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What is XIRR in mutual funds?
XIRR (Extended Internal Rate of Return) is a financial function that computes the annualised return on a series of cash flows that occur at irregular intervals. In the context of mutual funds, it is the most accurate measure of your actual portfolio return especially for SIP investors. It finds the single annualised interest rate that, when applied to all your cash outflows (investments) and inflows (withdrawals/redemptions) on their exact dates, makes the net present value (
1 day ago6 min read
Should I stop my SIP when markets fall?
The complete, no-fluff guide to understanding what negative SIP returns actually mean, what the data says across every Indian market cycle, and the one decision that separates wealth-builders from wealth-destroyers.
3 days ago16 min read
What are ELSS mutual funds?
If you've ever found yourself scrambling in the last week of March, which is the end of financial year in India, urgently trying to figure out where to park money to save on taxes, you're not alone. Millions of taxpayers in India do exactly that every year. And somewhere in that last-minute rush, someone usually says, "Just put it in ELSS." But what exactly is ELSS, why does it come up so often in tax conversations, and is it actually a good investment or just a tax shortcut?
7 days ago6 min read
Is Step-up SIP worth it?
A regular SIP (Systematic Investment Plan) lets you invest a fixed amount, say ₹5,000 (or any amount), every month into a mutual fund. Simple, automatic, disciplined. A Step-up SIP (also called a Top-up SIP) takes this a step further. You commit to increasing your SIP amount by a fixed percentage or fixed sum at regular intervals, typically every year. So, your ₹5,000 today becomes ₹6,000 next year, ₹7,200 the year after, and so on. It can be any amount. The idea is borrowed
Mar 23 min read
What are flexi cap mutual funds?
Flexi cap mutual funds are an open-ended, dynamically managed category of equity mutual funds that have the freedom to invest across companies of all market capitalisations - large cap, mid cap, and small cap without any restriction on the proportion allocated to each segment. Unlike other equity fund categories that are bound by regulatory mandates to maintain a minimum percentage in a specific market cap segment, flexi cap funds give fund managers the liberty to move money
Mar 24 min read
What are small cap mutual funds?
A small cap mutual fund is an equity mutual fund that is mandated to invest at least 65% of its total assets in small cap stocks, that is, companies ranked 251 st and below in terms of market capitalisation. The remaining 35% may be invested at the fund manager's discretion in mid cap or large cap stocks, debt instruments, or cash equivalents. These are typically companies with a market capitalisation ranging from a few hundred crore rupees to around ₹5,000 - ₹7,000 crore, t
Mar 16 min read
What are mid cap mutual funds?
Among the many categories of equity mutual funds available in India, mid cap mutual funds occupy a uniquely exciting and often misunderstood space. They sit right in the sweet spot between the safety of large cap funds and the high-risk, high-reward nature of small cap funds, making them an attractive proposition for investors who want meaningful growth without taking on extreme levels of risk. As per SEBI's mutual fund categorisation circular, Mid Cap companies are companies
Feb 285 min read
Are mutual funds safe for investing?
Mutual funds are one of the most well-regulated, transparent, and investor-friendly financial products available to Indians today. They are not risk-free. No investment ever is but "risky" and "unsafe" are two very different things. A mutual fund is risky in the sense that your returns are not guaranteed. It is safe in the sense that your money is protected by a robust legal framework, held in trust by regulated entities, and overseen by one of the most active financial regul
Feb 254 min read
What are large cap mutual funds?
In India, mutual fund categories are not loosely defined marketing labels. They are precisely regulated by the Securities and Exchange Board of India (SEBI). In its landmark October 2017 circular on the categorisation and rationalisation of mutual fund schemes, SEBI drew a clear line that large cap companies are the top 100 companies listed on Indian stock exchanges, ranked by full market capitalisation. A large cap mutual fund, by regulation, must invest a minimum of 80% of
Feb 254 min read
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