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Mutual Funds

Nifty's Best March Ever With a 10% Return, But Multi Year SIPs Now In Single Digits


This was a phenomenal March by any standards, with a 10%+ return for the month. That’s the second highest that the Nifty has ever seen in March, just ahead of the 10.7% in 2006.

Nifty Monthly Returns

And then we have a fantastic Sensex too (which had a better March in 2006 but a way better number in 1992). Click for a larger image:

Sensex Monthly Returns

SIP returns for the Three, Five and 10 year terms now under 10% each

If you had done a regular investment in the Sensex you would get 9.9% annualized returns on your money for a three year term. But even the five year term is now just 8.1%, and the ten year term is abysmal at 5.3%.

Sensex SIP Returns

Sure some mutual funds have done better – and you should consider a 2% dividend yield that would have juiced up your returns too, but these numbers are way below the “historical” growth numbers that show that equities have made us 18% returns. It’s time to accept and live with a lower yield on both fixed deposits and equities, perhaps?


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