Should I invest in Principal Dividend Yield Fund?

We don't give personal investment advice. Principal Dividend Yield Fund-Dividend Plan 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: 44.1%. 5-year CAGR: 6.60%.

PRINCIPAL

Principal Dividend Yield Fund-Dividend Plan

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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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	-0.16%	+0.06%	-0.22	204 / 299	Q3
1W	+0.98%	-3.61%	+4.59	75 / 303	Q1
2W	-3.06%	-4.52%	+1.46	231 / 303	Q4
1M	-1.27%	-5.64%	+4.37	166 / 302	Q3
3M	-4.17%	-4.27%	+0.10	186 / 302	Q3
6M	+5.55%	+1.48%	+4.07	129 / 307	Q2
YTD	+21.42%	-0.18%	+21.60	54 / 309	Q1
1Y	+21.98%	+7.10%	+14.87	82 / 307	Q2
2Y	+18.47%	+2.20%	+16.27	66 / 303	Q1
3Y	+12.79%	+0.76%	+12.03	72 / 264	Q2
4Y	+8.15%	+0.58%	+7.57	92 / 235	Q2
5Y	+6.60%	+0.02%	+6.58	90 / 208	Q2
7Y	+4.51%	+3.12%	+1.40	100 / 130	Q4
10Y	+8.92%	+7.20%	+1.72	26 / 68	Q2
Inception	+4.63%	+0.51%	+4.12	154 / 310	Q2

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
2021 YTD	+21.42%	+35.98%	-14.56	16 / 17
2020	+14.49%	-9.83%	+24.31	8 / 39
2019	+2.06%	+4.81%	-2.74	32 / 39
2018	-4.66%	-8.44%	+3.77	23 / 55
2017	+0.09%	+29.57%	-29.48	64 / 65
2016	+2.20%	+1.07%	+1.13	40 / 88
2015	-3.83%	-3.94%	+0.11	64 / 99
2014	+27.03%	+34.59%	-7.56	95 / 133
2013	-6.09%	+0.03%	-6.12	127 / 154
2012	+42.35%	+23.57%	+18.78	17 / 190
2011	-26.86%	-23.68%	-3.18	175 / 241

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

+9.16%

180 windows

min -55.4% · max 100.8%

59% positive

3-Year rolling

+5.83%

156 windows

min -18.9% · max 30.5%

73% positive

5-Year rolling

+5.94%

132 windows

min -4.4% · max 20.4%

89% positive

7-Year rolling

+6.22%

107 windows

min 0.6% · max 16.9%

100% positive

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

20.87%

3-year · annualised

Sharpe ratio

0.38

vs risk-free 6.5%

Sortino ratio

0.54

Downside-only deviation

Max drawdown

-32.83%

Jan 2020 → Mar 2020

% positive months

69.4%

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
30 Dec 2021	₹31.9700
29 Dec 2021	₹32.0200
28 Dec 2021	₹32.0800
27 Dec 2021	₹31.7500
24 Dec 2021	₹31.5400
23 Dec 2021	₹31.6600
22 Dec 2021	₹31.4500
21 Dec 2021	₹31.0800
20 Dec 2021	₹30.6900
17 Dec 2021	₹32.5900

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

Principal Dividend Yield Fund-Dividend 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 Dividend Yield Fund-Dividend Plan is managed by PRINCIPAL. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Principal Dividend Yield Fund-Dividend Plan has delivered a absolute return of 21.98% — +14.87 pp ahead of the Growth category average of 7.10%. The fund ranks #82 of 307 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Principal Dividend Yield Fund-Dividend Plan has delivered a CAGR of 12.79% — +12.03 pp ahead of the Growth category average of 0.76%. The fund ranks #72 of 264 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Principal Dividend Yield Fund-Dividend Plan has delivered a CAGR of 6.60% — +6.58 pp ahead of the Growth category average of 0.02%. The fund ranks #90 of 208 in its category — the second (Q2) quartile.

₹1 lakh invested in Principal Dividend Yield Fund-Dividend Plan exactly 10 years ago would be worth approximately ₹235,074 today — a multiplier of 2.35×, based on the 10-year CAGR of 8.92%. The category average over the same window would have grown ₹1 lakh to ₹200,432.

A ₹10,000 monthly SIP in Principal Dividend Yield Fund-Dividend Plan over the last 5 years — total invested ₹600,000 — would be worth ₹800,798 today. That's an XIRR (money-weighted annualised return) of 11.47%.

A ₹10,000 monthly SIP for 10 years in Principal Dividend Yield Fund-Dividend Plan = ₹1,200,000 invested. It would currently be worth ₹1,768,559 (multiplier 1.47×). XIRR: 7.52%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Principal Dividend Yield Fund-Dividend Plan ranks #90 out of 208 funds in the Growth category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 0.02%; this fund delivered 6.60%.

The worst peak-to-trough decline Principal Dividend Yield Fund-Dividend Plan has experienced over the last 5-year window is 44.11% — its NAV fell from a high on 09 Jun 2017 to a low on 23 Mar 2020. 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, Principal Dividend Yield Fund-Dividend Plan averaged 5.94% (best 20.39%, worst -4.40%). 89% of rolling windows ended positive. The 5-year Sharpe ratio is 0.11 — weak risk-adjusted performance.

In calendar year 2020, Principal Dividend Yield Fund-Dividend Plan returned 14.49% — beating the Growth category average of -9.83% by 24.31 pp. It ranked #8 of 39 in its category that year.

Principal Dividend Yield Fund-Dividend Plan 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. Principal Dividend Yield Fund-Dividend Plan 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: 44.1%. 5-year CAGR: 6.60%.

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