Should I invest in AIG Quarterly Interval Fund II Retail Plan?

We don't give personal investment advice. AIG Quarterly Interval Fund II Retail Plan-Dividend is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 2.1%. 5-year CAGR: 0.29%.

AIG Global Investment Group

AIG Quarterly Interval Fund II Retail Plan-Dividend

Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.02%	-7.11%	+7.13	67 / 732	Q1
1W	+0.13%	-12.64%	+12.77	126 / 699	Q1
2W	+0.27%	-12.71%	+12.98	123 / 712	Q1
1M	+0.58%	-12.43%	+13.01	144 / 754	Q1
3M	-0.09%	-11.47%	+11.38	392 / 740	Q3
6M	-0.28%	-9.57%	+9.28	416 / 680	Q3
YTD	+0.52%	-9.94%	+10.46	344 / 704	Q2
1Y	+1.38%	-7.10%	+8.48	324 / 627	Q3
2Y	+0.42%	-7.27%	+7.69	74 / 143	Q3
3Y	+0.07%	-2.77%	+2.84	52 / 83	Q3
4Y	+0.04%	+0.17%	-0.14	46 / 70	Q3
5Y	+0.29%	+0.12%	+0.17	36 / 66	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+0.27%	-6.12%	+6.39	371 / 770	Q2

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2015 YTD	+0.52%	-1.44%	+1.97	25 / 56
2014	-0.66%	+4.04%	-4.70	46 / 46
2013	+1.47%	+2.99%	-1.51	23 / 51
2012	-0.53%	+3.57%	-4.10	54 / 54
2011	-0.14%	+2.03%	-2.17	58 / 66
2010	+0.81%	-4.87%	+5.68	53 / 143
2009	-0.66%	-9.70%	+9.04	359 / 552
2008	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+0.04%

67 windows

min -2.2% · max 1.7%

40% positive

3-Year rolling

+0.11%

42 windows

min -0.5% · max 0.7%

74% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+0.13%

18 windows

min -0.3% · max 0.4%

83% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

3.13%

3-year · annualised

Sharpe ratio

-2.03

vs risk-free 6.5%

Sortino ratio

-2.46

Downside-only deviation

Max drawdown

-2.11%

Oct 2013 → Oct 2013

% positive months

69.4%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Recent NAVs

Date	NAV
28 Jan 2015	₹1,017.9975
27 Jan 2015	₹1,017.8038
23 Jan 2015	₹1,017.0285
22 Jan 2015	₹1,016.8352
21 Jan 2015	₹1,016.6431
20 Jan 2015	₹1,016.4475
19 Jan 2015	₹1,016.2540
16 Jan 2015	₹1,015.6838
15 Jan 2015	₹1,015.4937
14 Jan 2015	₹1,015.2973

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

AIG Quarterly Interval Fund II Retail Plan-Dividend is a Income from AIG Global Investment Group (Retail plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

AIG Quarterly Interval Fund II Retail Plan-Dividend has NAV history starting from 29 Aug 2008, a track record of about 17 years 9 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

AIG Quarterly Interval Fund II Retail Plan-Dividend is managed by AIG Global Investment Group. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, AIG Quarterly Interval Fund II Retail Plan-Dividend has delivered a absolute return of 1.38% — +8.48 pp ahead of the Income category average of -7.10%. The fund ranks #324 of 627 in its category — the third (Q3) quartile.

Over the trailing 3-year window, AIG Quarterly Interval Fund II Retail Plan-Dividend has delivered a CAGR of 0.07% — +2.84 pp ahead of the Income category average of -2.77%. The fund ranks #52 of 83 in its category — the third (Q3) quartile.

Over the trailing 5-year window, AIG Quarterly Interval Fund II Retail Plan-Dividend has delivered a CAGR of 0.29% — +0.17 pp ahead of the Income category average of 0.12%. The fund ranks #36 of 66 in its category — the third (Q3) quartile.

₹1 lakh invested in AIG Quarterly Interval Fund II Retail Plan-Dividend exactly 5 years ago would be worth approximately ₹101,436 today — a multiplier of 1.01×, based on the 5-year CAGR of 0.29%. The category average over the same window would have grown ₹1 lakh to ₹100,600.

A ₹10,000 monthly SIP in AIG Quarterly Interval Fund II Retail Plan-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹604,064 today. That's an XIRR (money-weighted annualised return) of 0.27%.

AIG Quarterly Interval Fund II Retail Plan-Dividend doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹604,064 — XIRR 0.27%.

On a 5-year basis, AIG Quarterly Interval Fund II Retail Plan-Dividend ranks #36 out of 66 funds in the Income category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 0.12%; this fund delivered 0.29%.

The worst peak-to-trough decline AIG Quarterly Interval Fund II Retail Plan-Dividend has experienced over the last 5-year window is 2.11% — its NAV fell from a high on 11 Oct 2013 to a low on 14 Oct 2013. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, AIG Quarterly Interval Fund II Retail Plan-Dividend averaged 0.13% (best 0.36%, worst -0.25%). 83% of rolling windows ended positive. The 5-year Sharpe ratio is -2.10 — negative risk-adjusted performance.

In calendar year 2014, AIG Quarterly Interval Fund II Retail Plan-Dividend returned -0.66% — lagging the Income category average of 4.04% by 4.70 pp. It ranked #46 of 46 in its category that year.

AIG Quarterly Interval Fund II Retail Plan-Dividend is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. AIG Quarterly Interval Fund II Retail Plan-Dividend is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 2.1%. 5-year CAGR: 0.29%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.