Should I invest in LICMF Opportunities Fund?

We don't give personal investment advice. LICMF Opportunities Fund-Growth 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: 49.3%. 5-year CAGR: 0.05%.

LIC

LICMF Opportunities Fund-Growth

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	+0.00%	+0.06%	-0.06	156 / 299	Q3
1W	+1.26%	-3.61%	+4.87	60 / 303	Q1
2W	+2.26%	-4.52%	+6.78	65 / 303	Q1
1M	+6.27%	-5.64%	+11.90	28 / 302	Q1
3M	-1.06%	-4.27%	+3.21	155 / 302	Q3
6M	+3.45%	+1.48%	+1.97	146 / 307	Q2
YTD	-0.43%	-0.18%	-0.25	149 / 309	Q2
1Y	+13.91%	+7.10%	+6.81	116 / 307	Q2
2Y	+0.28%	+2.20%	-1.92	187 / 303	Q3
3Y	+3.32%	+0.76%	+2.57	150 / 264	Q3
4Y	+9.70%	+0.58%	+9.12	75 / 235	Q2
5Y	+0.05%	+0.02%	+0.03	154 / 208	Q3
7Y	+1.56%	+3.12%	-1.56	112 / 130	Q4
10Y	—	—	—	—	—
Inception	+2.54%	+0.51%	+2.02	199 / 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
2013 YTD	-0.43%	+0.03%	-0.45	91 / 154
2012	+26.25%	+23.57%	+2.68	97 / 190
2011	-28.55%	-23.68%	-4.87	192 / 241
2010	—	—	—	—
2009	+54.23%	+65.86%	-11.63	177 / 238
2008	-55.91%	-52.86%	-3.05	93 / 198
2007	+43.18%	+42.91%	+0.27	73 / 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

+6.79%

75 windows

min -58.1% · max 75.1%

65% positive

3-Year rolling

+2.80%

51 windows

min -11.1% · max 19.4%

75% positive

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

5-Year rolling

-0.16%

26 windows

min -6.0% · max 7.3%

50% positive

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

7-Year rolling

+1.52%

2 windows

min 1.5% · max 1.6%

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

18.24%

3-year · annualised

Sharpe ratio

-0.11

vs risk-free 6.5%

Sortino ratio

-0.19

Downside-only deviation

Max drawdown

-31.61%

Nov 2010 → Dec 2011

% positive months

44.4%

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
6 May 2013	₹18.6494
3 May 2013	₹18.5757
2 May 2013	₹18.7478
30 Apr 2013	₹18.5225
29 Apr 2013	₹18.4168
26 Apr 2013	₹18.3357
25 Apr 2013	₹18.4671
23 Apr 2013	₹18.2575
22 Apr 2013	₹18.2367
18 Apr 2013	₹18.0985

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.

LICMF Opportunities Fund-Growth is a Growth from LIC (Unknown plan, Growth option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

LICMF Opportunities Fund-Growth 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.

LICMF Opportunities Fund-Growth is managed by LIC. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, LICMF Opportunities Fund-Growth has delivered a absolute return of 13.91% — +6.81 pp ahead of the Growth category average of 7.10%. The fund ranks #116 of 307 in its category — the second (Q2) quartile.

Over the trailing 3-year window, LICMF Opportunities Fund-Growth has delivered a CAGR of 3.32% — +2.57 pp ahead of the Growth category average of 0.76%. The fund ranks #150 of 264 in its category — the third (Q3) quartile.

Over the trailing 5-year window, LICMF Opportunities Fund-Growth has delivered a CAGR of 0.05% — +0.03 pp ahead of the Growth category average of 0.02%. The fund ranks #154 of 208 in its category — the third (Q3) quartile.

₹1 lakh invested in LICMF Opportunities Fund-Growth exactly 5 years ago would be worth approximately ₹100,233 today — a multiplier of 1.00×, based on the 5-year CAGR of 0.05%. The category average over the same window would have grown ₹1 lakh to ₹100,100.

A ₹10,000 monthly SIP in LICMF Opportunities Fund-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹692,370 today. That's an XIRR (money-weighted annualised return) of 5.66%.

LICMF Opportunities Fund-Growth doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹950,017 — XIRR 3.47%.

On a 5-year basis, LICMF Opportunities Fund-Growth ranks #154 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 0.05%.

The worst peak-to-trough decline LICMF Opportunities Fund-Growth has experienced over the last 5-year window is 49.28% — its NAV fell from a high on 06 May 2008 to a low on 27 Oct 2008. 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, LICMF Opportunities Fund-Growth averaged -0.16% (best 7.26%, worst -6.02%). 50% of rolling windows ended positive. The 5-year Sharpe ratio is -0.09 — negative risk-adjusted performance.

In calendar year 2012, LICMF Opportunities Fund-Growth returned 26.25% — beating the Growth category average of 23.57% by 2.68 pp. It ranked #97 of 190 in its category that year.

LICMF Opportunities Fund-Growth 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. LICMF Opportunities Fund-Growth 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: 49.3%. 5-year CAGR: 0.05%.

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