Should I invest in ING Balanced Fund?

We don't give personal investment advice. ING Balanced Fund-Growth 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: 18.8%. 5-year CAGR: 9.58%.

ING

ING Balanced Fund-Growth 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	+1.11%	+0.06%	+1.06	2 / 37	Q1
1W	+0.03%	-7.52%	+7.55	23 / 40	Q3
2W	+0.57%	-7.64%	+8.21	18 / 40	Q2
1M	-1.34%	-7.66%	+6.32	27 / 40	Q3
3M	+4.03%	-9.18%	+13.21	3 / 40	Q1
6M	+16.23%	-5.67%	+21.89	2 / 39	Q1
YTD	+22.76%	-3.70%	+26.47	4 / 40	Q1
1Y	+27.77%	-4.99%	+32.76	3 / 41	Q1
2Y	+15.94%	-11.97%	+27.91	8 / 40	Q1
3Y	+13.76%	-14.60%	+28.36	4 / 38	Q1
4Y	+6.96%	-20.79%	+27.75	8 / 29	Q2
5Y	+9.58%	-6.40%	+15.98	9 / 25	Q2
7Y	+6.32%	-10.74%	+17.06	9 / 19	Q2
10Y	—	—	—	—	—
Inception	+8.68%	-12.19%	+20.86	10 / 44	Q1

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	+22.76%	+7.48%	+15.28	11 / 19
2013	+5.26%	+0.94%	+4.32	5 / 21
2012	+20.30%	+19.42%	+0.88	16 / 25
2011	-15.25%	-16.46%	+1.21	13 / 29
2010	+13.03%	-7.06%	+20.09	10 / 32
2009	+56.23%	+37.12%	+19.11	9 / 31
2008	-44.49%	-26.22%	-18.27	26 / 29
2007	+45.53%	+32.50%	+13.03	2 / 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

+10.56%

92 windows

min -45.8% · max 70.7%

77% positive

3-Year rolling

+7.41%

68 windows

min -3.2% · max 21.9%

96% positive

5-Year rolling

+7.78%

44 windows

min 0.7% · max 16.3%

100% positive

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

7-Year rolling

+7.48%

19 windows

min 6.0% · max 9.5%

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

12.39%

3-year · annualised

Sharpe ratio

0.58

vs risk-free 6.5%

Sortino ratio

1.34

Downside-only deviation

Max drawdown

-11.37%

May 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	₹35.3800
8 Oct 2014	₹34.9900
7 Oct 2014	₹35.0600
1 Oct 2014	₹35.3700
30 Sep 2014	₹35.4100
29 Sep 2014	₹35.4400
26 Sep 2014	₹35.4400
25 Sep 2014	₹35.1800
24 Sep 2014	₹35.6400
23 Sep 2014	₹35.7600

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-Growth 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-Growth 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-Growth 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-Growth Option has delivered a absolute return of 27.77% — +32.76 pp ahead of the Balanced category average of -4.99%. The fund ranks #3 of 41 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ING Balanced Fund-Growth Option has delivered a CAGR of 13.76% — +28.36 pp ahead of the Balanced category average of -14.60%. The fund ranks #4 of 38 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ING Balanced Fund-Growth Option has delivered a CAGR of 9.58% — +15.98 pp ahead of the Balanced category average of -6.40%. The fund ranks #9 of 25 in its category — the second (Q2) quartile.

₹1 lakh invested in ING Balanced Fund-Growth Option exactly 5 years ago would be worth approximately ₹158,017 today — a multiplier of 1.58×, based on the 5-year CAGR of 9.58%. The category average over the same window would have grown ₹1 lakh to ₹71,837.

A ₹10,000 monthly SIP in ING Balanced Fund-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹816,791 today. That's an XIRR (money-weighted annualised return) of 12.28%.

ING Balanced Fund-Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,263,900 — XIRR 11.46%.

On a 5-year basis, ING Balanced Fund-Growth Option ranks #9 out of 25 funds in the Balanced category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -6.40%; this fund delivered 9.58%.

The worst peak-to-trough decline ING Balanced Fund-Growth Option has experienced over the last 5-year window is 18.76% — its NAV fell from a high on 10 Nov 2010 to a low on 20 Dec 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, ING Balanced Fund-Growth Option averaged 7.78% (best 16.25%, worst 0.75%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.28 — weak risk-adjusted performance.

In calendar year 2013, ING Balanced Fund-Growth Option returned 5.26% — beating the Balanced category average of 0.94% by 4.32 pp. It ranked #5 of 21 in its category that year.

ING Balanced Fund-Growth 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-Growth 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: 18.8%. 5-year CAGR: 9.58%.

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