Should I invest in AIG Short Term Fund-Monthly Dividend Option?

We don't give personal investment advice. AIG Short Term Fund-Institutional Plan-Monthly Dividend Option 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: 1.9%. 5-year CAGR: 0.18%.

AIG Global Investment Group

AIG Short Term Fund-Institutional Plan-Monthly Dividend Option

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	+0.01%	+6.99%	-6.98	129 / 763	Q1
1W	-1.17%	+6.38%	-7.54	427 / 722	Q3
2W	-0.71%	+6.63%	-7.34	399 / 725	Q3
1M	-0.12%	+6.29%	-6.41	374 / 752	Q2
3M	-0.03%	+7.87%	-7.89	434 / 728	Q3
6M	-0.02%	+9.67%	-9.69	450 / 642	Q3
YTD	-0.25%	+8.47%	-8.72	465 / 666	Q3
1Y	+0.16%	+13.70%	-13.54	375 / 591	Q3
2Y	+0.12%	-5.03%	+5.16	112 / 197	Q3
3Y	+0.27%	-3.09%	+3.36	72 / 140	Q3
4Y	+0.22%	+1.62%	-1.40	64 / 119	Q3
5Y	+0.18%	-0.16%	+0.34	52 / 102	Q3
7Y	+0.14%	+2.05%	-1.91	36 / 64	Q3
10Y	—	—	—	—	—
Inception	+0.14%	-3.28%	+3.42	396 / 797	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	-0.25%	+2.23%	-2.47	56 / 65
2014	+0.19%	+2.77%	-2.58	48 / 82
2013	-0.06%	+1.77%	-1.83	90 / 101
2012	+0.69%	-0.30%	+1.00	43 / 113
2011	+0.04%	+1.75%	-1.71	63 / 109
2010	+0.04%	-0.95%	+0.99	112 / 165
2009	-0.14%	-0.31%	+0.16	330 / 482
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

+0.16%

72 windows

min -0.8% · max 1.0%

65% positive

3-Year rolling

+0.20%

48 windows

min -0.1% · max 0.4%

83% positive

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

5-Year rolling

+0.17%

24 windows

min 0.1% · max 0.2%

100% 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

0.77%

3-year · annualised

Sharpe ratio

-8.02

vs risk-free 6.5%

Sortino ratio

-11.45

Downside-only deviation

Max drawdown

-1.93%

Jan 2013 → Jul 2013

% positive months

55.6%

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	₹1,010.4349
27 Jan 2015	₹1,010.2961
23 Jan 2015	₹1,023.0218
22 Jan 2015	₹1,022.5145
21 Jan 2015	₹1,022.3847
20 Jan 2015	₹1,021.6587
19 Jan 2015	₹1,021.0178
16 Jan 2015	₹1,020.6498
15 Jan 2015	₹1,019.8776
14 Jan 2015	₹1,017.6169

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 Short Term Fund-Institutional Plan-Monthly Dividend Option is a Income from AIG Global Investment Group (Institutional 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 Short Term Fund-Institutional Plan-Monthly Dividend Option has NAV history starting from 07 Mar 2008, a track record of about 18 years 3 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 Short Term Fund-Institutional Plan-Monthly Dividend Option 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 Short Term Fund-Institutional Plan-Monthly Dividend Option has delivered a absolute return of 0.16% — -13.54 pp behind the Income category average of 13.70%. The fund ranks #375 of 591 in its category — the third (Q3) quartile.

Over the trailing 3-year window, AIG Short Term Fund-Institutional Plan-Monthly Dividend Option has delivered a CAGR of 0.27% — +3.36 pp ahead of the Income category average of -3.09%. The fund ranks #72 of 140 in its category — the third (Q3) quartile.

Over the trailing 5-year window, AIG Short Term Fund-Institutional Plan-Monthly Dividend Option has delivered a CAGR of 0.18% — +0.34 pp ahead of the Income category average of -0.16%. The fund ranks #52 of 102 in its category — the third (Q3) quartile.

₹1 lakh invested in AIG Short Term Fund-Institutional Plan-Monthly Dividend Option exactly 5 years ago would be worth approximately ₹100,904 today — a multiplier of 1.01×, based on the 5-year CAGR of 0.18%. The category average over the same window would have grown ₹1 lakh to ₹99,222.

A ₹10,000 monthly SIP in AIG Short Term Fund-Institutional Plan-Monthly Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹602,851 today. That's an XIRR (money-weighted annualised return) of 0.19%.

AIG Short Term Fund-Institutional Plan-Monthly Dividend Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹602,851 — XIRR 0.19%.

On a 5-year basis, AIG Short Term Fund-Institutional Plan-Monthly Dividend Option ranks #52 out of 102 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 -0.16%; this fund delivered 0.18%.

The worst peak-to-trough decline AIG Short Term Fund-Institutional Plan-Monthly Dividend Option has experienced over the last 5-year window is 1.93% — its NAV fell from a high on 15 Jan 2013 to a low on 16 Jul 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 Short Term Fund-Institutional Plan-Monthly Dividend Option averaged 0.17% (best 0.22%, worst 0.09%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -10.32 — negative risk-adjusted performance.

In calendar year 2014, AIG Short Term Fund-Institutional Plan-Monthly Dividend Option returned 0.19% — lagging the Income category average of 2.77% by 2.58 pp. It ranked #48 of 82 in its category that year.

AIG Short Term Fund-Institutional Plan-Monthly Dividend Option 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 Short Term Fund-Institutional Plan-Monthly Dividend Option 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: 1.9%. 5-year CAGR: 0.18%.

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