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

We don't give personal investment advice. ING C.U.B (Competitive Upcoming Businesses) Fund-Dividend 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: -3.17%.

ING

ING C.U.B (Competitive Upcoming Businesses) 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	-0.41%	+0.06%	-0.47	236 / 299	Q4
1W	-2.78%	-3.61%	+0.83	248 / 303	Q4
2W	-8.50%	-4.52%	-3.99	268 / 303	Q4
1M	-6.14%	-5.64%	-0.50	227 / 302	Q4
3M	-13.74%	-4.27%	-9.47	257 / 302	Q4
6M	-21.18%	+1.48%	-22.66	277 / 307	Q4
YTD	-27.91%	-0.18%	-27.73	281 / 309	Q4
1Y	-27.10%	+7.10%	-34.21	283 / 307	Q4
2Y	-14.01%	+2.20%	-16.21	259 / 303	Q4
3Y	+10.73%	+0.76%	+9.98	86 / 264	Q2
4Y	-17.04%	+0.58%	-17.62	223 / 235	Q4
5Y	-3.17%	+0.02%	-3.19	184 / 208	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-0.42%	+0.51%	-0.94	239 / 310	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	-27.91%	-23.68%	-4.23	181 / 241
2010	+2.18%	+11.69%	-9.50	207 / 256
2009	+75.33%	+65.86%	+9.47	87 / 238
2008	-67.62%	-52.86%	-14.76	188 / 198
2007	+85.52%	+42.91%	+42.61	9 / 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

+8.08%

52 windows

min -67.9% · max 123.5%

54% positive

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

3-Year rolling

-1.49%

28 windows

min -14.9% · max 16.3%

36% positive

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

5-Year rolling

-0.24%

4 windows

min -3.2% · max 2.5%

50% 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

30.83%

3-year · annualised

Sharpe ratio

0.26

vs risk-free 6.5%

Sortino ratio

0.53

Downside-only deviation

Max drawdown

-33.86%

Nov 2010 → Dec 2011

% positive months

52.8%

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	₹9.7900
22 Dec 2011	₹9.8300
21 Dec 2011	₹9.7800
20 Dec 2011	₹9.6700
19 Dec 2011	₹9.8500
16 Dec 2011	₹10.0700
15 Dec 2011	₹10.2500
14 Dec 2011	₹10.3200
13 Dec 2011	₹10.4100
12 Dec 2011	₹10.4400

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-Dividend 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-Dividend 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-Dividend 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-Dividend Option has delivered a absolute return of -27.10% — -34.21 pp behind the Growth category average of 7.10%. The fund ranks #283 of 307 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, ING C.U.B (Competitive Upcoming Businesses) Fund-Dividend Option has delivered a CAGR of 10.73% — +9.98 pp ahead of the Growth category average of 0.76%. The fund ranks #86 of 264 in its category — the second (Q2) quartile.

Over the trailing 5-year window, ING C.U.B (Competitive Upcoming Businesses) Fund-Dividend Option has delivered a CAGR of -3.17% — -3.19 pp behind the Growth category average of 0.02%. The fund ranks #184 of 208 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ING C.U.B (Competitive Upcoming Businesses) Fund-Dividend Option exactly 5 years ago would be worth approximately ₹85,131 today — a multiplier of 0.85×, based on the 5-year CAGR of -3.17%. 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-Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹494,934 today. That's an XIRR (money-weighted annualised return) of -7.52%.

ING C.U.B (Competitive Upcoming Businesses) Fund-Dividend Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹494,934 — XIRR -7.52%.

On a 5-year basis, ING C.U.B (Competitive Upcoming Businesses) Fund-Dividend Option ranks #184 out of 208 funds in the Growth category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 0.02%; this fund delivered -3.17%.

The worst peak-to-trough decline ING C.U.B (Competitive Upcoming Businesses) Fund-Dividend 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-Dividend Option averaged -0.24% (best 2.54%, worst -3.17%). 50% of rolling windows ended positive. The 5-year Sharpe ratio is -0.08 — negative risk-adjusted performance.

In calendar year 2010, ING C.U.B (Competitive Upcoming Businesses) Fund-Dividend Option returned 2.18% — lagging the Growth category average of 11.69% by 9.50 pp. It ranked #207 of 256 in its category that year.

ING C.U.B (Competitive Upcoming Businesses) Fund-Dividend 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-Dividend 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: -3.17%.

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