Investing· 06 Nov 2026· 4 min read
Why your SIP return is not your portfolio return
The number in the app is not the number in your bank account.
By Manas Madrecha
Why your SIP return is not your portfolio return
The number in the app is not the number in your bank account.
The two numbers
A SIP return is money-weighted; a portfolio return is time-weighted. They answer different questions.
What to do
Read both, then decide with the goal in front of you.
Investing