Performance Tracker
Why You Should Track Your Mutual Fund’s PerformanceWhy You Should Track Your Mutual Fund’s Performance
- When you invest your money in mutual funds, you feel happy that you are saving for your future. But just putting your money and forgetting it is not enough. You need to check how your money is growing. This is why a mutual fund performance tracker is so important. Think about it like planting a tree. You do not plant a seed and leave it forever. You water it, give it sunlight, and check if it is healthy. In the same way, a mutual fund performance tracker helps you know if your money is growing in the right direction. If your fund is doing well, you feel safe. If it is not doing well, you can take steps to improve it. Tracking performance is a simple habit that makes you a smart investor.
What Is a Mutual Fund Performance Tracker?
A mutual fund performance tracker is a simple tool that shows you how much profit or loss your fund is making. It is like a report card for your money. It tells you how much money you have put in, how much it is worth now, and how much you have gained or lost. Many websites and apps give you this tracker for free. You can see your returns for different periods like 1 month, 1 year, 3 years, or 5 years. This helps you understand how your fund is behaving in the short term and long term. Good trackers also show you a chart or graph so you can see ups and downs easily.
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Why Is It Important to Track Performance?
Imagine you are traveling in a bus. You need to know if you are on the right road, right? If the bus goes in the wrong direction, you will not reach your destination. The same is true for your mutual fund. If you do not track your fund, you may never know if it is taking you closer to your goal or moving away from it. By tracking performance, you can check if your fund is beating its benchmark index. You can see if it is doing better than other similar funds. You can also check if your fund manager is doing a good job. All this helps you make better decisions.
How Often Should You Track?
Many new investors check their fund every day. This is not good. Mutual funds go up and down every day. If you watch it daily, you may feel worried for no reason. A smart investor checks the performance once in three months or at least once in six months. This gives you a clear picture. If you have a long-term goal like retirement or buying a house in ten years, small ups and downs do not matter much. So check regularly but not too often.
How to Use a Performance Tracker
Using a performance tracker is very easy these days. Almost every investing app has one. When you log in, you can see your portfolio. It will show how much you have invested and how much it is worth now. It will also show your total returns in rupees and percentage. Some trackers also show annualized returns, which means how much you are earning every year on average. This is very useful because it helps you compare with other funds. Many trackers also show a line graph. This line shows the growth of your money over time. If the line keeps going up, your fund is doing well. If the line goes down for a long time, you should check what went wrong.
What to Do If Your Fund Is Not Performing Well
Sometimes, you may see that your fund is not doing well. Do not panic immediately. First, check if it is just a market fall. If the whole market is down, every fund will be down. This is normal. But if your fund is doing worse than other similar funds, then you need to think. Maybe the fund manager is not making good choices. Or maybe the companies in the fund are not doing well. In such cases, you can wait for a few more months to see if things improve. If there is no change for a long time, you can switch to a better performing fund. Many trackers show you other funds that are doing better so you can compare easily.
Compare with Benchmark Index
Every mutual fund has a benchmark index. This is like a target. For example, an equity fund may have the Nifty 50 index as its benchmark. If your fund is giving better returns than its benchmark, it means the fund manager is adding value. But if your fund is doing worse than the index for many years, then you should question it. Good trackers always show the benchmark returns next to your fund returns. This makes comparing very easy.
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Understand Risk-Adjusted Returns
- Let us say there is a fund called ABC Large Cap Fund. For the past five years, this fund has given 12% average annual returns, which is better than its benchmark index that gave 10%. It has a low expense ratio of 1%. Its fund manager has been handling the fund for 8 years without changing. It has a large amount of money under management, which means many people trust it. During bad market years, this fund did not lose too much compared to others. Because of all these reasons, experts give this fund a 5-star rating. So this is how a top ranked mutual fund looks in real life.
Learn from Historical Performance
Past performance is not a promise for the future. But it gives you an idea. A fund that has done well for five or ten years may do well again if the fund manager and strategy stay the same. A performance tracker lets you see the long-term picture. This is why it is better to choose funds with a good track record instead of chasing new funds that look shiny but have no history.
Use SIP Performance Trackers Too
If you invest through SIP, you should check how your SIP is growing. Many trackers have a SIP performance feature. This shows you how much you have invested over time and what it is worth now. SIPs work best when you stay for many years. The tracker helps you see how regular investing helps you grow wealth slowly and steadily.
Stay Calm During Market Falls
When you track your performance, you will sometimes see your fund value drop. This happens when the stock market falls. Do not panic and sell your units. This is the worst thing you can do. Markets always bounce back. History shows that people who stay invested for a long time always earn better returns. Your performance tracker will show this clearly if you compare short-term drops with long-term growth.
Tools You Can Use
There are many tools to track your mutual fund’s performance. Apps like Groww, Zerodha, Kuvera, and Paytm Money have easy dashboards. You can see your returns in seconds. Websites like Value Research and Moneycontrol also let you add your portfolio for free. They even send you regular emails with updates. Use the tool that feels easiest for you.
Keep Your Goals in Mind
Tracking is useful only when you know your goal. If you want your money in five years, check if your fund is on track to reach that target. If not, you may need to invest more or switch to a better fund. Do not compare your returns with others. Each person has a different goal and risk level. Focus on your plan.
Talk to Your Advisor if Needed
Sometimes you may not understand what the numbers mean. It is okay to ask for help. A good financial advisor can help you read your tracker report and suggest changes if needed. But always ask questions. Do not follow advice blindly. Understand every step.
Teach Your Family to Track
Many people invest but never check what is happening with their money. This is not smart. Teach your family to track their funds too. Even children can learn this habit. It makes them careful with money from a young age.
Keep Learning
When you use a performance tracker, you will see many words like CAGR, XIRR, absolute returns, and more. Do not get scared. Take time to learn these simple terms. They help you understand your money better. Many blogs and videos explain these in easy language.
Stay Updated with Market News
A performance tracker is good, but you should also read simple market news. This helps you understand why your fund is going up or down. For example, if the government changes a rule, it may affect some companies in your fund. Knowing this helps you stay calm and not panic.
Do Not Switch Too Often
Tracking helps you find problems, but do not keep switching funds too often. Switching has costs and taxes. Always give your fund some time to recover if it falls. Change only when you see no hope for improvement.
Celebrate Good Performance
When your tracker shows your fund is doing well, feel good. It means you made a smart choice. Use that confidence to keep investing more. Small steps every month build big wealth over years.
Use the Tracker for All Your Funds
If you have many mutual funds, use the tracker for each one. Some apps let you see all your funds together in one place. This helps you see which one is doing best, which one needs attention, and how your total money is growing.
Keep Records Safe
Always keep your investment statements and tracker reports safe. They help you plan better and also help at tax time. Many apps let you download your reports in PDF form. Save them in your email or cloud storage.
Be Consistent with Tracking
Make it a habit to check your fund performance every few months. Put a reminder in your phone. This small habit keeps you alert. Many successful investors say that discipline and tracking are the secrets to building wealth.
Enjoy the Journey
Investing is not a one-day thing. It is a journey of many years. Tracking your performance is like checking your progress on a long trip. When you see your money grow, you feel proud and motivated to stay on track. So enjoy the journey and trust the process.
Keep Growing with Smart Tracking
Your mutual fund performance tracker is your best friend on this journey. It shows you the truth about your money. It keeps you away from bad choices and helps you stay on your goal. So keep using it wisely, learn from it, and let your money grow while you stay stress-free and happy.
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