CAGR, XIRR & Rolling Returns: Which Number Should You Trust? | Nivesh Ka Bada Sawaal

Are you confused by the different return numbers you see on a mutual fund page: CAGR, XIRR, rolling return? You are not alone. This episode of Nivesh Ka Bada Sawaal is for anyone who has started a SIP or is planning to invest in mutual funds and wants to understand which return figure actually matters and which one can be misleading. In this episode, Dhirendra Kumar, Founder of Value Research, joins us to break down three of the most important return metrics in mutual fund investing: CAGR (Compounded Annual Growth Rate), XIRR, and Rolling Returns. Using a simple road-trip analogy, he explains that CAGR is like the average speed of a long journey useful, but it does not show the full picture. XIRR, on the other hand, is specifically designed for SIP investors, where money goes in at different times and different amounts, making it a more accurate measure of what your SIP has actually earned. You will find answers to questions like: What is CAGR and why is it not always the most reliable number? What is XIRR and why is it the right return metric for SIP investors? What is Rolling Return and how is it different from Trailing Return? Which mutual fund return number should I look at before investing? Can past mutual fund returns predict future performance? How do I compare a mutual fund's return to a recurring deposit or FD? Where can I check rolling returns for any mutual fund in India? ⚠️ Educational content only. Not financial advice. Investments carry market risks. Consult a certified advisor before investing. Timestamps - 00:00 Welcome & Episode Introduction 00:35 What Is CAGR? The Road Trip Analogy Explained 00:39 Why CAGR Is an Average And What That Means for You 01:33 What Is XIRR and How Is It Different from CAGR? 01:38 Why XIRR Is the Right Return Metric for SIP Investors 01:59 How SIP Instalments Work at Different Time Periods 02:24 What Is Rolling Return? A Simple Explanation 02:57 Trailing Return vs Rolling Return What's the Difference? 03:07 Why Trailing Return Can Sometimes Be Misleading 03:20 How Rolling Returns Are Calculated Every Day 04:24 Which Return Number Is Most Reliable for Mutual Fund Investors? 04:59 CAGR, XIRR & Rolling Return A Quick Comparison 05:38 The SEBI Disclaimer Every Investor Must Remember 06:19 Final Takeaway: What to Check Before Buying a Mutual Fund 06:39 Where to Learn More: Value Research Hindi & Knowledge Centre Value Research Hindi का लक्ष्य निवेश से जुड़ी हर तरह की जानकारियां, आपकी अपनी भाषा हिंदी में आप तक पहुंचाना है. हमारी लगातार कोशिश है कि आपकी आर्थिक ज़रूरतों के मुताबिक़, आपके निवेश को ज़्यादा आसान और ज़्यादा फ़ायदेमंद बनाएं. इस चैनल पर, हम जिस बारे में बताते हैं: म्यूचुअल फ़ंड और पोर्टफ़ोलियो बनाना Stock Market के फ़ंडामेंटल्स (टिप्स या चर्चाएं नहीं) इन्वेस्टर्स की सोच और पैसे से जुड़ी आम ग़लतियां Market cycles, रिस्क और long-term wealth बनाना हमारा कंटेंट इनके लिए डिज़ाइन किया गया है: ✔️ गंभीर लॉन्ग-टर्म इन्वेस्टर्स ✔️ नए लोग जिन्हें स्पष्टता चाहिए, शोर नहीं ✔️ अनुभवी इन्वेस्टर्स जो राय से ज़्यादा लॉजिक को महत्व देते हैं हम ट्रेंड्स के पीछे नहीं भागते. हम प्रोसेस, डिसिप्लिन और फ़ैसले लेने पर ज़ोर देते हैं. 📌 नए वीडियो सिर्फ़ यह नहीं बताते कि क्या ख़रीदना है, बल्कि यह भी बताते हैं कि चीज़ें कैसे काम करती हैं. 🔔 सब्सक्राइब करें, अगर आप चाहते हैं: साफ़, निष्पक्ष investing explanations कोई Stock Tips नहीं, कोई Return का वादा नहीं Research पर आधारित insights जिस पर आप भरोसा कर सकते हैं 🔗 Explore More from Value Research: 🌐Value Research Hindi: https://hindi.valueresearchonline.com 🌐Value Research English: https://www.valueresearchonline.com/ 📰 न्यूज़लेटर: https://hindi.valueresearchonline.com... 📊 Ask an investing question: https://hindi.valueresearchonline.com... 📘Free eBook: https://hindi.valueresearchonline.com... 📘 Stock research platform: https://www.valueresearchstocks.com ▶️ Our Other Channels: Value Research English:    / @valueresearchvideo   Spotify: https://open.spotify.com/show/5da8Mxc... #niveshkabadasawaal #mutualfunds #sipinvesting #personalfinancehindi #valueresearch