Should I invest in ING Treasury Management Fund-Annual Dividend Option?

We don't give personal investment advice. ING Treasury Management Fund-Annual 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.

ING

ING Treasury Management Fund-Annual 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	+0.01%	-3.56%	+3.57	44 / 84	Q3
1W	+0.06%	-3.52%	+3.58	35 / 84	Q2
2W	+0.12%	-3.50%	+3.63	25 / 84	Q2
1M	+0.26%	-6.74%	+7.00	21 / 87	Q1
3M	+0.55%	-6.22%	+6.77	34 / 86	Q2
6M	-10.60%	-6.43%	-4.17	78 / 84	Q4
YTD	-9.04%	-6.15%	-2.89	79 / 85	Q4
1Y	-6.64%	-5.38%	-1.25	77 / 84	Q4
2Y	-2.83%	-6.52%	+3.70	78 / 86	Q4
3Y	-1.17%	-6.38%	+5.21	75 / 85	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-0.22%	-6.05%	+5.83	77 / 88	Q4

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
2009 YTD	-9.04%	-0.61%	-8.43	62 / 63
2008	+1.44%	+2.48%	-1.04	19 / 54
2007	+2.30%	+2.06%	+0.24	14 / 45
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

+0.37%

31 windows

min -6.6% · max 2.6%

81% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

-0.67%

6 windows

min -1.2% · max 0.7%

17% positive

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

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

7.06%

3-year · annualised

Sharpe ratio

-1.05

vs risk-free 6.5%

Sortino ratio

-1.10

Downside-only deviation

Max drawdown

-11.18%

Mar 2009 → May 2009

% positive months

86.1%

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
18 Sep 2009	₹10.0547
17 Sep 2009	₹10.0539
16 Sep 2009	₹10.0532
15 Sep 2009	₹10.0521
14 Sep 2009	₹10.0512
13 Sep 2009	₹10.0502
12 Sep 2009	₹10.0495
11 Sep 2009	₹10.0487
10 Sep 2009	₹10.0480
9 Sep 2009	₹10.0470

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

Over the trailing 1-year window, ING Treasury Management Fund-Annual Dividend Option has delivered a absolute return of -6.64% — -1.25 pp behind the Liquid category average of -5.38%. The fund ranks #77 of 84 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, ING Treasury Management Fund-Annual Dividend Option has delivered a CAGR of -1.17% — +5.21 pp ahead of the Liquid category average of -6.38%. The fund ranks #75 of 85 in its category — the bottom (Q4) quartile.

ING Treasury Management Fund-Annual Dividend Option doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in ING Treasury Management Fund-Annual Dividend Option exactly 3 years ago would be worth approximately ₹96,518 today — a multiplier of 0.97×, based on the 3-year CAGR of -1.17%. The category average over the same window would have grown ₹1 lakh to ₹82,055.

A ₹10,000 monthly SIP in ING Treasury Management Fund-Annual Dividend Option over the last 3 years — total invested ₹360,000 — would be worth ₹340,398 today. That's an XIRR (money-weighted annualised return) of -3.59%.

ING Treasury Management Fund-Annual Dividend Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹340,398 — XIRR -3.59%.

On a 3-year basis, ING Treasury Management Fund-Annual Dividend Option ranks #75 out of 85 funds in the Liquid category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -6.38%; this fund delivered -1.17%.

The worst peak-to-trough decline ING Treasury Management Fund-Annual Dividend Option has experienced over the last 3-year window is 11.18% — its NAV fell from a high on 26 Mar 2009 to a low on 21 May 2009. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, ING Treasury Management Fund-Annual Dividend Option averaged -0.67% (best 0.70%, worst -1.17%). 17% of rolling windows ended positive. The 3-year Sharpe ratio is -1.05 — negative risk-adjusted performance.

In calendar year 2008, ING Treasury Management Fund-Annual Dividend Option returned 1.44% — lagging the Liquid category average of 2.48% by 1.04 pp. It ranked #19 of 54 in its category that year.

ING Treasury Management Fund-Annual 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 Treasury Management Fund-Annual 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.

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