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SIP Returns Update of 2 Funds over 2 Years

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Finance Mentor
Ramta_Jogi

PPFAS FlexiCap Fund - Started in Nov, 2020 - Returns till date = 14K @ Xirr 10.20%

Mirae Asset Emerging BlueChip Fund - Started in Nov, 2020 - Returns Till Date = 17K @ Xirr 9.2%

Both having same amount of SIP.

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@kukdookoo

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all sip's? no lumpsums?
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Any nifty 50 index mf can give you more than 12% with nominal expense ratio. If I’m not wrong in last three year this is approx 17%+ return with nifty 50 index mf.

Than why waste time and money with so expensive mf? Sometime simple one is great  😁😁😁

Finance Mentor Finance Mentor
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Just assessing mutual fund industry for all practical purposes instead of going on theory.

20 Funds for SIP - 1.5 lakh monthly SIP amount. Spread across different benchmarks, sectors and regions.

The returns you are talking of are absolute returns on lump-sum investment. In that category, my ELSS funds stand at around 50% gains, beating Nifty returns by a wide margin. 

Read topic - it specifically mentions "SIP returns". Not all those who wander (or wonder) are lost.

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I have been doing a lot of research on MF and finally convinced on Index nift50 fund - this is least risk, less expense and volatilatiy is low. I think one can expect 12% bare minimum annual grwoth.

I have also curios about active funds but lot of youtubers have created fear about active funds to stay away because of volatility

Finance Mentor Finance Mentor
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I will keep updating the returns every month or two for the funds that have been running for more than 2 years. 

For the 2 years gone by though... The point of entry of SIPs matter! More so for thematic funds 

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One thing which nearly all people seem to miss while calculating the returns -> just like SIP averages out the entry points, one needs to average out the exit point too using SWP... The time at which you exit matters, else it's just another lumpsum in reverse mode.

For example: A monthly SIP that started from 03-04-2010 in a Nifty50 Index, would have yielded a mere 3.1% XIRR when exited on 03-04-2020, which is whole 10 year period

Finance Mentor Finance Mentor
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Not only that - The other day i was having a conversation with @guest_999 -


This guy, who now owns and runs a highly successful site with many followers, is very much against SIPs.


His total investment return from 2008 leading to crash of 2020, on to July 2020.. was a meager 2.75% (XIRR)! Less than even a regular SBI saving account. All hail FD/RD.


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As i have zero knowledge in stock market, mutual funds and sip’s can someone tell me if i start investing 5k a month for 30 years than after 30 years what amount will i get?? Also what’s best way of investing??
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There is no fixed return that you will get. 

The Indian stock market is too young to get a historical return of 30 years though with 20 years as base, one would hope you'd get 10-12 percent returns over that period of time and not on an annual basis; depending on what index/benchmark you invest in. 


Deal Newbie Deal Newbie
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Great discussion and insight.

Generous Generous
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Weekly SIP - UTI Nifty 50 Index Fund

Started on 8th Sept., 2020

Returns - 12.56%

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Finance Mentor Finance Mentor
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Can't be. Since past 1 month/ or 1 year, Nifty has given negative returns.Check your date.

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Started fortnightly SIP in Mirae Asset Emerging Bluechip fund (Direct plan - Growth) in April 2014 at NAV of 17.892, highest NAV of 112.008 in Oct 2021. Current NAV is 103-104. Current CAGR is 19.1%. Expecting to reach CAGR of ~25% once Sensex touches 62000 again.

Finance Mentor Finance Mentor
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All of Mirae funds are fine.

Edited. Got mixed up between plan types

Finance Mentor Finance Mentor
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Tata Digital India  - 7.95 %.

So far, with a 2 year horizon - The absolute returns and XIRR are pretty much same.

Timing the entry (& exit) of thematic funds definitely matter. I was on a 20% absoulte returns in a 10 month time frame. It became 1% over 1 and a half year and now up to 8ish.

Fellows in SIP investment circle with ICICI and Franklin Tech funds are on the same boat.

@kukdookoo @guest_999 @GotoVishal @dealpanda @rajatindia

PPFAS Flexicap is now at 12.37%.

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Axis Midcap Fund . SIp Returns over 2 years = 9.5% - Started Mid Dec 2020.

Tihs fund is underperforming its peers and also underperforming benchmark.

@kukdookoo

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Paji ur views or what do u think about axis flexicap and axis bluechip? Ignore the overlap for a second.
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Canara Robeco Consumer Trends Fund = 11.5% absolute

@kukdookoo @guest_999

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Which amc consumer fund paji? Did u post a photo?dd app is broken sometimes
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SIP experiments reduced to 150K/month. 

The fund dropped in 2022 was Axis Midcap Fund.

The one i recently paused in 2023 is (surprise! surprise!) Mirae Asset Emerging Bluechip Fund. There is another fund under review from same AMC. I hope it picks up in the next 1-2 quarters.

@kukdookoo @guest_999 @third.i.financial.advisors

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Any issue with Mirae recently like some change in team/mgmt?
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The reports are looking great as of now ... how are those two funds now ? @Ramta_Jogi

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How meaning what?

Which two funds?

Can't see anything in your photo except red lines. What was the point in uploading it? 

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Why so sad @quantum

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