{"id":5982,"date":"2020-10-29T13:27:20","date_gmt":"2020-10-29T13:27:20","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=5982"},"modified":"2021-12-15T13:29:04","modified_gmt":"2021-12-15T13:29:04","slug":"decoding-mutual-fund-returns-calculating-cagr-xirr","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/","title":{"rendered":"Decoding Mutual Fund Returns!"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69e7167ea1d77\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69e7167ea1d77\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-5'><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/#1_Absolute_return_point_to_point_return\" title=\"1\/ Absolute return (point to point return): \">1\/ Absolute return (point to point return): <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/#2_Annualized_returns\" title=\"2\/ Annualized returns: \">2\/ Annualized returns: <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/#3_Compounded_Annual_Growth_Rate_CAGR\" title=\"3\/ Compounded Annual Growth Rate (CAGR): \">3\/ Compounded Annual Growth Rate (CAGR): <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/#4_Extended_Internal_Rate_of_Return_XIRR\" title=\"4\/ Extended Internal Rate of Return (XIRR): \">4\/ Extended Internal Rate of Return (XIRR): <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/#5_Rolling_return\" title=\"5\/ Rolling return: \">5\/ Rolling return: <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/#1_Standard_Deviation\" title=\"1\/ Standard Deviation:\">1\/ Standard Deviation:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/#2_Risk-adjusted_return\" title=\"2\/ Risk-adjusted return: \">2\/ Risk-adjusted return: <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/#3_Sharpe_Ratio\" title=\"3\/ Sharpe Ratio:\">3\/ Sharpe Ratio:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/#4_Sortino_Ratio\" title=\"4\/ Sortino Ratio: \">4\/ Sortino Ratio: <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/#5_Treynor_Ratio\" title=\"5\/ Treynor Ratio: \">5\/ Treynor Ratio: <\/a><ul class='ez-toc-list-level-6'><li class='ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/#Disclaimer_Statutory_Details_Risk_Factors\" title=\"Disclaimer, Statutory Details &amp; Risk Factors:\">Disclaimer, Statutory Details &amp; Risk Factors:<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/#Interested_in_how_we_think_about_the_markets\" title=\"Interested in how we think about the markets?\">Interested in how we think about the markets?<\/a><\/li><\/ul><\/nav><\/div>\n<p><a href=\"https:\/\/kuvera.in\/explore\/funds\/quantum\" rel=\"attachment wp-att-5135\"><img loading=\"lazy\" class=\"alignleft wp-image-5135\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2020\/08\/QMF-Logo.jpg\" alt=\"\" width=\"76\" height=\"78\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2020\/08\/QMF-Logo.jpg 742w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2020\/08\/QMF-Logo-290x300.jpg 290w\" sizes=\"(max-width: 76px) 100vw, 76px\" \/><\/a>This is a guest post authored by the research team at\u00a0<a href=\"https:\/\/kuvera.in\/explore\/funds\/quantum\">Quantum Mutual Fund<\/a>. It is one of India\u2019s premier asset management companies with 1,440.45 Cr of Assets under Management as of 30th June 2020.<\/p>\n<p>Every mutual fund aims to create wealth for its investor by generating superior risk-adjusted returns. Return is an important determinant of performance. It gives a good idea about the performance of a fund compared to the benchmark or other schemes in the category.<\/p>\n<p>There are different ways to calculate mutual fund return based on your holding period, and the type of investment: lumpsum or SIP. Absolute, Annualized, CAGR, XIRR &amp; Rolling return are some common methods of calculating return. It is important to have a clear understanding of these terms for a better evaluation of the return from a mutual fund.<\/p>\n<p>Let\u2019s understand different ways to calculate mutual fund return-<\/p>\n<h5><span class=\"ez-toc-section\" id=\"1_Absolute_return_point_to_point_return\"><\/span><strong>1\/ Absolute return (point to point return): <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Absolute return is a fairly simple method to calculate mutual fund return. It measures the change in the value of an asset over a specific investment period. So, to calculate the absolute return from a fund, you need the present value of the investment and the originally invested amount. The formula is-<\/p>\n<blockquote><p>Absolute Return = (Present value \u2013 Invested amount)\/ Invested amount x 100<\/p><\/blockquote>\n<p><strong><em>When to use:<\/em><\/strong> If you have been investing in a fund since a short time (say, less than 1 year) then you can use absolute return approach. Using absolute return to calculate returns over a long time-frame can give misleading results. For instance, if an investment of Rs 10,000 grows to Rs 15,000 in five years, then the absolute return will be 50%. However, the return earned in each of these five years could be much lower.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"2_Annualized_returns\"><\/span><strong>2\/ Annualized returns: <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>It is a geometric average that calculates return from investment on an annual basis.