Calculate XIRR for irregular cash flows
XIRR (Extended Internal Rate of Return) calculates annualized returns for investments with irregular cash flows on specific dates. Use it for SIPs, partial redemptions, dividend reinvestments, or any investment with multiple transactions at different times.
CAGR works for single lump sum investments (one entry, one exit). XIRR handles multiple investments at different dates. For SIPs, CAGR is inaccurate; XIRR provides the true picture of your returns.
Fund returns are point-to-point assuming lump sum investment. Your SIP returns (XIRR) depend on when each installment was invested. More units bought during market lows improve your XIRR vs fund returns.
Use =XIRR(values, dates). Values column contains cash flows (negatives for investments, positive for redemptions/current value). Dates column has corresponding transaction dates. Result is annual return rate.
For equity funds, 12-15% XIRR over 5+ years is good. Debt funds should target 7-9%. Compare your XIRR against the fund's benchmark XIRR for the same period. Consistent performance over market cycles matters most.
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