{"id":24399,"date":"2022-05-30T15:46:45","date_gmt":"2022-05-30T15:46:45","guid":{"rendered":"https://www.5paisa.com/finschool/?post_type=markets\u0026#038;p=24399"},"modified":"2024-08-02T21:42:03","modified_gmt":"2024-08-02T16:12:03","slug":"understanding-the-performance-of-your-fund","status":"publish","type":"markets","link":"https://www.5paisa.com/finschool/course/financial-planning-through-mutual-funds-course/understanding-the-performance-of-your-fund/","title":{"rendered":"Understanding The Performance Of Your Fund"},"content":{"rendered":"\u003cdiv data-elementor-type=\u0022wp-post\u0022 data-elementor-id=\u002224399\u0022 class=\u0022elementor elementor-24399\u0022\u003e\u003csection class=\u0022elementor-section elementor-top-section elementor-element elementor-element-1f6961e elementor-section-full_width tab_container elementor-section-height-default elementor-section-height-default\u0022 data-id=\u00221f6961e\u0022 data-element_type=\u0022section\u0022\u003e\u003cdiv 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fetchpriority=\u0022high\u0022 decoding=\u0022async\u0022 class=\u0022size-full wp-image-17137 aligncenter\u0022 role=\u0022img\u0022 src=\u0022https://www.5paisa.com/gujarati/finschool/wp-content/uploads/2022/01/Data-points-amico.svg\u0022 alt=\u0022\u0022 width=\u0022500\u0022 height=\u0022500\u0022 srcset=\u0022https://www.5paisa.com/gujarati/finschool/wp-content/uploads/2022/01/Data-points-amico.svg 150w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/01/Data-points-amico.svg 300w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/01/Data-points-amico.svg 1024w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/01/Data-points-amico.svg 1536w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/01/Data-points-amico.svg 2048w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/01/Data-points-amico.svg 500w\u0022 sizes=\u0022(max-width: 500px) 100vw, 500px\u0022 /\u003e\u003c/a\u003e\u003c/p\u003e\u003cp\u003eસૌથી મહત્વપૂર્ણ પ્રશ્ન એ છે કે: ભંડોળ કેટલું બનાવ્યું છે? આ સૌપ્રથમ વસ્તુ છે જે લોકો વિશે વિચારે છે. લોકો પૈસા કમાવવાની આશામાં રોકાણ કરે છે, અને રિટર્ન તમને જણાવે છે કે ભૂતકાળમાં શું ફંડ બનાવ્યું છે. ઐતિહાસિક રિટર્ન ફંડ વેચે છે- તેથી જ ફાઇનાન્શિયલ મેગેઝિન અથવા અખબારોમાં મ્યુચ્યુઅલ ફંડની જાહેરાતોમાં ઘણીવાર ફંડના રિટર્ન દર્શાવતા મોટા માઉન્ટેન ચાર્ટ્સનો સમાવેશ થાય છે.\u003c/p\u003e\u003cp\u003eતેમ છતાં, જેટલું મુશ્કેલ હોઈ શકે છે, ફંડના ભૂતકાળના વળતર ખાસ કરીને તેના ભાવિ વળતરની આગાહી કરતા નથી. (સારા વળતરનું શ્રેષ્ઠ ભવિષ્યવાણી? ઓછા ખર્ચ. જો કે, ફંડનો ભૂતકાળનો ઇતિહાસ કેટલાક સૂચનો પ્રદાન કરી શકે છે કે તેની માલિકી યોગ્ય છે કે નહીં.\u003c/p\u003e\u003cp\u003eજાહેરાતો, ફંડ કંપનીના સાહિત્ય, અખબાર અને Morningstar.com પર રિટર્ન નંબરની સમજ મેળવવા માટે, તમારે જાણવી જોઈએ કે આ આંકડાઓ મહત્વપૂર્ણ પરંપરાઓ પર આધારિત છે. \u003cstrong\u003eસ્ટાર્ટર્સ માટે, સંખ્યાઓને કુલ રિટર્ન તરીકે ઓળખવામાં આવે છે કારણ કે તે બે બાબતોને પ્રતિબિંબિત કરે છે: સ્ટૉક્સ અથવા બોન્ડ્સ ફંડમાં માર્કેટ ગેઇન (અથવા નુકસાન) - ફંડનું કેપિટલ રિટર્ન- અને તે રોકાણોમાંથી પ્રાપ્ત આવક\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eશેરો દ્વારા ચૂકવેલ ડિવિડન્ડ અને બોન્ડ્સ ફંડના માલિક દ્વારા ચૂકવેલ વ્યાજમાંથી આવક આવે છે. એકસાથે, તે કેપિટલ રિટર્ન અને ઇન્કમ રિટર્ન કુલ રિટર્ન આપે છે. એક વર્ષથી વધુ સમયગાળા માટે કુલ-રિટર્ન નંબર સામાન્ય રીતે વાર્ષિક રિટર્ન તરીકે રજૂ કરવામાં આવે છે.