<\/p>\n<p>While absolute return shows how much the investment has grown from the initial value, annualized return calculates the average pace by which the fund grew annually to reach the current value.<\/p>\n<p>To calculate annualized return we need to first calculate absolute returns.<\/p>\n<blockquote><p>Annualized\u00a0Return = \u200b((1+r1\u200b) \u00d7 (1+r2\u200b) \u00d7 (1+r3\u200b) \u00d7\u22ef\u00d7 (1+rn\u200b))<sup>1\/n<\/sup>\u00a0 \u200b\u2212 1\u200b<\/p><\/blockquote>\n<p><strong><em>When to use: <\/em><\/strong>Performance in a given year can deviate significantly from the previous year due to market fluctuation. Hence, the annualized return approach helps to compare the performance of various mutual funds over different periods.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"3_Compounded_Annual_Growth_Rate_CAGR\"><\/span><strong>3\/ Compounded Annual Growth Rate (CAGR): <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>This is a commonly used method to calculate mutual fund return. It gives insight into a fund\u2019s continued performance as it takes into consideration the effect of compounding. In other words, it assumes that the profits remain invested in the fund.<\/p>\n<p>So, CAGR essentially calculates the rate at which investment has gone up or down annually to reach the current value.<\/p>\n<blockquote><p>CAGR = (Final value\/Initial Value)<sup> 1\/n<\/sup> &#8211; 1<\/p><\/blockquote>\n<p><strong><em>When to use: <\/em><\/strong>If you have lump sum investment in mutual funds since more than a year, then you can use CAGR to calculate return. You can also compare return on your investment with other funds in the same class by using CAGR.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"4_Extended_Internal_Rate_of_Return_XIRR\"><\/span><strong>4\/ Extended Internal Rate of Return (XIRR): <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Your investment in mutual funds could be recurring when you invest multiple times- either monthly or at different intervals. In such a case, CAGR does not deliver accurate results. Here XIRR is a more suitable method to measure the return, as it takes into consideration the inflows (investment) and outflows (redemption) at different times.<\/p>\n<p><strong><em>When to use:<\/em><\/strong> When there is a series of transactions such as purchase, switch, redemption, etc. XIRR is a better alternative to calculate the rate of return.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"5_Rolling_return\"><\/span><strong>5\/ Rolling return: <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Rolling returns is a method to evaluate a fund\u2019s average annualized return for a specific time-frame. This eliminates bias towards a specific period. With the rolling return, you can look at the annualized performance of a fund during various intervals.<\/p>\n<p>For example, if an investment of Rs 10,000 done a year ago, is worth Rs 15,000 today then your absolute return is 50%. But in case the value drops to Rs 14,000 tomorrow, your 1-year absolute return will come down to 40%. Rolling return takes into account this volatility. It considers returns between specific periods, say 1<sup>st<\/sup> August to 1<sup>st<\/sup> September, 2<sup>nd<\/sup> August to 2<sup>nd<\/sup> September, and so on. It takes an average of these returns. Hence, rolling return ensures that returns are not skewed by the most recent data.<\/p>\n<p><strong><em>When to use:<\/em><\/strong> The consistency of a fund\u2019s performance can be analyzed using rolling return. It is also useful in analyzing how a SIP would impact returns over a specific time-frame.<\/p>\n<p>Once you know how to evaluate a fund\u2019s return, you can also review the risk parameters associated with the fund. Here are some useful risk parameters-<\/p>\n<h5><span class=\"ez-toc-section\" id=\"1_Standard_Deviation\"><\/span><strong>1\/ Standard Deviation:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Standard deviation is a measure of evaluating the risk caused by the volatility. It tells how much a fund\u2019s performance deviates over a time-frame. Higher the standard deviation, the higher the risk taken by the fund.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"2_Risk-adjusted_return\"><\/span><strong>2\/ Risk-adjusted return: <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>It refers to the amount of risk taken by a fund to earn the return and is a useful parameter to select mutual funds. Risk-adjusted returns help in comparing funds within a particular category.<\/p>\n<h5><span class=\"ez-toc-section\" id=\"3_Sharpe_Ratio\"><\/span><strong>3\/ Sharpe Ratio:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Sharpe ratio compares the return an investor is getting with the level of risk taken by fund. To calculate Sharpe ratio you have to find the difference between the return of a fund and the risk-free return. Then, divide the result by the standard deviation of the fund.<\/p>\n<blockquote><p>Sharpe Ratio = (Fund return \u2013 Risk-free return)\/Standard deviation of the fund<\/p><\/blockquote>\n<h5><span class=\"ez-toc-section\" id=\"4_Sortino_Ratio\"><\/span><strong>4\/ Sortino Ratio: <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Sortino ratio helps to determine a fund\u2019s ability to contain the downside risk during a depressing market condition. Unlike the Sharpe ratio, Sortino uses only downside deviation for calculating the volatility.