Is a 19% XIRR good? The debate on a single number reveals how retail investors judge performance, compare mutual funds to direct equity, and lean on benchmarks [1].
What counts as good? • Anything above the benchmark XIRR is considered alpha and is good [1]. • Anything above 15% is good; above 20% is great [1]. • Average long-term equity return should be around 13% [1]. • 19% is an outlier [1]. • Use the NIFTY XIRR as the benchmark [1].
From 2020 onward, many investors have pursued SIPs, with some at 33k per month; the conversation highlights that benchmarks shape decisions and expectations for mutual funds versus direct equity [1].
Bottom line: a high XIRR grabs attention, but sustained, benchmark-aligned performance matters for long-term goals and SIP-driven journeys [1].
References
How much XIRR is considered good?
Investor asks if 19% XIRR is good; cites benchmarks, mutual funds, and long-term equity expectations while SIPs persist.
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