Should I invest in Principal Child Benefit Fund-Super Saver-Future Guard Plan?

We don't give personal investment advice. Principal Child Benefit Fund-Super Saver-Future Guard Plan 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.

PRINCIPAL

Principal Child Benefit Fund-Super Saver-Future Guard Plan

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	-1.17%	-9.99%	+8.81	853 / 1129	Q4
1W	-5.99%	-13.04%	+7.05	926 / 1151	Q4
2W	-4.88%	-13.18%	+8.31	914 / 1149	Q4
1M	-7.50%	-13.26%	+5.76	923 / 1137	Q4
3M	+23.67%	-13.15%	+36.82	1 / 1116	Q1
6M	+34.00%	-15.45%	+49.46	1 / 906	Q1
YTD	+26.43%	-15.77%	+42.21	1 / 952	Q1
1Y	-7.81%	-13.09%	+5.28	665 / 820	Q4
2Y	-0.25%	-12.72%	+12.47	323 / 446	Q3
3Y	+15.44%	-11.01%	+26.45	1 / 385	Q1
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+9.85%	-13.63%	+23.49	65 / 1199	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
2009 YTD	+26.43%	-12.86%	+39.29	4 / 713
2008	-45.77%	-2.02%	-43.74	371 / 380
2007	+63.09%	+4.84%	+58.25	2 / 142
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

+12.60%

28 windows

min -46.1% · max 65.2%

64% positive

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

3-Year rolling

+10.87%

4 windows

min 3.4% · max 20.7%

100% 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

30.55%

3-year · annualised

Sharpe ratio

0.42

vs risk-free 6.5%

Sortino ratio

0.66

Downside-only deviation

Max drawdown

-54.68%

Jan 2008 → Mar 2009

% positive months

66.7%

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
10 Jul 2009	₹64.0000
9 Jul 2009	₹64.7600
8 Jul 2009	₹64.8100
7 Jul 2009	₹65.7700
6 Jul 2009	₹65.9100
3 Jul 2009	₹68.0800
2 Jul 2009	₹67.6400
1 Jul 2009	₹67.4000
30 Jun 2009	₹67.1000
29 Jun 2009	₹67.8300

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.

Principal Child Benefit Fund-Super Saver-Future Guard Plan is a Income from PRINCIPAL (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.

Principal Child Benefit Fund-Super Saver-Future Guard Plan 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.

Principal Child Benefit Fund-Super Saver-Future Guard Plan is managed by PRINCIPAL. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Principal Child Benefit Fund-Super Saver-Future Guard Plan has delivered a absolute return of -7.81% — +5.28 pp ahead of the Income category average of -13.09%. The fund ranks #665 of 820 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Principal Child Benefit Fund-Super Saver-Future Guard Plan has delivered a CAGR of 15.44% — +26.45 pp ahead of the Income category average of -11.01%. The fund ranks #1 of 385 in its category — the top (Q1) quartile.

Principal Child Benefit Fund-Super Saver-Future Guard Plan 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 Principal Child Benefit Fund-Super Saver-Future Guard Plan exactly 3 years ago would be worth approximately ₹153,846 today — a multiplier of 1.54×, based on the 3-year CAGR of 15.44%. The category average over the same window would have grown ₹1 lakh to ₹70,476.

A ₹10,000 monthly SIP in Principal Child Benefit Fund-Super Saver-Future Guard Plan over the last 3 years — total invested ₹360,000 — would be worth ₹395,271 today. That's an XIRR (money-weighted annualised return) of 6.16%.

Principal Child Benefit Fund-Super Saver-Future Guard Plan doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹395,271 — XIRR 6.16%.

On a 3-year basis, Principal Child Benefit Fund-Super Saver-Future Guard Plan ranks #1 out of 385 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -11.01%; this fund delivered 15.44%.

The worst peak-to-trough decline Principal Child Benefit Fund-Super Saver-Future Guard Plan has experienced over the last 3-year window is 54.68% — its NAV fell from a high on 02 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 3-year rolling windows, Principal Child Benefit Fund-Super Saver-Future Guard Plan averaged 10.87% (best 20.72%, worst 3.44%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.42 — weak risk-adjusted performance.

In calendar year 2008, Principal Child Benefit Fund-Super Saver-Future Guard Plan returned -45.77% — lagging the Income category average of -2.02% by 43.74 pp. It ranked #371 of 380 in its category that year.

Principal Child Benefit Fund-Super Saver-Future Guard Plan 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. Principal Child Benefit Fund-Super Saver-Future Guard Plan 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.