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

We don't give personal investment advice. ING Treasury Advantage Fund - Regular 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: 7.89%.

ING

ING Treasury Advantage Fund - Regular 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%	-14.54%	+14.56	63 / 373	Q1
1W	+0.17%	-15.89%	+16.07	44 / 369	Q1
2W	+0.31%	-15.78%	+16.09	42 / 371	Q1
1M	+0.66%	-16.05%	+16.71	48 / 373	Q1
3M	+1.97%	-17.27%	+19.24	50 / 366	Q1
6M	+4.21%	-30.18%	+34.39	68 / 393	Q1
YTD	+6.73%	-32.85%	+39.58	29 / 414	Q1
1Y	+8.89%	-15.79%	+24.68	57 / 309	Q1
2Y	+8.95%	-13.41%	+22.36	17 / 142	Q1
3Y	+8.99%	-6.89%	+15.88	9 / 95	Q1
4Y	+8.80%	+2.81%	+5.99	11 / 84	Q1
5Y	+7.89%	+2.94%	+4.95	12 / 76	Q1
7Y	+7.80%	+2.77%	+5.03	8 / 67	Q1
10Y	—	—	—	—	—
Inception	+7.88%	-35.69%	+43.57	74 / 497	Q1

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	+6.73%	+4.08%	+2.65	29 / 76
2013	+9.17%	+2.34%	+6.83	4 / 76
2012	+8.86%	+3.72%	+5.14	18 / 78
2011	+8.65%	+3.23%	+5.42	13 / 66
2010	+5.13%	-11.73%	+16.86	7 / 132
2009	+5.05%	-33.69%	+38.74	51 / 316
2008	+8.99%	-14.40%	+23.38	22 / 119
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

+7.75%

80 windows

min 3.8% · max 9.7%

100% positive

3-Year rolling

+7.40%

56 windows

min 6.3% · max 9.0%

100% positive

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

5-Year rolling

+7.42%

32 windows

min 7.3% · max 7.9%

100% positive

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

7-Year rolling

+7.80%

7 windows

min 7.8% · max 7.8%

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

0.40%

3-year · annualised

Sharpe ratio

—

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	₹17.7454
8 Oct 2014	₹17.7422
7 Oct 2014	₹17.7371
1 Oct 2014	₹17.7145
30 Sep 2014	₹17.7098
29 Sep 2014	₹17.7052
26 Sep 2014	₹17.6950
25 Sep 2014	₹17.6910
24 Sep 2014	₹17.6871
23 Sep 2014	₹17.6826

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 - Regular Growth Option is a Income from ING (Regular 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 - Regular 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 - Regular 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 - Regular Growth Option has delivered a absolute return of 8.89% — +24.68 pp ahead of the Income category average of -15.79%. The fund ranks #57 of 309 in its category — the top (Q1) quartile.

Over the trailing 3-year window, ING Treasury Advantage Fund - Regular Growth Option has delivered a CAGR of 8.99% — +15.88 pp ahead of the Income category average of -6.89%. The fund ranks #9 of 95 in its category — the top (Q1) quartile.

Over the trailing 5-year window, ING Treasury Advantage Fund - Regular Growth Option has delivered a CAGR of 7.89% — +4.95 pp ahead of the Income category average of 2.94%. The fund ranks #12 of 76 in its category — the top (Q1) quartile.

₹1 lakh invested in ING Treasury Advantage Fund - Regular Growth Option exactly 5 years ago would be worth approximately ₹146,187 today — a multiplier of 1.46×, based on the 5-year CAGR of 7.89%. The category average over the same window would have grown ₹1 lakh to ₹115,573.

A ₹10,000 monthly SIP in ING Treasury Advantage Fund - Regular Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹747,233 today. That's an XIRR (money-weighted annualised return) of 8.70%.

ING Treasury Advantage Fund - Regular 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 ₹1,123,447 — XIRR 8.17%.

On a 5-year basis, ING Treasury Advantage Fund - Regular Growth Option ranks #12 out of 76 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.94%; this fund delivered 7.89%.

The worst peak-to-trough decline ING Treasury Advantage Fund - Regular 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 - Regular Growth Option averaged 7.42% (best 7.89%, worst 7.29%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 1.84 — strong risk-adjusted performance.

In calendar year 2013, ING Treasury Advantage Fund - Regular Growth Option returned 9.17% — beating the Income category average of 2.34% by 6.83 pp. It ranked #4 of 76 in its category that year.

ING Treasury Advantage Fund - Regular 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 - Regular 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: 7.89%.

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