\u003c/p\u003e\u003cp\u003eવાર્ષિક વળતર એ સરેરાશ જેવું કંઈક છે, સિવાય કે તે સંયોજનને ધ્યાનમાં લે છે (એટલે કે, તે ઓળખે છે કે જો તમે પ્રથમ વર્ષમાં ફંડ ધરાવો છો, તો તમારી પાસે આગામી વર્ષની શરૂઆતમાં રોકાણ કરવા માટે વધુ છે). ICICI પ્રુ બ્લૂચિપ ફંડમાં 15.53% નું ત્રણ વર્ષનું વાર્ષિક રિટર્ન હતું. કોઈપણ વર્ષમાં ફંડ ખરેખર તે ચોક્કસ રકમ કમાયેલ નથી.\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\u0027text_slider_slide02\u0027 class=\u0027sa_hover_container\u0027 data-hash=\u0027Checking-the-After-tax Return\u0027 style=\u0027padding:4.9% 5%; margin:0px 0%; background-color:rgb(255, 255, 255); min-height:405px; \u0027\u003e\u003ch3 style=\u0022text-align: left;\u0022\u003e\u003cstrong\u003e\u003cspan style=\u0022color: #f1566d;\u0022\u003e8.2. ટેક્સ-પછીનું રિટર્ન ચેક કરી રહ્યા છીએ\u003c/span\u003e\u003c/strong\u003e\u003c/h3\u003e\u003ch3 style=\u0022text-align: left;\u0022\u003e\u003cimg decoding=\u0022async\u0022 width=\u0022500\u0022 height=\u0022500\u0022 class=\u0022aligncenter wp-image-17138 size-full\u0022 role=\u0022img\u0022 src=\u0022https://www.5paisa.com/gujarati/finschool/wp-content/uploads/2022/01/Presentation-rafiki.svg\u0022 alt=\u0022\u0022 srcset=\u0022https://www.5paisa.com/gujarati/finschool/wp-content/uploads/2022/01/Presentation-rafiki.svg 150w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/01/Presentation-rafiki.svg 300w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/01/Presentation-rafiki.svg 1024w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/01/Presentation-rafiki.svg 1536w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/01/Presentation-rafiki.svg 2048w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/01/Presentation-rafiki.svg 500w\u0022 sizes=\u0022(max-width: 500px) 100vw, 500px\u0022 /\u003e\u003c/h3\u003e\u003cp\u003eકુલ-રિટર્ન નંબરની ગણતરી એવી ધારણા પર કરવામાં આવે છે કે શેરધારકો કોઈપણ વિતરણને ફરીથી રોકાણ કરે છે જે ફંડ બનાવે છે. મ્યુચ્યુઅલ ફંડો કાયદા દ્વારા તેમના શેરધારકોને પ્રાપ્ત થતી લગભગ તમામ આવક (ડિવિડન્ડ ચૂકવવાના શેરો અથવા વ્યાજ-ચૂકવણી બોન્ડ્સમાંથી) વિતરિત કરવા અથવા ચૂકવવા માટે જરૂરી છે. તેઓએ નફા પર શેરો અથવા બોન્ડ્સને વેચીને તેઓ જે લાભ મેળવે છે તે પણ વિતરિત કરવું આવશ્યક છે. જો તમે તે વિતરણોને ફરીથી રોકાણ કરવાનું પસંદ કરો છો, અને મોટાભાગના રોકાણકારો કરે છે, તો તમને મેઇલમાં ચેકને બદલે વધુ ફંડ શેર મળશે. જો તમે પૈસા લેવાનું નક્કી કરો છો, તો તમારું રિટર્ન ફરીથી ઇન્વેસ્ટ કરેલ અને વધુ શેર મેળવનાર વ્યક્તિ કરતાં ઓછું હોઈ શકે છે.\u003c/p\u003e\u003cp\u003eજો તમે કર બચત યોજનાઓને બદલે કરપાત્ર એકાઉન્ટમાં તમારા ફંડની માલિકી ધરાવો છો, તો તમારે જાણવું જોઈએ કે તમે સામાન્ય રીતે જોશો તે કુલ-રિટર્નના આંકડાઓમાં બાઇટ કર શામેલ નથી તે તમારા રિટર્નમાંથી બહાર લઈ શકે છે. જ્યારે કોઈ ફંડ શેરધારકોને આવક અથવા મૂડી લાભનું વિતરણ કરે છે, ત્યારે તેને કરપાત્ર ઘટના કહેવામાં આવે છે. અને, અલબત્ત, કર ચૂકવવાથી તમે કરેલા પૈસામાં કાપ મળે છે. તફાવત નોંધપાત્ર હોઈ શકે છે.