How much return I will get?

Asking "how much interest I will get?" is very common when one looks for investment in any secured instrument like FD, PO, PPF, etc.  However, asking the same question "how much return I will get?" from market-linked instruments like MF, is a fundamentally wrong question.

Although returns depend on various factors like: 

• In which asset class you have invested in - Equity, Hybrid, Debt, Liquid, Gold, REIT
• How do you invest - lumpsum / SIP
• The time period of your investment
• What was the valuation ratio - PE / EPS / Market Capitalization & GDP
• During Bull Phase or Bear Phase
• Who is Fund House & Fund Manager
• Scheme or Stock past performance

However, it is observed the investor returns differ from the scheme returns i.e. what the investor gets is always lesser than what the scheme generates. 

And why this happens so common? The final return which investor gets totally depends on their behavior finance i.e. their mindset, attitude, emotion & biases. They get excited or panic with every news which affects their portfolio adversely. The Scheme performs as per the market movement, but the investor fails to perform in a volatile market and loses patience. 

The return, specially equity-based MF scheme, totally depends on the investors, not on the fund house or fund manager, or advisor. Market undergo various phases like euphoria, deep correction, volatility, sideline or consolidation, etc. One should look at their asset allocation and investment goals. Therefore stay disciplined in your investment journey to get a better return, not a lesser return.