Choosing mutual funds based only on return numbers can be misleading.

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 Hello friends 


Choosing mutual funds based only on return numbers can be misleading.


Consistency + Alpha + SIP performance = Smarter investing.


Everyone loves X% return screenshots, but real wealth is built when you invest every month — through every crash and rally.

That’s why SIP XIRR + Alpha tells the real story.


📌 6-Year SIP Performance of Flexi-Cap Funds (XIRR % + Alpha %)

Some funds didn’t just perform — they outperformed the market consistently.


🏆 HDFC Flexi Cap — 24.58% SIP XIRR | 7.25% Alpha

🔥 Parag Parikh Flexi Cap — 21.22% | 3.89% Alpha

💪 Franklin India Flexi Cap — 20.70% | 3.37% Alpha

⚡ Motilal Oswal Flexi Cap — 19.74% | 2.41% Alpha



Now here’s the important part 👇


A fund can show high returns but zero or negative Alpha, meaning…


💬 “The market made money. The fund manager didn’t add value.”


So before investing, don’t just check returns — check skill.


Hope you like this

Keep reading 

Wise investing 

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🧠 Smart research framework

✔ SIP XIRR – wealth creation

✔ Alpha – skill of the manager

✔ Rolling returns – consistency

✔ Max Drawdown – risk during crashes



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