\u003c/p\u003e\u003cp\u003eમ્યુચ્યુઅલ ફંડના કેપિટલ ગેઇનનો ટૅક્સેશન દર હોલ્ડિંગ અવધિ અને મ્યુચ્યુઅલ ફંડના પ્રકાર પર આધારિત છે. હોલ્ડિંગ સમયગાળો એ સમયગાળો છે જેના માટે રોકાણકાર દ્વારા મ્યુચ્યુઅલ ફંડ એકમો રાખવામાં આવ્યા હતા. સરળ શબ્દોમાં કહીએ તો, હોલ્ડિંગનો સમયગાળો મ્યુચ્યુઅલ ફંડ એકમોની ખરીદી અને વેચાણની તારીખ વચ્ચેનો સમય છે. મ્યુચ્યુઅલ ફંડના વેચાણ એકમો પર પ્રાપ્ત થયેલ મૂડી લાભને નીચે મુજબ વર્ગીકૃત કરવામાં આવે છે:\u003c/p\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003e\u003cstrong\u003eફંડનો પ્રકાર\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003e\u003cstrong\u003eશોર્ટ ટર્મ કેપિટલ ગેઇન\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003e\u003cstrong\u003eલોન્ગ ટર્મ કેપિટલ ગેઇન\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003eઇક્વિટી ફંડ\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003e12 મહિનાથી ઓછું\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003e12 months \u0026amp; longer\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003eડેટ ફંડ\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003e36 મહિનાથી ઓછું\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003e36 months \u0026amp; longer\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003eHybrid equity oriented fund\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003e12 મહિનાથી ઓછું\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003e12 months \u0026amp; longer\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003eHybrid debt oriented fund\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003e36 મહિનાથી ઓછું\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003e36 months \u0026amp; longer\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003e\u003cstrong\u003eફંડનો પ્રકાર\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003e\u003cstrong\u003eશોર્ટ ટર્મ કેપિટલ ગેઇન\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003e\u003cstrong\u003eલોન્ગ ટર્મ કેપિટલ ગેઇન\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003eઇક્વિટી ફંડ\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003e15%+ cess+ surcharge\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003eUp to Rs 1 lakh a year is tax-exempt. Any gains above Rs 1 lakh are taxed at 10% + cess + surcharge\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003eડેટ ફંડ\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003eTaxed at the investor\u0026#8217;s income tax slab rate\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003e20% + cess + surcharge\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003eHybrid equity oriented fund\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003e15% + cess + surcharge\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003eUp to Rs 1 lakh a year is tax-exempt. Any gains above Rs 1 lakh are taxed at 10% + cess + surcharge\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003eHybrid debt oriented fund\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003eTaxed at the investor\u0026#8217;s income tax slab rate\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022200\u0022\u003e\u003cp\u003e20% + cess + surcharge\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\u0027text_slider_slide03\u0027 class=\u0027sa_hover_container\u0027 data-hash=\u0027Using-Indexes-as-Benchmarks\u0027 style=\u0027padding:4.9% 5%; margin:0px 0%; background-color:rgb(255, 255, 255); min-height:405px; \u0027\u003e\u003ch3 style=\u0022text-align: left;\u0022\u003e\u003cstrong\u003e\u003cspan style=\u0022color: #f1566d;\u0022\u003e8.3. બેન્ચમાર્ક તરીકે ઇન્ડેક્સનો ઉપયોગ કરવો\u003c/span\u003e\u003c/strong\u003e\u003c/h3\u003e\u003ch3 style=\u0022text-align: left;\u0022\u003e\u003cimg decoding=\u0022async\u0022 width=\u0022500\u0022 height=\u0022500\u0022 class=\u0022aligncenter wp-image-17138 size-full\u0022 role=\u0022img\u0022 