Should I invest in ING Balanced Fund?

We don't give personal investment advice. ING Balanced Fund-Dividend Option 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: 38.7%. 5-year CAGR: 1.28%.

ING

ING Balanced Fund-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	+1.15%	+0.06%	+1.09	1 / 37	Q1
1W	+0.06%	-7.52%	+7.58	22 / 40	Q3
2W	+0.60%	-7.64%	+8.25	14 / 40	Q2
1M	-1.30%	-7.66%	+6.36	26 / 40	Q3
3M	+4.05%	-9.18%	+13.23	2 / 40	Q1
6M	+16.23%	-5.67%	+21.89	3 / 39	Q1
YTD	+22.72%	-3.70%	+26.42	5 / 40	Q1
1Y	+27.79%	-4.99%	+32.79	2 / 41	Q1
2Y	-4.79%	-11.97%	+7.18	30 / 40	Q3
3Y	-0.22%	-14.60%	+14.38	26 / 38	Q3
4Y	-3.06%	-20.79%	+17.73	21 / 29	Q3
5Y	+1.28%	-6.40%	+7.68	17 / 25	Q3
7Y	+0.50%	-10.74%	+11.24	13 / 19	Q3
10Y	—	—	—	—	—
Inception	+3.77%	-12.19%	+15.95	15 / 44	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
2014 YTD	+22.72%	+7.48%	+15.24	12 / 19
2013	-28.96%	+0.94%	-29.90	21 / 21
2012	+20.30%	+19.42%	+0.88	15 / 25
2011	-15.24%	-16.46%	+1.22	12 / 29
2010	+13.05%	-7.06%	+20.10	9 / 32
2009	+56.21%	+37.12%	+19.08	10 / 31
2008	-44.51%	-26.22%	-18.29	27 / 29
2007	+45.52%	+32.50%	+13.02	3 / 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

+5.98%

92 windows

min -45.8% · max 70.6%

64% positive

3-Year rolling

+3.76%

68 windows

min -11.6% · max 21.9%

68% positive

5-Year rolling

+4.15%

44 windows

min -3.6% · max 11.8%

86% positive

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

7-Year rolling

+1.59%

19 windows

min 0.2% · max 3.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

24.13%

3-year · annualised

Sharpe ratio

-0.13

vs risk-free 6.5%

Sortino ratio

-0.15

Downside-only deviation

Max drawdown

-38.67%

Jan 2013 → Aug 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
9 Oct 2014	₹16.6900
8 Oct 2014	₹16.5000
7 Oct 2014	₹16.5400
1 Oct 2014	₹16.6800
30 Sep 2014	₹16.7000
29 Sep 2014	₹16.7200
26 Sep 2014	₹16.7200
25 Sep 2014	₹16.5900
24 Sep 2014	₹16.8100
23 Sep 2014	₹16.8700

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.

ING Balanced Fund-Dividend Option is a Balanced from ING (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.

ING Balanced Fund-Dividend Option 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.

ING Balanced Fund-Dividend Option is managed by ING. It's classified by AMFI under the 'Balanced' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ING Balanced Fund-Dividend Option has delivered a absolute return of 27.79% — +32.79 pp ahead of the Balanced category average of -4.99%. The fund ranks #2 of 41 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ING Balanced Fund-Dividend Option has delivered a CAGR of -0.22% — +14.38 pp ahead of the Balanced category average of -14.60%. The fund ranks #26 of 38 in its category — the third (Q3) quartile.

Over the trailing 5-year window, ING Balanced Fund-Dividend Option has delivered a CAGR of 1.28% — +7.68 pp ahead of the Balanced category average of -6.40%. The fund ranks #17 of 25 in its category — the third (Q3) quartile.

₹1 lakh invested in ING Balanced Fund-Dividend Option exactly 5 years ago would be worth approximately ₹106,578 today — a multiplier of 1.07×, based on the 5-year CAGR of 1.28%. The category average over the same window would have grown ₹1 lakh to ₹71,837.

A ₹10,000 monthly SIP in ING Balanced Fund-Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹621,756 today. That's an XIRR (money-weighted annualised return) of 1.40%.

ING Balanced Fund-Dividend Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹923,303 — XIRR 2.66%.

On a 5-year basis, ING Balanced Fund-Dividend Option ranks #17 out of 25 funds in the Balanced category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -6.40%; this fund delivered 1.28%.

The worst peak-to-trough decline ING Balanced Fund-Dividend Option has experienced over the last 5-year window is 38.67% — its NAV fell from a high on 21 Jan 2013 to a low on 28 Aug 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, ING Balanced Fund-Dividend Option averaged 4.15% (best 11.76%, worst -3.61%). 86% of rolling windows ended positive. The 5-year Sharpe ratio is -0.14 — negative risk-adjusted performance.

In calendar year 2013, ING Balanced Fund-Dividend Option returned -28.96% — lagging the Balanced category average of 0.94% by 29.90 pp. It ranked #21 of 21 in its category that year.

ING Balanced Fund-Dividend Option 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. ING Balanced Fund-Dividend Option 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: 38.7%. 5-year CAGR: 1.28%.

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