XIRR (Extended Internal Rate of Return) calculates the annualised return of an investment where there are multiple cash flows over time—like SIPs, withdrawals, or top-ups. It gives a more accurate view of your real returns compared to simple CAGR.
Alpha shows how much a fund has outperformed its benchmark after adjusting for risk. A positive alpha means the fund added value. Beta measures a fund’s volatility relative to the market. A beta of 1 means it moves with the market; below 1 is less volatile. High alpha with low beta indicates a strong, risk-adjusted
The 4% SWP (Systematic Withdrawal Plan) rule is a strategy where you withdraw 4% of your mutual fund portfolio annually. This approach aims to generate a regular while still allowing the investment to grow in the long term. It’s a popular rule of thumb in retirement planning, especially for those relying on mutual fund investments
The 8-4-3 rule suggests that if you consistently invest in a SIP, your investment will roughly double every 8, 4, and 3 years. As per this rule, the first 8 years your investment grows steadily and potentially double in this period. Next 4 years the growth accelerates, and your investment doubles again. And in the