src=\u0022https://www.5paisa.com/gujarati/finschool/wp-content/uploads/2022/01/Presentation-rafiki.svg\u0022 alt=\u0022\u0022 srcset=\u0022https://www.5paisa.com/gujarati/finschool/wp-content/uploads/2022/01/Presentation-rafiki.svg 150w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/01/Presentation-rafiki.svg 300w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/01/Presentation-rafiki.svg 1024w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/01/Presentation-rafiki.svg 1536w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/01/Presentation-rafiki.svg 2048w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/01/Presentation-rafiki.svg 500w\u0022 sizes=\u0022(max-width: 500px) 100vw, 500px\u0022 /\u003e\u003c/h3\u003e\u003cp\u003eAn index is the most common kind of benchmark. When you read a fund\u0026#8217;s shareholder report, you will always see the fund compared with an index, sometimes more than one. An index is a preselected, widely recognized group of securities, either stocks or bonds.\u003c/p\u003e\u003cp\u003eAsk someone to name a stock market index and odds are good that the answer will be Sensex. You can\u0026#8217;t escape the Sensex-it’s the index that usually heads the stock report on the evening news. Although the Sensex is familiar, it isn\u0026#8217;t a great performance benchmark for your mutual funds because it is extremely narrow; it includes just 30 large company stocks. Most stock funds include many more holdings and do not focus solely on blue chips.\u003c/p\u003e\u003cp\u003eInstead, the index you\u0026#8217;ll hear about most often in investing circles is the Nifty 50 index, which includes 50 major Indian companies. Because NSE chooses the stocks in the index to cover a range of industries, it has greater breadth than the Sensex. Thus, it\u0026#8217;s a reasonable yardstick for many funds that focus on big, name-brand Indian stocks.\u003c/p\u003e\u003cp\u003eYet despite widespread use, the Nifty 50 has its own drawbacks. Although it encompasses 50 stocks, it\u0026#8217;s designed so that the companies with the biggest market capitalizations (the total value of their outstanding shares), such as Reliance and TCS, take up the greatest percentage of the index. As a result, such names tend to influence the index\u0026#8217;s performance. On days when these giants do well, so does Nifty50.\u003c/p\u003e\u003cp\u003eThat\u0026#8217;s why you wouldn\u0026#8217;t want to compare a fund that focuses mostly on small companies, such as Axis Small cap fund, against the Nifty50 index alone. Small-company stocks make up a very small portion of the index, so it would be surprising if the fund performed much like the index at all.\u003c/p\u003e\u003cp\u003eSo what indexes should you use to make appropriate comparisons? If you\u0026#8217;re examining a small-company fund, use the BSE 250 Small cap benchmark, which is dedicated to small-capitalization stocks.