<\/p>\n<blockquote><p>Sortino Ratio = (Portfolio Return \u2013 Risk Free Return)\/Downside Deviation<\/p><\/blockquote>\n<h5><span class=\"ez-toc-section\" id=\"5_Treynor_Ratio\"><\/span><strong>5\/ Treynor Ratio: <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>Treynor ratio determines the excess returns earned for the risk taken by the fund. It is also called the reward-to-volatility ratio. Treynor ratio uses the \u2018Beta\u2019 of the fund (volatility of a fund compared to the systematic market risk). The idea is to evaluate the value added for the risk taken by the investor.<\/p>\n<blockquote><p>Treynor Ratio = (Fund return \u2013 Risk-free return)\/Beta of the fund<\/p><\/blockquote>\n<p>In addition to the above, you should also adjust for inflation and taxes to arrive at the actual in-hand return. If you had a fund earning 11% per year and inflation was at 5%, your inflation-adjusted return (real rate of return) would be 6%. This would further reduce if the gains on it are taxable.<\/p>\n<p>Mutual funds are a worthy investment avenue for wealth creation and achieving financial goals. It is prudent to understand the risk and return potential associated with a fund while taking an investment decision.<\/p>\n<p>Happy Investing!<\/p>\n<hr \/>\n<p>The opinions expressed are those of the authors and should not be construed as advice from Kuvera.<\/p>\n<hr \/>\n<h6><span class=\"ez-toc-section\" id=\"Disclaimer_Statutory_Details_Risk_Factors\"><\/span>Disclaimer, Statutory Details &amp; Risk Factors:<span class=\"ez-toc-section-end\"><\/span><\/h6>\n<p>The views expressed herein this article\/video are for general information and reading purpose only and do not constitute any guidelines and recommendations on any course of action to be followed by the reader. Quantum AMC \/ Quantum Mutual Fund is not guaranteeing \/ offering \/ communicating any indicative yield on investments made in the scheme(s). The views are not meant to serve as a professional guide\/investment advice \/ intended to be an offer or solicitation for the purchase or sale of any financial product or instrument or mutual fund units for the reader. The article has been prepared on the basis of publicly available information, internally developed data and other sources believed to be reliable. Whilst no action has been solicited based upon the information provided herein, due care has been taken to ensure that the facts are accurate and views given are fair and reasonable as on date. Readers of this article should rely on information\/data arising out of their own investigations and advised to seek independent professional advice and arrive at an informed decision before making any investments.<\/p>\n<p>Risk Factors: Mutual Fund investments are subject to market risks, read all scheme related documents carefully.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Interested_in_how_we_think_about_the_markets\"><\/span>Interested in how we think about the markets?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Read more:\u00a0<a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Zen And The Art Of Investing<\/strong><\/a><\/p>\n<p>Watch\/hear on YouTube:<\/p>\n<p><iframe loading=\"lazy\" title=\"Kuvera Insights: Vivek Kaul explains the impact of Non Performing Assets (NPA&#039;s) and Bad Loans\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/videoseries?list=PLDSzQdT9nLmCysU31bg4Ngh7WY2p3UiiI\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit\u00a0<a href=\"https:\/\/www.kuvera.in\/\"><strong>kuvera.in<\/strong><\/a>\u00a0to discover\u00a0<a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\"><strong>Direct Plans<\/strong><\/a> \u00a0and\u00a0<a href=\"https:\/\/kuvera.in\/user\/login\"><strong>start investing today.<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>This is a guest post authored by the research team at\u00a0Quantum Mutual Fund. It is one of India\u2019s premier asset management companies with 1,440.45 Cr of Assets under Management as of 30th June 2020. Every mutual fund aims to create wealth for its investor by generating superior risk-adjusted returns. Return is an important determinant of [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":7,"featured_media":5988,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[99],"tags":[443,442,23,93,67,368,444,441,415],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Decoding Mutual Fund Returns! - Kuvera<\/title>\n<meta name=\"description\" content=\"XIRR or Absolute return, which one should you check for your mutual funds? All your return and risk related questions answered in one place.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Decoding Mutual Fund Returns! - Kuvera\" \/>\n<meta property=\"og:description\" content=\"XIRR or Absolute return, which one should you check for your mutual funds? All your return and risk related questions answered in one place.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/\" \/>\n<meta property=\"og:site_name\" content=\"Kuvera\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/kuvera.in\" \/>\n<meta property=\"article:published_time\" content=\"2020-10-29T13:27:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-12-15T13:29:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2020\/10\/returns-feature-image-comp.