Should I invest in ING C.U.B (Competitive Upcoming Businesses) Fund-Bonus Option?

We don't give personal investment advice. ING C.U.B (Competitive Upcoming Businesses) Fund-Bonus 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. Worst 5-year drawdown: 75.5%. 5-year CAGR: 3.12%.

ING

ING C.U.B (Competitive Upcoming Businesses) Fund-Bonus 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	-0.37%	+0.06%	-0.44	232 / 299	Q4
1W	-2.76%	-3.61%	+0.85	246 / 303	Q4
2W	-8.46%	-4.52%	-3.94	266 / 303	Q4
1M	-6.16%	-5.64%	-0.52	228 / 302	Q4
3M	-13.71%	-4.27%	-9.44	255 / 302	Q4
6M	-21.21%	+1.48%	-22.69	278 / 307	Q4
YTD	-27.94%	-0.18%	-27.76	282 / 309	Q4
1Y	-27.08%	+7.10%	-34.18	281 / 307	Q4
2Y	-6.68%	+2.20%	-8.89	224 / 303	Q3
3Y	+22.98%	+0.76%	+22.22	18 / 264	Q1
4Y	-10.25%	+0.58%	-10.84	212 / 235	Q4
5Y	+3.12%	+0.02%	+3.10	124 / 208	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+5.72%	+0.51%	+5.21	134 / 310	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
2011 YTD	-27.94%	-23.68%	-4.26	182 / 241
2010	+20.38%	+11.69%	+8.69	51 / 256
2009	+103.96%	+65.86%	+38.10	15 / 238
2008	-67.62%	-52.86%	-14.76	187 / 198
2007	+85.52%	+42.91%	+42.61	8 / 137
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

+18.56%

52 windows

min -67.9% · max 160.0%

62% positive

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

3-Year rolling

+7.87%

28 windows

min -5.5% · max 29.1%

86% positive

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

5-Year rolling

+6.24%

4 windows

min 3.1% · max 9.2%

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

29.47%

3-year · annualised

Sharpe ratio

0.62

vs risk-free 6.5%

Sortino ratio

1.45

Downside-only deviation

Max drawdown

-33.85%

Nov 2010 → Dec 2011

% positive months

58.3%

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
23 Dec 2011	₹13.4100
22 Dec 2011	₹13.4600
21 Dec 2011	₹13.4000
20 Dec 2011	₹13.2500
19 Dec 2011	₹13.5000
16 Dec 2011	₹13.7900
15 Dec 2011	₹14.0400
14 Dec 2011	₹14.1300
13 Dec 2011	₹14.2600
12 Dec 2011	₹14.3000

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 C.U.B (Competitive Upcoming Businesses) Fund-Bonus Option is a Growth from ING (Unknown plan, Growth option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

ING C.U.B (Competitive Upcoming Businesses) Fund-Bonus Option has NAV history starting from 22 Sep 2006, a track record of about 19 years 8 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 C.U.B (Competitive Upcoming Businesses) Fund-Bonus Option is managed by ING. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, ING C.U.B (Competitive Upcoming Businesses) Fund-Bonus Option has delivered a absolute return of -27.08% — -34.18 pp behind the Growth category average of 7.10%. The fund ranks #281 of 307 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, ING C.U.B (Competitive Upcoming Businesses) Fund-Bonus Option has delivered a CAGR of 22.98% — +22.22 pp ahead of the Growth category average of 0.76%. The fund ranks #18 of 264 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ING C.U.B (Competitive Upcoming Businesses) Fund-Bonus Option has delivered a CAGR of 3.12% — +3.1 pp ahead of the Growth category average of 0.02%. The fund ranks #124 of 208 in its category — the third (Q3) quartile.

₹1 lakh invested in ING C.U.B (Competitive Upcoming Businesses) Fund-Bonus Option exactly 5 years ago would be worth approximately ₹116,609 today — a multiplier of 1.17×, based on the 5-year CAGR of 3.12%. The category average over the same window would have grown ₹1 lakh to ₹100,100.

A ₹10,000 monthly SIP in ING C.U.B (Competitive Upcoming Businesses) Fund-Bonus Option over the last 5 years — total invested ₹600,000 — would be worth ₹608,956 today. That's an XIRR (money-weighted annualised return) of 0.58%.

ING C.U.B (Competitive Upcoming Businesses) Fund-Bonus Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹608,956 — XIRR 0.58%.

On a 5-year basis, ING C.U.B (Competitive Upcoming Businesses) Fund-Bonus Option ranks #124 out of 208 funds in the Growth category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 0.02%; this fund delivered 3.12%.

The worst peak-to-trough decline ING C.U.B (Competitive Upcoming Businesses) Fund-Bonus Option has experienced over the last 5-year window is 75.55% — its NAV fell from a high on 02 Jan 2008 to a low on 09 Mar 2009. 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 C.U.B (Competitive Upcoming Businesses) Fund-Bonus Option averaged 6.24% (best 9.20%, worst 3.12%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.09 — weak risk-adjusted performance.

In calendar year 2010, ING C.U.B (Competitive Upcoming Businesses) Fund-Bonus Option returned 20.38% — beating the Growth category average of 11.69% by 8.69 pp. It ranked #51 of 256 in its category that year.

ING C.U.B (Competitive Upcoming Businesses) Fund-Bonus 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. ING C.U.B (Competitive Upcoming Businesses) Fund-Bonus 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. Worst 5-year drawdown: 75.5%. 5-year CAGR: 3.12%.

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