Why Your SIP Returns Are Lower Than Fund's Returns | Kushal Lodha #366

In this episode of Konversation with Kushal, Mrin Agarwal, Founder Director of Finsafe India and a 30 year investment advisory veteran, explains why your SIP returns depend more on when you exit than when you start. She breaks down why the average investor earns 13.8% when the fund delivered 19.1%, why most Indian portfolios compound at just 6.4%, and why 12% corporate bonds are riskier than equity.Here's what you'll learn:1-When You Stop Matters More Than When You Start: A 12 year SIP running at 10.5% CAGR collapsed to 2.9% in just two months, and why your exit date is the single biggest factor in your returns.2-The 6.4% Portfolio Trap: Why Indian households hold only 10% in equity, and how the other 90% quietly pulls your real portfolio return below inflation.3-The Asset Allocation Reality Check: Her minimum allocation rules, why 11-12% corporate bonds carry more risk than equity, and the honest return expectations to set for equity, gold and debt.Subscribe and hit the bell to never miss an episode!#mrinagarwal #finsafe #sipinvesting #assetallocation #mutualfunds #corporatebonds #financialindependence #womenandmoney #konversationwithkushal