5-Year rolling consistency
Most consistent mutual funds
We compute the rolling 5-year CAGR for every overlapping monthly window in each fund's history. A fund near the top of this list was positive in nearly every such window — the closest thing to "boring, reliable, predictable". Excludes cash-parking categories.
Why "% positive" matters
A trailing 5-year CAGR is a single number — sensitive to the exact start and end dates. A fund that returned +18% from Jan 2020 to Jan 2025 could have returned +25% from Mar 2020 (the COVID bottom) or +12% from Sep 2021 (a peak). Rolling 5-year returns smooth out this start-date bias by averaging across hundreds of overlapping windows.
% positive is the share of those rolling windows where the fund delivered a positive CAGR. A value of 100% means: no matter when in the fund's history you started, holding for 5 years was always positive. That's the gold standard for "reliable".
What this list isn't
Consistency ≠ highest absolute return. The funds at the top of this list won't necessarily appear in the biggest wealth creators list, because sectoral and thematic funds with explosive 2-3 year runs deliver enormous SIP outcomes but also have huge drawdowns. Pick your trade-off intentionally.