Should I invest in KOTAK LIFESTYLE FUND--?

We don't give personal investment advice. KOTAK LIFESTYLE FUND---Dividend is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 65.4%. 5-year CAGR: 4.27%.

Kotak Mahindra

KOTAK LIFESTYLE FUND---Dividend

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	-0.55%	+0.06%	-0.61	247 / 299	Q4
1W	+0.23%	-3.61%	+3.84	120 / 303	Q2
2W	+4.29%	-4.52%	+8.81	26 / 303	Q1
1M	-1.50%	-5.64%	+4.13	168 / 302	Q3
3M	-2.01%	-4.27%	+2.26	162 / 302	Q3
6M	+4.15%	+1.48%	+2.67	142 / 307	Q2
YTD	-9.33%	-0.18%	-9.15	217 / 309	Q3
1Y	-8.38%	+7.10%	-15.49	221 / 307	Q3
2Y	+14.03%	+2.20%	+11.83	100 / 303	Q2
3Y	+10.43%	+0.76%	+9.67	89 / 264	Q2
4Y	+0.01%	+0.58%	-0.57	174 / 235	Q3
5Y	+4.27%	+0.02%	+4.25	119 / 208	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+1.89%	+0.51%	+1.38	210 / 310	Q3

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
2011 YTD	-9.33%	-23.68%	+14.35	18 / 241
2010	+31.43%	+11.69%	+19.74	9 / 256
2009	+59.26%	+65.86%	-6.60	164 / 238
2008	-59.51%	-52.86%	-6.65	133 / 198
2007	+26.80%	+42.91%	-16.11	106 / 137
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

+10.28%

55 windows

min -57.2% · max 79.3%

65% positive

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

3-Year rolling

-0.75%

30 windows

min -14.8% · max 15.3%

40% positive

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

5-Year rolling

+5.00%

6 windows

min 1.1% · max 8.6%

100% positive

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

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

26.40%

3-year · annualised

Sharpe ratio

0.26

vs risk-free 6.5%

Sortino ratio

0.40

Downside-only deviation

Max drawdown

-38.73%

Sep 2008 → Mar 2009

% positive months

58.3%

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 Sep 2011	₹11.5420
8 Sep 2011	₹11.6060
7 Sep 2011	₹11.6210
6 Sep 2011	₹11.4900
5 Sep 2011	₹11.4930
2 Sep 2011	₹11.5150
30 Aug 2011	₹11.4610
29 Aug 2011	₹11.2880
26 Aug 2011	₹11.0670
25 Aug 2011	₹11.2260

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.

KOTAK LIFESTYLE FUND---Dividend is a Growth from Kotak Mahindra (Unknown plan, Growth option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

KOTAK LIFESTYLE FUND---Dividend 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.

KOTAK LIFESTYLE FUND---Dividend is managed by Kotak Mahindra. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, KOTAK LIFESTYLE FUND---Dividend has delivered a absolute return of -8.38% — -15.49 pp behind the Growth category average of 7.10%. The fund ranks #221 of 307 in its category — the third (Q3) quartile.

Over the trailing 3-year window, KOTAK LIFESTYLE FUND---Dividend has delivered a CAGR of 10.43% — +9.67 pp ahead of the Growth category average of 0.76%. The fund ranks #89 of 264 in its category — the second (Q2) quartile.

Over the trailing 5-year window, KOTAK LIFESTYLE FUND---Dividend has delivered a CAGR of 4.27% — +4.25 pp ahead of the Growth category average of 0.02%. The fund ranks #119 of 208 in its category — the third (Q3) quartile.

₹1 lakh invested in KOTAK LIFESTYLE FUND---Dividend exactly 5 years ago would be worth approximately ₹123,233 today — a multiplier of 1.23×, based on the 5-year CAGR of 4.27%. The category average over the same window would have grown ₹1 lakh to ₹100,100.

A ₹10,000 monthly SIP in KOTAK LIFESTYLE FUND---Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹713,665 today. That's an XIRR (money-weighted annualised return) of 6.86%.

KOTAK LIFESTYLE FUND---Dividend doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹713,665 — XIRR 6.86%.

On a 5-year basis, KOTAK LIFESTYLE FUND---Dividend ranks #119 out of 208 funds in the Growth category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 0.02%; this fund delivered 4.27%.

The worst peak-to-trough decline KOTAK LIFESTYLE FUND---Dividend has experienced over the last 5-year window is 65.37% — its NAV fell from a high on 07 Jan 2008 to a low on 09 Mar 2009. 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, KOTAK LIFESTYLE FUND---Dividend averaged 5.00% (best 8.62%, worst 1.12%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.04 — weak risk-adjusted performance.

In calendar year 2010, KOTAK LIFESTYLE FUND---Dividend returned 31.43% — beating the Growth category average of 11.69% by 19.74 pp. It ranked #9 of 256 in its category that year.

KOTAK LIFESTYLE FUND---Dividend doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. KOTAK LIFESTYLE FUND---Dividend is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 65.4%. 5-year CAGR: 4.27%.

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