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1443\" \/>\n\t<meta property=\"og:image:height\" content=\"916\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Guest Blogger\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Kuvera_In\" \/>\n<meta name=\"twitter:site\" content=\"@Kuvera_In\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Guest Blogger\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Decoding Mutual Fund Returns! - Kuvera","description":"XIRR or Absolute return, which one should you check for your mutual funds? All your return and risk related questions answered in one place.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/","og_locale":"en_US","og_type":"article","og_title":"Decoding Mutual Fund Returns! - Kuvera","og_description":"XIRR or Absolute return, which one should you check for your mutual funds? All your return and risk related questions answered in one place.","og_url":"https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/","og_site_name":"Kuvera","article_publisher":"https:\/\/www.facebook.com\/kuvera.in","article_published_time":"2020-10-29T13:27:20+00:00","article_modified_time":"2021-12-15T13:29:04+00:00","og_image":[{"width":1443,"height":916,"url":"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2020\/10\/returns-feature-image-comp.jpg","type":"image\/jpeg"}],"author":"Guest Blogger","twitter_card":"summary_large_image","twitter_creator":"@Kuvera_In","twitter_site":"@Kuvera_In","twitter_misc":{"Written by":"Guest Blogger","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/#article","isPartOf":{"@id":"https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/"},"author":{"name":"Guest Blogger","@id":"https:\/\/kuvera.in\/blog\/#\/schema\/person\/3b7368367bae36c89b81169ff2e15f65"},"headline":"Decoding Mutual Fund Returns!","datePublished":"2020-10-29T13:27:20+00:00","dateModified":"2021-12-15T13:29:04+00:00","mainEntityOfPage":{"@id":"https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/"},"wordCount":1395,"commentCount":0,"publisher":{"@id":"https:\/\/kuvera.in\/blog\/#organization"},"keywords":["Absolute return","CAGR","Compounding","Investment Advisor","Mutual Funds","past return","Ratios","return","XIRR"],"articleSection":["Investing 101"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/","url":"https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/","name":"Decoding Mutual Fund Returns! - Kuvera","isPartOf":{"@id":"https:\/\/kuvera.in\/blog\/#website"},"datePublished":"2020-10-29T13:27:20+00:00","dateModified":"2021-12-15T13:29:04+00:00","description":"XIRR or Absolute return, which one should you check for your mutual funds? All your return and risk related questions answered in one place.","breadcrumb":{"@id":"https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/kuvera.in\/blog\/decoding-mutual-fund-returns-calculating-cagr-xirr\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/kuvera.in\/blog\/"},{"@type":"ListItem","position":2,"name":"Decoding Mutual Fund Returns!"}]},{"@type":"WebSite","@id":"https:\/\/kuvera.in\/blog\/#website","url":"https:\/\/kuvera.in\/blog\/","name":"Kuvera","description":"Wealth Management, Simplified","publisher":{"@id":"https:\/\/kuvera.in\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/kuvera.in\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/kuvera.in\/blog\/#organization","name":"Kuvera","url":"https:\/\/kuvera.in\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/kuvera.in\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/cropped-cropped-kuvera-logo-dark-3.png","contentUrl":"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/cropped-cropped-kuvera-logo-dark-3.png","width":83,"height":13,"caption":"Kuvera"},"image":{"@id":"https:\/\/kuvera.in\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/kuvera.in","https:\/\/twitter.com\/Kuvera_In","https:\/\/www.instagram.com\/kuvera.in","https:\/\/www.linkedin.com\/company-beta\/10456535\/"]},{"@type":"Person","@id":"https:\/\/kuvera.in\/blog\/#\/schema\/person\/3b7368367bae36c89b81169ff2e15f65","name":"Guest Blogger","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/kuvera.in\/blog\/#\/schema\/person\/image\/","url":"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2019\/07\/guest-author-150x150.png","contentUrl":"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2019\/07\/guest-author-150x150.png","caption":"Guest Blogger"},"description":"At Kuvera, we invite the best industry experts, personal finance bloggers and thinkers to share their views with our investors. The views and opinions expressed in this article are those of the authors and do not necessarily reflect the official stand of Kuvera.","url":"https:\/\/kuvera.in\/blog\/author\/guest-blogger\/"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/posts\/5982"}],"collection":[{"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/comments?post=5982"}],"version-history":[{"count":8,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/posts\/5982\/revisions"}],"predecessor-version":[{"id":9486,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/posts\/5982\/revisions\/9486"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/media\/5988"}],"wp:attachment":[{"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/media?parent=5982"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/categories?post=5982"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kuvera.in\/blog\/wp-json\/wp\/v2\/tags?post=5982"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}