Should I invest in Sahara Wealth Plus Fund-Variable Pricing Option?

We don't give personal investment advice. Sahara Wealth Plus Fund-Variable Pricing Option-Dividend Option 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: 35.7%. 5-year CAGR: -1.49%.

Sahara

Sahara Wealth Plus Fund-Variable Pricing Option-Dividend Option

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	-0.01%	+0.06%	-0.07	177 / 299	Q3
1W	-8.53%	-3.61%	-4.92	286 / 303	Q4
2W	-18.22%	-4.52%	-13.70	283 / 303	Q4
1M	-28.52%	-5.64%	-22.88	276 / 302	Q4
3M	-25.25%	-4.27%	-20.98	271 / 302	Q4
6M	-22.38%	+1.48%	-23.86	281 / 307	Q4
YTD	-25.66%	-0.18%	-25.48	278 / 309	Q4
1Y	-24.76%	+7.10%	-31.86	269 / 307	Q4
2Y	-14.87%	+2.20%	-17.07	264 / 303	Q4
3Y	-7.84%	+0.76%	-8.60	218 / 264	Q4
4Y	-0.26%	+0.58%	-0.85	176 / 235	Q3
5Y	-1.49%	+0.02%	-1.51	171 / 208	Q4
7Y	+7.91%	+3.12%	+4.80	59 / 130	Q2
10Y	+3.83%	+7.20%	-3.37	47 / 68	Q3
Inception	+4.81%	+0.51%	+4.30	150 / 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
2020 YTD	-25.66%	-9.83%	-15.84	23 / 39
2019	+2.07%	+4.81%	-2.74	30 / 39
2018	-14.38%	-8.44%	-5.94	41 / 55
2017	+35.25%	+29.57%	+5.68	26 / 65
2016	+5.05%	+1.07%	+3.98	24 / 88
2015	+2.45%	-3.94%	+6.39	29 / 99
2014	+43.43%	+34.59%	+8.84	39 / 133
2013	-3.10%	+0.03%	-3.13	109 / 154
2012	+31.70%	+23.57%	+8.13	51 / 190
2011	-22.64%	-23.68%	+1.04	97 / 241
2010	+5.93%	+11.69%	-5.75	178 / 256

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

+10.21%

159 windows

min -47.4% · max 75.7%

59% positive

3-Year rolling

+9.13%

134 windows

min -11.1% · max 25.1%

88% positive

5-Year rolling

+8.90%

110 windows

min -2.0% · max 19.8%

95% positive

7-Year rolling

+8.87%

86 windows

min 1.6% · max 14.5%

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

21.33%

3-year · annualised

Sharpe ratio

-0.56

vs risk-free 6.5%

Sortino ratio

-0.63

Downside-only deviation

Max drawdown

-35.68%

Jan 2018 → Mar 2020

% positive months

52.8%

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
27 Mar 2020	₹27.2784
26 Mar 2020	₹27.2799
25 Mar 2020	₹27.2814
24 Mar 2020	₹27.2829
23 Mar 2020	₹27.2844
20 Mar 2020	₹29.8222
19 Mar 2020	₹28.9196
18 Mar 2020	₹29.6671
17 Mar 2020	₹30.9986
16 Mar 2020	₹31.5871

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.

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

Sahara Wealth Plus Fund-Variable Pricing Option-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.

Sahara Wealth Plus Fund-Variable Pricing Option-Dividend Option is managed by Sahara. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Sahara Wealth Plus Fund-Variable Pricing Option-Dividend Option has delivered a absolute return of -24.76% — -31.86 pp behind the Growth category average of 7.10%. The fund ranks #269 of 307 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Sahara Wealth Plus Fund-Variable Pricing Option-Dividend Option has delivered a CAGR of -7.84% — -8.6 pp behind the Growth category average of 0.76%. The fund ranks #218 of 264 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Sahara Wealth Plus Fund-Variable Pricing Option-Dividend Option has delivered a CAGR of -1.49% — -1.51 pp behind the Growth category average of 0.02%. The fund ranks #171 of 208 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Sahara Wealth Plus Fund-Variable Pricing Option-Dividend Option exactly 10 years ago would be worth approximately ₹145,680 today — a multiplier of 1.46×, based on the 10-year CAGR of 3.83%. The category average over the same window would have grown ₹1 lakh to ₹200,432.

A ₹10,000 monthly SIP in Sahara Wealth Plus Fund-Variable Pricing Option-Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹489,372 today. That's an XIRR (money-weighted annualised return) of -7.96%.

A ₹10,000 monthly SIP for 10 years in Sahara Wealth Plus Fund-Variable Pricing Option-Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,342,716 (multiplier 1.12×). XIRR: 2.21%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Sahara Wealth Plus Fund-Variable Pricing Option-Dividend Option ranks #171 out of 208 funds in the Growth category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 0.02%; this fund delivered -1.49%.

The worst peak-to-trough decline Sahara Wealth Plus Fund-Variable Pricing Option-Dividend Option has experienced over the last 5-year window is 35.68% — its NAV fell from a high on 08 Jan 2018 to a low on 27 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, Sahara Wealth Plus Fund-Variable Pricing Option-Dividend Option averaged 8.90% (best 19.76%, worst -1.97%). 95% of rolling windows ended positive. The 5-year Sharpe ratio is -0.29 — negative risk-adjusted performance.

In calendar year 2019, Sahara Wealth Plus Fund-Variable Pricing Option-Dividend Option returned 2.07% — lagging the Growth category average of 4.81% by 2.74 pp. It ranked #30 of 39 in its category that year.

Sahara Wealth Plus Fund-Variable Pricing Option-Dividend Option 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. Sahara Wealth Plus Fund-Variable Pricing Option-Dividend Option 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: 35.7%. 5-year CAGR: -1.49%.

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