Should I invest in ING MIP Fund-Quarterly Dividend Option?

We don't give personal investment advice. ING MIP Fund-Quarterly Dividend Option 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: 7.4%. 5-year CAGR: 1.53%.

ING

ING MIP Fund-Quarterly 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	+0.04%	-9.99%	+10.03	91 / 1129	Q1
1W	+0.11%	-13.04%	+13.15	222 / 1151	Q1
2W	-2.07%	-13.18%	+11.12	750 / 1149	Q3
1M	-2.28%	-13.26%	+10.98	840 / 1137	Q3
3M	+0.01%	-13.15%	+13.15	411 / 1116	Q2
6M	+3.26%	-15.45%	+18.71	239 / 906	Q2
YTD	+5.68%	-15.77%	+21.46	109 / 952	Q1
1Y	+6.70%	-13.09%	+19.78	269 / 820	Q2
2Y	+2.33%	-12.72%	+15.05	184 / 446	Q2
3Y	+2.23%	-11.01%	+13.24	152 / 385	Q2
4Y	+1.57%	-6.52%	+8.09	149 / 339	Q2
5Y	+1.53%	-7.36%	+8.89	146 / 314	Q2
7Y	+1.48%	+2.53%	-1.05	127 / 234	Q3
10Y	—	—	—	—	—
Inception	+1.48%	-13.63%	+15.11	381 / 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	+5.68%	+5.51%	+0.17	121 / 240
2013	-1.60%	-1.95%	+0.36	219 / 276
2012	+2.02%	+1.38%	+0.64	165 / 295
2011	-0.65%	-3.16%	+2.52	238 / 317
2010	+0.65%	-5.78%	+6.43	192 / 377
2009	+11.83%	-12.86%	+24.68	71 / 713
2008	-10.59%	-2.02%	-8.57	336 / 380
2007	+5.10%	+4.84%	+0.26	85 / 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

+1.50%

92 windows

min -12.6% · max 13.4%

65% positive

3-Year rolling

+1.71%

68 windows

min -0.8% · max 5.1%

91% positive

5-Year rolling

+1.69%

44 windows

min 0.6% · max 2.9%

100% positive

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

7-Year rolling

+1.35%

19 windows

min 0.7% · max 2.1%

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

4.45%

3-year · annualised

Sharpe ratio

-0.94

vs risk-free 6.5%

Sortino ratio

-1.43

Downside-only deviation

Max drawdown

-7.42%

May 2013 → Aug 2013

% positive months

63.9%

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	₹12.0414
8 Oct 2014	₹12.0362
7 Oct 2014	₹12.0228
1 Oct 2014	₹12.0280
30 Sep 2014	₹12.0163
29 Sep 2014	₹12.0237
26 Sep 2014	₹12.0346
25 Sep 2014	₹12.2956
24 Sep 2014	₹12.3345
23 Sep 2014	₹12.3458

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 MIP Fund-Quarterly Dividend Option 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 MIP Fund-Quarterly 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 MIP Fund-Quarterly Dividend Option 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 MIP Fund-Quarterly Dividend Option has delivered a absolute return of 6.70% — +19.78 pp ahead of the Income category average of -13.09%. The fund ranks #269 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ING MIP Fund-Quarterly Dividend Option has delivered a CAGR of 2.23% — +13.24 pp ahead of the Income category average of -11.01%. The fund ranks #152 of 385 in its category — the second (Q2) quartile.

Over the trailing 5-year window, ING MIP Fund-Quarterly Dividend Option has delivered a CAGR of 1.53% — +8.89 pp ahead of the Income category average of -7.36%. The fund ranks #146 of 314 in its category — the second (Q2) quartile.

₹1 lakh invested in ING MIP Fund-Quarterly Dividend Option exactly 5 years ago would be worth approximately ₹107,870 today — a multiplier of 1.08×, based on the 5-year CAGR of 1.53%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in ING MIP Fund-Quarterly Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹632,106 today. That's an XIRR (money-weighted annualised return) of 2.05%.

ING MIP Fund-Quarterly 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 ₹904,583 — XIRR 2.09%.

On a 5-year basis, ING MIP Fund-Quarterly Dividend Option ranks #146 out of 314 funds in the Income category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -7.36%; this fund delivered 1.53%.

The worst peak-to-trough decline ING MIP Fund-Quarterly Dividend Option has experienced over the last 5-year window is 7.42% — its NAV fell from a high on 17 May 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 MIP Fund-Quarterly Dividend Option averaged 1.69% (best 2.86%, worst 0.60%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.26 — negative risk-adjusted performance.

In calendar year 2013, ING MIP Fund-Quarterly Dividend Option returned -1.60% — beating the Income category average of -1.95% by 0.36 pp. It ranked #219 of 276 in its category that year.

ING MIP Fund-Quarterly Dividend Option 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 MIP Fund-Quarterly Dividend Option 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: 7.4%. 5-year CAGR: 1.53%.

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