Almost Back to the Invested Value

I have been investing in Mutual Funds from the last 4 years, May 2016 to be exact. I have started with Rs 1000 per month, i.e. roughly $14. Every passing year, I have added more and more money to the mutual fund portfolio and thus now I invest almost Rs 7000 i.e. $100 per month.

I have seen many ups and downs but the recent crash made my investment portfolio down by almost 25 percent, I was on sitting on a profit of 12% in the month of February, i.e. my investment portfolio was down almost 37% from the ATH.

All Time Portfolio

Since we all know "Mutual fund investment is subject to market risk", we should not worry about it too much because if it's failing today it will rise tomorrow. I have also bought some more units when it was down so that in the long run it will benefit my portfolio averaging.

Last one year

Today when I checked I say that my total returns are down only $275, i.e. 0.8% of my total investment whereas XIRR (Extended Internal Rate of Return) is just down 1.06%, which will be covered in some months or even some days. The last 5 sessions were really great where it was recovered most because of UNLOCK 1.0. The economy seems to be coming well on track with the coronavirus scare, but still, we need to be cautious as the market seems to be volatile.

I am thinking there will be one more round of downward trend coming in some time, maybe weeks time or months, but since the recession is started we will see the downward trend in the future that's for sure. But whatever happens, I will continue investing in my portfolio for at least 10 years to meet my target.

My target which I have set for my self for 10 years seems to be realistic even if I have seen ups and downs in the market, and I always prefer that short term ups and downs will actually help you to gain more if you are a long term investor.

Do you invest in Mutual Fund, hows your portfolio shaping up? Happy Investing