When i closely observe the periods of “zero returns”, they are not flat…there are ups and downs during that time. Only the definition of zero return is starting point of the zero return period and ending point are same. This is applicable to people who put all their capital at one point of time( may be start of zero return period) and withdraw at one point of time ( end point of zero return period). But for a person like me, who will be investing regularly during this zero return period and also withdrawing regulary for expenses, I will have multiple points of entry and exits during zero return periods and hence there wont be relative zero return for me.
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