
Please advise on my portfolio returns
I have been investing from last 3 years . My overall portfolio contains 3 major parts 50% is invested in mutual funds and share market 30% is in gold 20% is in FD Over 3 years of my investing journey I am able to get only 10% XIRR 🥲 Please advice how I can get more returns because even in this bull run market and all I am still getting this much low
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I myself is not good. You can try smallcase. I think they are SEBI registered people who recommend some stocks to buy in a smallcase . There are both free and paid plans. You can try based on your risk capacity.
I had read few books and for now i try to read newsletters and news here and there . And then I pick stock for myself.

XIRR at portfolio level or mutual funds? XIRR of mutual funds is bad if it's 10%, pure index returns are much better.