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What would a model portfolio have returned?

Enter your SIP or lumpsum, when you started, and your age. We compute what an age-based model portfolio would be worth today — using actual benchmark index values, not assumptions.

Investment type
₹
% each year
Your SIP rises on every yearly anniversary of the start date.
Instalments run monthly from this month, valued at each month's benchmark closing level.
The model portfolio adapts as you age — the mix an instalment used depends on how old you were that month.
Total invested
—
Value today
—
XIRR (annualised)
—
Incl. dividend estimate

These are the returns of the age-based model portfolio, using each segment's benchmark plus an estimated dividend benefit that a mutual-fund investor would actually receive. The takeaway: most of this outcome comes from getting the age-based allocation right — not from picking a star-performing fund. An ordinary index fund tracking these segments would have landed in this ballpark.

If your own returns are below this, it usually points to one of two things:
  1. your allocation across categories (large / mid / small-cap) needs improvement, or
  2. your choice of funds within those categories needs improvement.
Either way, it's worth a closer look — the "Connect with us" option below is a good place to start.

The split across market segments follows an assumed age-based model portfolio. This is an assumption of how a model portfolio could be assigned — it is not a recommendation. Computed from published benchmark index values. Past performance does not guarantee future returns. Not investment advice.

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