Should I invest in Fidelity Wealth Builder Fund - Plan B?

We don't give personal investment advice. Fidelity Wealth Builder Fund - Plan B - Growth Option is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding.

Fidelity

Fidelity Wealth Builder Fund - Plan B - Growth Option

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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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	-0.06%	-2.07%	+2.01	74 / 84	Q4
1W	-0.12%	-13.38%	+13.26	36 / 94	Q2
2W	-0.42%	-13.67%	+13.26	38 / 94	Q2
1M	-0.29%	-13.46%	+13.17	38 / 94	Q2
3M	+2.49%	-12.45%	+14.94	22 / 94	Q1
6M	+6.86%	-9.59%	+16.44	21 / 94	Q1
YTD	+10.96%	-9.01%	+19.97	17 / 94	Q1
1Y	+11.75%	-3.44%	+15.19	19 / 92	Q1
2Y	+4.58%	-3.39%	+7.97	46 / 89	Q3
3Y	+5.54%	-3.08%	+8.63	51 / 89	Q3
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+10.03%	-6.21%	+16.23	27 / 94	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
2012 YTD	+10.96%	+13.97%	-3.01	21 / 32
2011	-2.62%	-6.94%	+4.32	11 / 22
2010	+8.27%	+7.82%	+0.45	12 / 31
2009	—	—	—	—

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

+6.96%

34 windows

min -1.6% · max 25.1%

91% positive

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

3-Year rolling

+6.95%

10 windows

min 5.5% · max 10.4%

100% positive

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

5-Year rolling

—

Insufficient history

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

4.43%

3-year · annualised

Sharpe ratio

-0.22

vs risk-free 6.5%

Sortino ratio

-0.40

Downside-only deviation

Max drawdown

-4.63%

Nov 2010 → Feb 2011

% positive months

66.7%

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.

Peers in Fund of Funds - Domestic

Scheme	Fund house	NAV	As of
HDFC Income Plus Arbitrage Active FOF - IDCW Option	HDFC	₹35.7271	10 Jun 2026
Nippon India Diversified Equity Flexicap Passive FoF - IDCW Option	Nippon India	₹19.9139	10 Jun 2026
ICICI Prudential Aggressive Plan	ICICI Prudential	₹163.1325	10 Jun 2026
QUANTUM EQUITY FUND OF FUNDS-Dividend Plan	Quantum	₹81.4910	9 Jun 2026
Franklin India Income Plus Arbitrage Active Fund of Funds- IDCW	Franklin India	₹22.0589	9 Jun 2026
FT India Dynamic PE Ratio Fund of Funds-Dividend	Franklin Templeton	₹39.8467	9 Jun 2026
Kotak Gold Fund Payout of Income Distribution cum capital withdrawal option	Kotak	₹55.8496	10 Jun 2026
Kotak Equity-FOF-Dividend	Kotak Mahindra	₹244.4560	9 Jun 2026
HSBC Aggressive Hybrid Active FOF - Dividend	HSBC	₹28.7321	9 Jun 2026
IDFC - All Seasons Bond Fund - Annual Dividend	IDFC	₹14.6259	10 Jun 2026

Recent NAVs

Date	NAV
22 Nov 2012	₹14.3379
21 Nov 2012	₹14.3462
20 Nov 2012	₹14.3217
19 Nov 2012	₹14.3214
16 Nov 2012	₹14.3162
15 Nov 2012	₹14.3548
12 Nov 2012	₹14.3774
9 Nov 2012	₹14.3679
8 Nov 2012	₹14.3978
7 Nov 2012	₹14.4147

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.

Fidelity Wealth Builder Fund - Plan B - Growth Option is a Fund of Funds - Domestic from Fidelity (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.

Fidelity Wealth Builder Fund - Plan B - Growth Option has NAV history starting from 02 Mar 2009, a track record of about 17 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.

Fidelity Wealth Builder Fund - Plan B - Growth Option is managed by Fidelity. It's classified by AMFI under the 'Fund of Funds - Domestic' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Fidelity Wealth Builder Fund - Plan B - Growth Option has delivered a absolute return of 11.75% — +15.19 pp ahead of the Fund of Funds - Domestic category average of -3.44%. The fund ranks #19 of 92 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Fidelity Wealth Builder Fund - Plan B - Growth Option has delivered a CAGR of 5.54% — +8.63 pp ahead of the Fund of Funds - Domestic category average of -3.08%. The fund ranks #51 of 89 in its category — the third (Q3) quartile.

Fidelity Wealth Builder Fund - Plan B - Growth Option doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in Fidelity Wealth Builder Fund - Plan B - Growth Option exactly 3 years ago would be worth approximately ₹117,574 today — a multiplier of 1.18×, based on the 3-year CAGR of 5.54%. The category average over the same window would have grown ₹1 lakh to ₹91,037.

A ₹10,000 monthly SIP in Fidelity Wealth Builder Fund - Plan B - Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹395,967 today. That's an XIRR (money-weighted annualised return) of 6.26%.

Fidelity Wealth Builder Fund - Plan B - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹395,967 — XIRR 6.26%.

On a 3-year basis, Fidelity Wealth Builder Fund - Plan B - Growth Option ranks #51 out of 89 funds in the Fund of Funds - Domestic category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -3.08%; this fund delivered 5.54%.

The worst peak-to-trough decline Fidelity Wealth Builder Fund - Plan B - Growth Option has experienced over the last 3-year window is 4.63% — its NAV fell from a high on 09 Nov 2010 to a low on 10 Feb 2011. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, Fidelity Wealth Builder Fund - Plan B - Growth Option averaged 6.95% (best 10.42%, worst 5.54%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -0.22 — negative risk-adjusted performance.

In calendar year 2011, Fidelity Wealth Builder Fund - Plan B - Growth Option returned -2.62% — beating the Fund of Funds - Domestic category average of -6.94% by 4.32 pp. It ranked #11 of 22 in its category that year.

Fidelity Wealth Builder Fund - Plan B - Growth Option doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Fidelity Wealth Builder Fund - Plan B - Growth Option is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding.

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