Should I invest in Birla Sun Life Freedom Fund-Plan A (Dividend)?

We don't give personal investment advice. Birla Sun Life Freedom Fund-Plan A (Dividend) is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 43.5%. 5-year CAGR: -3.56%.

Birla Sun Life

Birla Sun Life Freedom Fund-Plan A (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	-0.21%	+0.06%	-0.26	33 / 37	Q4
1W	-0.68%	-7.52%	+6.84	33 / 40	Q4
2W	+1.54%	-7.64%	+9.18	9 / 40	Q1
1M	-2.15%	-7.66%	+5.51	32 / 40	Q4
3M	-5.89%	-9.18%	+3.29	33 / 40	Q4
6M	-6.73%	-5.67%	-1.07	33 / 39	Q4
YTD	-15.65%	-3.70%	-11.95	35 / 40	Q4
1Y	-16.33%	-4.99%	-11.34	36 / 41	Q4
2Y	-15.13%	-11.97%	-3.16	33 / 40	Q4
3Y	-4.81%	-14.60%	+9.78	31 / 38	Q4
4Y	-9.65%	-20.79%	+11.15	22 / 29	Q4
5Y	-3.56%	-6.40%	+2.84	22 / 25	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-2.67%	-12.19%	+9.52	37 / 44	Q4

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
2011 YTD	-15.65%	-16.46%	+0.81	14 / 29
2010	-14.43%	-7.06%	-7.38	25 / 32
2009	+14.35%	+37.12%	-22.77	24 / 31
2008	-29.54%	-26.22%	-3.32	15 / 29
2007	+30.86%	+32.50%	-1.64	6 / 12
2006	—	—	—	—

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

-0.64%

56 windows

min -29.6% · max 38.2%

43% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

-3.06%

32 windows

min -11.3% · max 11.5%

31% positive

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

5-Year rolling

-1.49%

7 windows

min -3.6% · max 0.9%

14% 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

17.43%

3-year · annualised

Sharpe ratio

-0.57

vs risk-free 6.5%

Sortino ratio

-0.85

Downside-only deviation

Max drawdown

-33.96%

Jun 2009 → Oct 2011

% positive months

38.9%

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
21 Oct 2011	₹14.5500
20 Oct 2011	₹14.5800
19 Oct 2011	₹14.6600
18 Oct 2011	₹14.5100
17 Oct 2011	₹14.6500
14 Oct 2011	₹14.6500
13 Oct 2011	₹14.6000
12 Oct 2011	₹14.5900
11 Oct 2011	₹14.4300
10 Oct 2011	₹14.4300

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.

Birla Sun Life Freedom Fund-Plan A (Dividend) is a Balanced from Birla Sun Life (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Birla Sun Life Freedom Fund-Plan A (Dividend) has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 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.

Birla Sun Life Freedom Fund-Plan A (Dividend) is managed by Birla Sun Life. It's classified by AMFI under the 'Balanced' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Birla Sun Life Freedom Fund-Plan A (Dividend) has delivered a absolute return of -16.33% — -11.34 pp behind the Balanced category average of -4.99%. The fund ranks #36 of 41 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Birla Sun Life Freedom Fund-Plan A (Dividend) has delivered a CAGR of -4.81% — +9.78 pp ahead of the Balanced category average of -14.60%. The fund ranks #31 of 38 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Birla Sun Life Freedom Fund-Plan A (Dividend) has delivered a CAGR of -3.56% — +2.84 pp ahead of the Balanced category average of -6.40%. The fund ranks #22 of 25 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Birla Sun Life Freedom Fund-Plan A (Dividend) exactly 5 years ago would be worth approximately ₹83,429 today — a multiplier of 0.83×, based on the 5-year CAGR of -3.56%. The category average over the same window would have grown ₹1 lakh to ₹71,837.

A ₹10,000 monthly SIP in Birla Sun Life Freedom Fund-Plan A (Dividend) over the last 5 years — total invested ₹600,000 — would be worth ₹482,694 today. That's an XIRR (money-weighted annualised return) of -8.50%.

Birla Sun Life Freedom Fund-Plan A (Dividend) doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹482,694 — XIRR -8.50%.

On a 5-year basis, Birla Sun Life Freedom Fund-Plan A (Dividend) ranks #22 out of 25 funds in the Balanced category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -6.40%; this fund delivered -3.56%.

The worst peak-to-trough decline Birla Sun Life Freedom Fund-Plan A (Dividend) has experienced over the last 5-year window is 43.46% — its NAV fell from a high on 02 Jan 2008 to a low on 05 Oct 2011. 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, Birla Sun Life Freedom Fund-Plan A (Dividend) averaged -1.49% (best 0.90%, worst -3.56%). 14% of rolling windows ended positive. The 5-year Sharpe ratio is -0.44 — negative risk-adjusted performance.

In calendar year 2010, Birla Sun Life Freedom Fund-Plan A (Dividend) returned -14.43% — lagging the Balanced category average of -7.06% by 7.38 pp. It ranked #25 of 32 in its category that year.

Birla Sun Life Freedom Fund-Plan A (Dividend) is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. Birla Sun Life Freedom Fund-Plan A (Dividend) is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 43.5%. 5-year CAGR: -3.56%.

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