\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\u0027text_slider_slide04\u0027 class=\u0027sa_hover_container\u0027 data-hash=\u0027Using-Peer-Groups-as-Benchmarks\u0027 style=\u0027padding:4.9% 5%; margin:0px 0%; background-color:rgb(255, 255, 255); min-height:405px; \u0027\u003e\u003ch3 style=\u0022text-align: left;\u0022\u003e\u003cstrong\u003e\u003cspan style=\u0022color: #f1566d;\u0022\u003e8.4 Using Peer Groups as Benchmarks\u003c/span\u003e\u003c/strong\u003e\u003cimg decoding=\u0022async\u0022 width=\u0022500\u0022 height=\u0022500\u0022 class=\u0022aligncenter wp-image-17138 size-full\u0022 role=\u0022img\u0022 src=\u0022http://www.5paisa.com/finschool/wp-content/uploads/2022/01/Presentation-rafiki.svg\u0022 alt=\u0022\u0022 srcset=\u0022https://www.5paisa.com/finschool/wp-content/uploads//2022/01/Presentation-rafiki.svg 150w, https://www.5paisa.com/finschool/wp-content/uploads//2022/01/Presentation-rafiki.svg 300w, https://www.5paisa.com/finschool/wp-content/uploads//2022/01/Presentation-rafiki.svg 1024w, https://www.5paisa.com/finschool/wp-content/uploads//2022/01/Presentation-rafiki.svg 1536w, https://www.5paisa.com/finschool/wp-content/uploads//2022/01/Presentation-rafiki.svg 2048w, https://www.5paisa.com/finschool/wp-content/uploads//2022/01/Presentation-rafiki.svg 500w\u0022 sizes=\u0022(max-width: 500px) 100vw, 500px\u0022 /\u003e\u003c/h3\u003e\u003cp\u003eઇન્ડેક્સ ઉપયોગી હોઈ શકે છે, પરંતુ સમાન કેટેગરી ફંડ્સ જેવા પીઅર ગ્રુપ્સ પણ વધુ સારી છે કારણ કે તેઓ તમને અન્ય ફંડ્સ સાથે ફંડની તુલના કરવાની મંજૂરી આપે છે જે સમાન રીતે ઇન્વેસ્ટ કરે છે. ઇન્ડેક્સ યોગ્ય બેંચમાર્ક હોઈ શકે છે કારણ કે તે ફંડમાં ઇન્વેસ્ટ કરેલા સમાન પ્રકારના સ્ટૉક્સને ટ્રૅક કરે છે, ઇન્ડેક્સ પોતે ઇન્વેસ્ટમેન્ટ વિકલ્પ નથી. તમારી પસંદગી ફંડ અને ઇન્ડેક્સમાં રોકાણ કરવા વચ્ચે નથી પરંતુ ફંડ અને ફંડ વચ્ચે છે.\u003c/p\u003e\u003cp\u003eજો તમે મોટી, સસ્તી કિંમતની કંપનીઓમાં રોકાણ કરતા ફંડનું મૂલ્યાંકન કરવાનો પ્રયત્ન કરી રહ્યા છો, તો તેની તુલના અન્ય મોટા મૂલ્યના ફંડ્સ સાથે કરો. ફંડના સાચા પીઅર ગ્રુપ વિશેની માહિતી સાથે સશસ્ત્ર, તમે તેના પરફોર્મન્સનું આકલન કરવા માટે વધુ સારી સ્થિતિમાં છો.\u003c/p\u003e\u003cp\u003eકહો કે તમારી પાસે કોટક બ્લૂચિપ ફંડ છે. તે વર્ષના અંતે, તમે ખૂબ જ ખુશ રહ્યા હોઈ શકો છો, તમારા ફંડે વર્ષ માટે 17.43% બનાવ્યું હતું, પરંતુ BSE 100 એ 15.93% નું રિટર્ન આપ્યું હતું. તે બેન્ચમાર્કની સાથે, તમારું ફંડ ઓવર પરફોર્મ કરેલ છે. Also when you compare it with other funds of the same category: Kotak Bluechip fund has done better than ICICI Pru Bluechip fund \u0026amp; Axis Bluechip fund.\u003c/p\u003e\u003cp\u003eLooking at just the index doesn\u0026#8217;t give complete insight into how your fund really did, but comparing the fund with its category tells you how well it does.\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\u0027text_slider_slide05\u0027 class=\u0027sa_hover_container\u0027 data-hash=\u0027Return-History- Longer-the-Better\u0027 style=\u0027padding:4.9% 5%; margin:0px 0%; background-color:rgb(255, 255, 255); min-height:405px; \u0027\u003e\u003ch3 style=\u0022text-align: left;\u0022\u003e\u003cstrong\u003e\u003cspan style=\u0022color: #f1566d;\u0022\u003e8.5 Return History Longer the Better\u003c/span\u003e\u003c/strong\u003e\u003c/h3\u003e\u003ch3 style=\u0022text-align: left;\u0022\u003e\u003cimg decoding=\u0022async\u0022 width=\u0022500\u0022 height=\u0022500\u0022 class=\u0022aligncenter wp-image-17138 size-full\u0022 role=\u0022img\u0022 src=\u0022https://www.5paisa.com/gujarati/finschool/wp-content/uploads/2022/01/Presentation-rafiki.svg\u0022 alt=\u0022\u0022 srcset=\u0022https://www.5paisa.com/gujarati/finschool/wp-content/uploads/2022/01/Presentation-rafiki.svg 150w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/01/Presentation-rafiki.svg 