Question 1

XIRR क्या होता है? Portfolio return कैसे calculate करें?

Accepted Answer

XIRR (Extended Internal Rate of Return) SIP जैसे irregular cash flows का actual annualised return देता है। अगर आपने अलग-अलग समय पर निवेश किया है तो simple return सही नहीं होता — XIRR सही annual return बताता है। FinKit Portfolio Tracker automatically XIRR calculate करता है।

Question 2

What is ideal asset allocation for India 2026?

Accepted Answer

A popular rule: subtract your age from 100 for equity allocation. Age 30 → 70% equity, 30% debt. For higher risk appetite: 80% equity (large-cap + mid-cap + international), 20% debt (PPF + FD + debt funds). Rebalance annually to maintain target allocation.

Question 3

Mutual fund vs direct stocks — which is better?

Accepted Answer

Direct stocks offer higher return potential but require research, time and emotional discipline. Mutual funds (especially index funds) offer diversification, professional management and lower effort. For most salaried investors, a mix of index funds (60%) + direct stocks (20%) + debt (20%) is practical.

Question 4

Portfolio tracker में क्या track करना चाहिए?

Accepted Answer

Track: (1) Each investment's current value vs cost; (2) Overall XIRR return; (3) Asset allocation — equity vs debt vs gold; (4) Individual stock/fund weight (no single holding > 10% of portfolio); (5) Annual P&L for tax reporting. Review quarterly, rebalance annually.

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