HDFC Retirement Fund - Hybrid-Equity Plan - Direct Plan - Growth Option

HDFC Mutual Fund

Solution Oriented Schemes ** - Retirement Fund

Higher than todayLower than todayTodayBest dayNot a SIP date

Each SIP date shows its full-history XIRR. Green dates were higher than today’s date; red dates were lower. Weakest to strongest across all 28 is 0.11 pp, and the deeper the fill, the further from today’s figure that date sat. Tap a date (1–28) to compare it with the named day; that does not change the answer.

The 26th

Thin edge

The 26th had the highest full-history XIRR for this fund. The same dates kept doing well across the history, but by very little: 0.08 pp above the middle of the month.

Missing one instalment costs more than picking this date over a typical one.

The date with the highest XIRR and the date with the highest final value differ here, which points to noise.

For a notional ₹10,000 monthly SIP, the highest- and lowest-value dates (the 1st and 27th) ended ₹19,692 apart on ₹12.7 lakh invested, 0.8% of the ₹24.0 lakh it grew to, over 10.6 years.

The highest and lowest XIRR were on the 26th and the 9th.

I SIP on theDoes not change the named day.

What to keep in mind

The date with the highest return and the date that ended with the most money are not the same date here. When two measures of the same question disagree, the difference between the dates is noise.