Should I invest in ING Treasury Advantage Fund - Institutional Growth Option?

We don't give personal investment advice. ING Treasury Advantage Fund - Institutional Growth 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: 0.3%. 5-year CAGR: 8.25%.

ING

ING Treasury Advantage Fund - Institutional Growth 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	+0.02%	+6.99%	-6.97	92 / 763	Q1
1W	+0.18%	+6.38%	-6.20	101 / 722	Q1
2W	+0.31%	+6.63%	-6.32	110 / 725	Q1
1M	+0.67%	+6.29%	-5.62	122 / 752	Q1
3M	+2.00%	+7.87%	-5.87	166 / 728	Q1
6M	+4.26%	+9.67%	-5.41	204 / 642	Q2
YTD	+6.81%	+8.47%	-1.66	92 / 666	Q1
1Y	+9.00%	+13.70%	-4.69	191 / 591	Q2
2Y	+9.06%	-5.03%	+14.10	33 / 197	Q1
3Y	+9.47%	-3.09%	+12.56	11 / 140	Q1
4Y	+9.21%	+1.62%	+7.60	10 / 119	Q1
5Y	+8.25%	-0.16%	+8.41	13 / 102	Q1
7Y	+8.13%	+2.05%	+6.09	10 / 64	Q1
10Y	—	—	—	—	—
Inception	+8.11%	-3.28%	+11.39	243 / 797	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	+6.81%	+2.77%	+4.04	30 / 82
2013	+9.29%	+1.77%	+7.51	9 / 101
2012	+8.97%	-0.30%	+9.28	25 / 113
2011	+9.96%	+1.75%	+8.21	2 / 109
2010	+5.29%	-0.95%	+6.24	23 / 165
2009	+5.20%	-0.31%	+5.51	132 / 482
2008	+9.32%	-5.54%	+14.86	26 / 250
2007	—	—	—	—

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

+8.10%

80 windows

min 4.0% · max 10.4%

100% positive

3-Year rolling

+7.80%

56 windows

min 6.5% · max 9.5%

100% positive

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

5-Year rolling

+7.81%

32 windows

min 7.6% · max 8.3%

100% positive

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

7-Year rolling

+8.13%

7 windows

min 8.1% · max 8.1%

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

0.68%

3-year · annualised

Sharpe ratio

3.83

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.34%

Jul 2013 → Jul 2013

% positive months

100.0%

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	₹18.0312
8 Oct 2014	₹18.0278
7 Oct 2014	₹18.0226
1 Oct 2014	₹17.9994
30 Sep 2014	₹17.9946
29 Sep 2014	₹17.9898
26 Sep 2014	₹17.9793
25 Sep 2014	₹17.9752
24 Sep 2014	₹17.9711
23 Sep 2014	₹17.9665

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 Treasury Advantage Fund - Institutional Growth Option is a Income from ING (Institutional 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 Treasury Advantage Fund - Institutional Growth Option has NAV history starting from 21 Mar 2007, a track record of about 19 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 Treasury Advantage Fund - Institutional Growth 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 Treasury Advantage Fund - Institutional Growth Option has delivered a absolute return of 9.00% — -4.69 pp behind the Income category average of 13.70%. The fund ranks #191 of 591 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ING Treasury Advantage Fund - Institutional Growth Option has delivered a CAGR of 9.47% — +12.56 pp ahead of the Income category average of -3.09%. The fund ranks #11 of 140 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ING Treasury Advantage Fund - Institutional Growth Option has delivered a CAGR of 8.25% — +8.41 pp ahead of the Income category average of -0.16%. The fund ranks #13 of 102 in its category — the top (Q1) quartile.

₹1 lakh invested in ING Treasury Advantage Fund - Institutional Growth Option exactly 5 years ago would be worth approximately ₹148,654 today — a multiplier of 1.49×, based on the 5-year CAGR of 8.25%. The category average over the same window would have grown ₹1 lakh to ₹99,222.

A ₹10,000 monthly SIP in ING Treasury Advantage Fund - Institutional Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹753,444 today. That's an XIRR (money-weighted annualised return) of 9.03%.

ING Treasury Advantage Fund - Institutional Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,136,909 — XIRR 8.50%.

On a 5-year basis, ING Treasury Advantage Fund - Institutional Growth Option ranks #13 out of 102 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -0.16%; this fund delivered 8.25%.

The worst peak-to-trough decline ING Treasury Advantage Fund - Institutional Growth Option has experienced over the last 5-year window is 0.34% — its NAV fell from a high on 15 Jul 2013 to a low on 16 Jul 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 Treasury Advantage Fund - Institutional Growth Option averaged 7.81% (best 8.25%, worst 7.63%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 1.91 — strong risk-adjusted performance.

In calendar year 2013, ING Treasury Advantage Fund - Institutional Growth Option returned 9.29% — beating the Income category average of 1.77% by 7.51 pp. It ranked #9 of 101 in its category that year.

ING Treasury Advantage Fund - Institutional Growth 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 Treasury Advantage Fund - Institutional Growth 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: 0.3%. 5-year CAGR: 8.25%.

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