Should I invest in ING Dividend Yield Fund?

We don't give personal investment advice. ING Dividend Yield 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: 43.6%. 5-year CAGR: 6.75%.

ING

ING Dividend Yield 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	+1.11%	+0.06%	+1.05	39 / 299	Q1
1W	-0.36%	-3.61%	+3.25	186 / 303	Q3
2W	+0.37%	-4.52%	+4.89	118 / 303	Q2
1M	-2.41%	-5.64%	+3.23	187 / 302	Q3
3M	+6.00%	-4.27%	+10.28	75 / 302	Q1
6M	+25.52%	+1.48%	+24.04	28 / 307	Q1
YTD	+35.46%	-0.18%	+35.64	20 / 309	Q1
1Y	+43.73%	+7.10%	+36.63	33 / 307	Q1
2Y	+20.01%	+2.20%	+17.80	57 / 303	Q1
3Y	+8.69%	+0.76%	+7.93	108 / 264	Q2
4Y	-1.38%	+0.58%	-1.96	184 / 235	Q4
5Y	+6.75%	+0.02%	+6.73	89 / 208	Q2
7Y	+7.99%	+3.12%	+4.87	57 / 130	Q2
10Y	—	—	—	—	—
Inception	+8.32%	+0.51%	+7.80	90 / 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
2014 YTD	+35.46%	+34.59%	+0.87	64 / 133
2013	+0.69%	+0.03%	+0.66	76 / 154
2012	+12.86%	+23.57%	-10.71	175 / 190
2011	-37.05%	-23.68%	-13.37	231 / 241
2010	+27.66%	+11.69%	+15.98	15 / 256
2009	+99.89%	+65.86%	+34.02	20 / 238
2008	-50.60%	-52.86%	+2.25	49 / 198
2007	+66.80%	+42.91%	+23.88	16 / 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

+14.15%

92 windows

min -50.4% · max 131.5%

64% positive

3-Year rolling

+7.91%

68 windows

min -13.5% · max 25.4%

65% positive

5-Year rolling

+8.47%

44 windows

min -0.1% · max 16.7%

98% positive

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

7-Year rolling

+7.28%

19 windows

min 4.4% · 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

18.69%

3-year · annualised

Sharpe ratio

0.19

vs risk-free 6.5%

Sortino ratio

0.32

Downside-only deviation

Max drawdown

-22.00%

Oct 2011 → 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	₹21.8900
8 Oct 2014	₹21.6500
7 Oct 2014	₹21.7100
1 Oct 2014	₹21.9700
30 Sep 2014	₹22.0400
29 Sep 2014	₹22.0500
26 Sep 2014	₹22.0300
25 Sep 2014	₹21.8100
24 Sep 2014	₹22.1800
23 Sep 2014	₹22.3100

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 Dividend Yield 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 Dividend Yield 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 Dividend Yield 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 Dividend Yield Fund-Dividend Option has delivered a absolute return of 43.73% — +36.63 pp ahead of the Growth category average of 7.10%. The fund ranks #33 of 307 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ING Dividend Yield Fund-Dividend Option has delivered a CAGR of 8.69% — +7.93 pp ahead of the Growth category average of 0.76%. The fund ranks #108 of 264 in its category — the second (Q2) quartile.

Over the trailing 5-year window, ING Dividend Yield Fund-Dividend Option has delivered a CAGR of 6.75% — +6.73 pp ahead of the Growth category average of 0.02%. The fund ranks #89 of 208 in its category — the second (Q2) quartile.

₹1 lakh invested in ING Dividend Yield Fund-Dividend Option exactly 5 years ago would be worth approximately ₹138,632 today — a multiplier of 1.39×, based on the 5-year CAGR of 6.75%. The category average over the same window would have grown ₹1 lakh to ₹100,100.

A ₹10,000 monthly SIP in ING Dividend Yield Fund-Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹769,665 today. That's an XIRR (money-weighted annualised return) of 9.89%.

ING Dividend Yield 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 ₹1,239,782 — XIRR 10.92%.

On a 5-year basis, ING Dividend Yield Fund-Dividend Option ranks #89 out of 208 funds in the Growth category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 0.02%; this fund delivered 6.75%.

The worst peak-to-trough decline ING Dividend Yield Fund-Dividend Option has experienced over the last 5-year window is 43.58% — its NAV fell from a high on 09 Nov 2010 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 Dividend Yield Fund-Dividend Option averaged 8.47% (best 16.70%, worst -0.09%). 98% of rolling windows ended positive. The 5-year Sharpe ratio is 0.10 — weak risk-adjusted performance.

In calendar year 2013, ING Dividend Yield Fund-Dividend Option returned 0.69% — beating the Growth category average of 0.03% by 0.66 pp. It ranked #76 of 154 in its category that year.

ING Dividend Yield 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 Dividend Yield 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: 43.6%. 5-year CAGR: 6.75%.

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