Should I invest in ING Income Fund?

We don't give personal investment advice. ING Income Fund- Dividend Option (Annual) is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 11.2%. 5-year CAGR: 1.01%.

ING

ING Income Fund- Dividend Option (Annual)

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	-0.28%	-9.99%	+9.71	791 / 1129	Q3
1W	+0.16%	-13.04%	+13.20	161 / 1151	Q1
2W	+0.33%	-13.18%	+13.51	136 / 1149	Q1
1M	+0.81%	-13.26%	+14.07	105 / 1137	Q1
3M	+1.79%	-13.15%	+14.93	153 / 1116	Q1
6M	+5.72%	-15.45%	+21.17	63 / 906	Q1
YTD	+5.76%	-15.77%	+21.53	107 / 952	Q1
1Y	+5.96%	-13.09%	+19.04	290 / 820	Q2
2Y	+2.10%	-12.72%	+14.82	188 / 446	Q2
3Y	+2.08%	-11.01%	+13.08	155 / 385	Q2
4Y	+1.64%	-6.52%	+8.16	145 / 339	Q2
5Y	+1.01%	-7.36%	+8.38	160 / 314	Q3
7Y	+0.68%	+2.53%	-1.85	150 / 234	Q3
10Y	—	—	—	—	—
Inception	+1.23%	-13.63%	+14.87	398 / 1199	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	+5.76%	+5.51%	+0.25	120 / 240
2013	-3.76%	-1.95%	-1.81	253 / 276
2012	+0.41%	+1.38%	-0.97	194 / 295
2011	+2.34%	-3.16%	+5.50	110 / 317
2010	-2.22%	-5.78%	+3.56	312 / 377
2009	-10.28%	-12.86%	+2.58	590 / 713
2008	+9.44%	-2.02%	+11.46	44 / 380
2007	+4.93%	+4.84%	+0.09	86 / 142
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

+0.69%

92 windows

min -11.7% · max 8.1%

63% positive

3-Year rolling

+0.32%

68 windows

min -2.6% · max 2.1%

66% positive

5-Year rolling

+0.27%

44 windows

min -1.7% · max 1.4%

82% positive

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

7-Year rolling

+0.57%

19 windows

min 0.1% · max 1.2%

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

7.18%

3-year · annualised

Sharpe ratio

-0.58

vs risk-free 6.5%

Sortino ratio

-0.69

Downside-only deviation

Max drawdown

-11.21%

Mar 2013 → Aug 2013

% positive months

69.4%

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	₹11.3944
8 Oct 2014	₹11.4261
7 Oct 2014	₹11.3999
1 Oct 2014	₹11.3758
30 Sep 2014	₹11.3548
29 Sep 2014	₹11.3625
26 Sep 2014	₹11.3805
25 Sep 2014	₹11.3570
24 Sep 2014	₹11.3562
23 Sep 2014	₹11.3590

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

Over the trailing 1-year window, ING Income Fund- Dividend Option (Annual) has delivered a absolute return of 5.96% — +19.04 pp ahead of the Income category average of -13.09%. The fund ranks #290 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ING Income Fund- Dividend Option (Annual) has delivered a CAGR of 2.08% — +13.08 pp ahead of the Income category average of -11.01%. The fund ranks #155 of 385 in its category — the second (Q2) quartile.

Over the trailing 5-year window, ING Income Fund- Dividend Option (Annual) has delivered a CAGR of 1.01% — +8.38 pp ahead of the Income category average of -7.36%. The fund ranks #160 of 314 in its category — the third (Q3) quartile.

₹1 lakh invested in ING Income Fund- Dividend Option (Annual) exactly 5 years ago would be worth approximately ₹105,172 today — a multiplier of 1.05×, based on the 5-year CAGR of 1.01%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in ING Income Fund- Dividend Option (Annual) over the last 5 years — total invested ₹600,000 — would be worth ₹629,998 today. That's an XIRR (money-weighted annualised return) of 1.92%.

ING Income Fund- Dividend Option (Annual) doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹879,783 — XIRR 1.30%.

On a 5-year basis, ING Income Fund- Dividend Option (Annual) ranks #160 out of 314 funds in the Income category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -7.36%; this fund delivered 1.01%.

The worst peak-to-trough decline ING Income Fund- Dividend Option (Annual) has experienced over the last 5-year window is 11.21% — its NAV fell from a high on 22 Mar 2013 to a low on 19 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 Income Fund- Dividend Option (Annual) averaged 0.27% (best 1.41%, worst -1.74%). 82% of rolling windows ended positive. The 5-year Sharpe ratio is -0.81 — negative risk-adjusted performance.

In calendar year 2013, ING Income Fund- Dividend Option (Annual) returned -3.76% — lagging the Income category average of -1.95% by 1.81 pp. It ranked #253 of 276 in its category that year.

ING Income Fund- Dividend Option (Annual) is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. ING Income Fund- Dividend Option (Annual) is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 11.2%. 5-year CAGR: 1.01%.

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