Common questions
What does CAGR actually mean?
CAGR is the rate at which an investment would have grown if it grew at a steady rate every year. It's not a real year-by-year return — it's a smoothed average that lets you compare investments held for different lengths of time. A stock that went ₹1L → ₹2.5L in 5 years has a CAGR of ~20%, regardless of how bumpy the journey was.
CAGR vs XIRR — what's the difference?
CAGR assumes you invested a single lump sum. XIRR is more accurate for SIPs or investments with multiple contributions at different times. For a simple buy-and-hold stock, use CAGR. For mutual fund SIPs or systematic investments, use XIRR. Worthly calculates your actual XIRR on every holding automatically.
What's a good CAGR for India investments?
Anything above 12–13% is beating the Nifty 50's long-run average and is considered good for equity. Anything above 6% is beating FD rates. Anything below India's ~5.5% inflation rate means your real wealth is declining. The threshold most planners use: a healthy equity portfolio should deliver 12–15% CAGR over 10+ years.
How do I see the CAGR of my actual portfolio?
Worthly shows the XIRR (time-weighted return) for every stock and mutual fund you hold — which is the most accurate measure when you've done multiple buys over time.
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