I will be completing 9 years in the fund with 21% XIRR. Abhishek singh of DSP who’s views I closely follow posted a very powerful tweet sometime back which I can completely relate to, especially after witnessing this particular investing outcome
When most of the literature focuses on “selecting” mutual fund scheme, what scheme one selects is not an important variable in our investment outcome. As Abhishek Singh highlights its not even in top 5
Following are top 5 factors according to me which decide mutual fund investment outcome
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Not being pro cyclical
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Disciplined contribution
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Decisions taken during underperformance of the scheme
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Decisions taken during market correction
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Time horizon
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