Read thisUnderstanding IRR and Why Investment Timing Matters
A clear explanation of Internal Rate of Return, how cash flow timing alters your real gains, and what the metric can and cannot tell you.
Read thisWho Actually Holds Your Mutual Fund Money
A look at the trust structure behind Indian mutual funds, showing who manages the money, who holds the assets, and how the law protects savers.
Read thisHow a SIP Top-Up Works Over Time
Learn how automatically increasing your monthly mutual fund instalment each year changes both your total contribution and your final corpus over long periods.
Read thisWhat Happens to Your SIP When the Market Falls
A clear explanation of how falling markets change the number of mutual fund units you acquire and how the arithmetic of rupee-cost averaging actually works.
Read thisDoes the Date of Your Monthly SIP Really Matter
A look at whether choosing a specific day of the month for a mutual fund SIP changes long-term returns, and what actually influences the outcome.
Read thisChoosing Between SIP and Lumpsum Investing
Understand the real trade-off between investing all at once and spreading it over time, and see what the choice actually depends on.
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