300w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/01/Presentation-rafiki.svg 1024w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/01/Presentation-rafiki.svg 1536w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/01/Presentation-rafiki.svg 2048w, https:/www.5paisa.com/finschool/wp-content/uploads/2022/01/Presentation-rafiki.svg 500w\u0022 sizes=\u0022(max-width: 500px) 100vw, 500px\u0022 /\u003e\u003c/h3\u003e\u003cp\u003eYou can check a fund\u0026#8217;s returns versus its category on various websites. But which returns should you consider? How the fund did for the past 6 months, the past 3 years or past 5 years, or some period in between?\u003c/p\u003e\u003cp\u003eBecause studies show that trading in and out of funds doesn\u0026#8217;t work, be a long-term investor and focus on a fund\u0026#8217;s returns for the past 3, 5, and 10 years. Compare those returns with those of other funds in the category to get a clear view of performance. Although we wouldn\u0026#8217;t rule out a fund that was below par for one of those periods, there\u0026#8217;s little reason to buy a fund that\u0026#8217;s inferior for most periods.\u003c/p\u003e\u003cp\u003eTake a look at the fund\u0026#8217;s calendar-year returns versus its category, too. That\u0026#8217;s a handy way to identify a fund that may look good because of a couple of strong recent years but has little to recommend it overall.\u003c/p\u003e\u003cp\u003eFinally, ask how long the fund\u0026#8217;s current manager has been aboard the fund. Maybe the fund sports terrific long-term returns over every period, but the person who helped deliver those great returns has retired or moved on to another fund. In that case, the fund\u0026#8217;s long-term record may have little bearing on how it will perform in the future\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e\u003cscript type=\u0027text/javascript\u0027\u003ejQuery(document).ready(function()  {jQuery(\u0027#text_slider\u0027).owlCarousel({items  :  1,smartSpeed  :  400,autoplay  :  false,autoplayHoverPause  :  false,smartSpeed  :  400,fluidSpeed  :  400,autoplaySpeed  :  400,navSpeed  :  400,dotsSpeed  :  400,dotsEach  :  1,loop  :  false,nav  :  true,navText  :  [\u0027Previous\u0027,\u0027Next\u0027],dots  :  true,responsiveRefreshRate  :  200,slideBy  :  1,mergeFit  :  true,autoHeight  :  true,mouseDrag  :  false,touchDrag  :  true});jQuery(\u0027#text_slider\u0027).css(\u0027visibility\u0027, \u0027visible\u0027);var  owl_goto  =  jQuery(\u0027#text_slider\u0027);jQuery(\u0027.text_slider_goto1\u0027).click(function(event){owl_goto.trigger(\u0027to.owl.carousel\u0027,  0);});jQuery(\u0027.text_slider_goto2\u0027).click(function(event){owl_goto.trigger(\u0027to.owl.carousel\u0027,  1);});jQuery(\u0027.text_slider_goto3\u0027).click(function(event){owl_goto.trigger(\u0027to.owl.carousel\u0027,  2);});jQuery(\u0027.text_slider_goto4\u0027).click(function(event){owl_goto.trigger(\u0027to.owl.carousel\u0027,  3);});jQuery(\u0027.text_slider_goto5\u0027).click(function(event){owl_goto.trigger(\u0027to.owl.carousel\u0027,  4);});var  resize_24084  =  jQuery(\u0027.owl-carousel\u0027);resize_24084.on(\u0027initialized.owl.carousel\u0027,  function(e)  {if  (typeof(Event)  === \u0027function\u0027)  {window.dispatchEvent(new  Event(\u0027resize\u0027));}  else  {var  evt  =  window.document.createEvent(\u0027UIEvents\u0027);evt.initUIEvent(\u0027resize\u0027,  true,  false,  window,  0);window.dispatchEvent(evt);}});});\u003c/script\u003e\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\u0022slides-tab\u0022 class=\u0022clearfix eael-tab-content-item \u0022 data-title-link=\u0022slides-tab\u0022\u003e\u003cp\u003e\u003cimg decoding=\u0022async\u0022 class=\u0022aligncenter\u0022 src=\u0022https://www.5paisa.com/gujarati/finschool/wp-content/uploads/2021/10/coming-soon-person-g8026473a8_1920-removebg-preview.png\u0022 /\u003e\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\u0022videos-tab\u0022 class=\u0022clearfix eael-tab-content-item \u0022 data-title-link=\u0022videos-tab\u0022\u003e\u003cp\u003e\u003cimg decoding=\u0022async\u0022 class=\u0022aligncenter\u0022 src=\u0022https://www.5paisa.com/gujarati/finschool/wp-content/uploads/2021/10/coming-soon-person-g8026473a8_1920-removebg-preview.png\u0022 /\u003e\u003c/p\u003e\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e\u003c/section\u003e\u003c/div\u003e\u003c/div\u003e\u003c/div\u003e\u003c/section\u003e\u003c/div\u003e","protected":false},"excerpt":{"rendered":"\u003cp\u003eStudy Slides Videos 8.1 Understanding Returns The most important question is: How much money has the fund made? It’s no wonder that this is the first thing people think about. People invest in hopes of making money, and returns tell you what the fund made in the past. Historical returns sell funds—that’s why mutual fund … \u003ca title=\u0022Understanding The Performance Of Your Fund\u0022 class=\u0022read-more\u0022 href=\u0022https://www.5paisa.com/gujarati/finschool/course/financial-planning-through-mutual-funds-course/understanding-the-performance-of-your-fund/\u0022 aria-label=\u0022Read more about Understanding The Performance Of Your Fund\u0022\u003eRead more\u003c/a\u003e\u003c/p\u003e","protected":false},"author":1,"featured_media":0,"parent":11088,"menu_order":8,"comment_status":"બંધ છે","ping_status":"બંધ છે","template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"class_list":["post-24399","markets","type-markets","status-publish","format-standard","hentry"],"acf":[],"_links":{"self":[{"href":"https://www.5paisa.com/finschool/wp-json/wp/v2/markets/24399","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https://www.5paisa.com/finschool/wp-json/wp/v2/markets"}],"about":[{"href":"https://www.5paisa.com/finschool/wp-json/wp/v2/types/markets"}],"author":[{"embeddable":true,"href":"https://www.5paisa.com/finschool/wp-json/wp/v2/users/1"}],"replies":[{"embeddable":true,"href":"https://www.5paisa.com/finschool/wp-json/wp/v2/comments?post=24399"}],"version-history":[{"count":13,"href":"https://www.5paisa.com/finschool/wp-json/wp/v2/markets/24399/revisions"}],"predecessor-version":[{"id":59626,"href":"https://www.5paisa.com/finschool/wp-json/wp/v2/markets/24399/revisions/59626"}],"up":[{"embeddable":true,"href":"https://www.5paisa.com/finschool/wp-json/wp/v2/markets/11088"}],"wp:attachment":[{"href":"https://www.5paisa.com/finschool/wp-json/wp/v2/media?parent=24399"}],"wp:term":[{"taxonomy":"શ્રેણી","embeddable":true,"href":"https://www.5paisa.com/finschool/wp-json/wp/v2/categories?post=24399"}],"curies":[{"name":"wp","href":"https://api.w.org/{rel}","templated":true}]}}