Should I invest in AIG Short Term Fund?

We don't give personal investment advice. AIG Short Term Fund-Institutional Plan-Growth Option 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. Worst 5-year drawdown: 1.4%. 5-year CAGR: 8.43%.

AIG Global Investment Group

AIG Short Term Fund-Institutional Plan-Growth Option

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%	+6.99%	-6.98	128 / 763	Q1
1W	+0.15%	+6.38%	-6.23	125 / 722	Q1
2W	+0.62%	+6.63%	-6.01	68 / 725	Q1
1M	+1.21%	+6.29%	-5.08	76 / 752	Q1
3M	+2.98%	+7.87%	-4.89	65 / 728	Q1
6M	+5.49%	+9.67%	-4.18	90 / 642	Q1
YTD	+1.08%	+8.47%	-7.39	318 / 666	Q2
1Y	+10.09%	+13.70%	-3.61	57 / 591	Q1
2Y	+8.34%	-5.03%	+13.37	43 / 197	Q1
3Y	+9.01%	-3.09%	+12.10	15 / 140	Q1
4Y	+9.23%	+1.62%	+7.62	8 / 119	Q1
5Y	+8.43%	-0.16%	+8.58	11 / 102	Q1
7Y	+7.40%	+2.05%	+5.36	12 / 64	Q1
10Y	—	—	—	—	—
Inception	+7.52%	-3.28%	+10.80	280 / 797	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
2015 YTD	+1.08%	+2.23%	-1.14	32 / 65
2014	+9.43%	+2.77%	+6.66	14 / 82
2013	+6.92%	+1.77%	+5.15	20 / 101
2012	+10.06%	-0.30%	+10.37	5 / 113
2011	+9.84%	+1.75%	+8.09	4 / 109
2010	+4.90%	-0.95%	+5.84	30 / 165
2009	+7.56%	-0.31%	+7.87	78 / 482
2008	—	—	—	—

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

+7.60%

72 windows

min 3.6% · max 10.5%

100% positive

3-Year rolling

+7.97%

48 windows

min 5.3% · max 9.0%

100% positive

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

5-Year rolling

+7.69%

24 windows

min 7.1% · max 8.4%

100% positive

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

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

1.30%

3-year · annualised

Sharpe ratio

1.68

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.45%

Jul 2013 → Jul 2013

% positive months

97.2%

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
28 Jan 2015	₹1,649.7310
27 Jan 2015	₹1,649.5042
23 Jan 2015	₹1,648.3244
22 Jan 2015	₹1,647.5070
21 Jan 2015	₹1,647.2980
20 Jan 2015	₹1,646.1282
19 Jan 2015	₹1,645.0956
16 Jan 2015	₹1,644.5026
15 Jan 2015	₹1,643.2584
14 Jan 2015	₹1,639.6160

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.

AIG Short Term Fund-Institutional Plan-Growth Option is a Income from AIG Global Investment Group (Institutional plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

AIG Short Term Fund-Institutional Plan-Growth Option has NAV history starting from 07 Mar 2008, a track record of about 18 years 3 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.

AIG Short Term Fund-Institutional Plan-Growth Option is managed by AIG Global Investment Group. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, AIG Short Term Fund-Institutional Plan-Growth Option has delivered a absolute return of 10.09% — -3.61 pp behind the Income category average of 13.70%. The fund ranks #57 of 591 in its category — the top (Q1) quartile.

Over the trailing 3-year window, AIG Short Term Fund-Institutional Plan-Growth Option has delivered a CAGR of 9.01% — +12.1 pp ahead of the Income category average of -3.09%. The fund ranks #15 of 140 in its category — the top (Q1) quartile.

Over the trailing 5-year window, AIG Short Term Fund-Institutional Plan-Growth Option has delivered a CAGR of 8.43% — +8.58 pp ahead of the Income category average of -0.16%. The fund ranks #11 of 102 in its category — the top (Q1) quartile.

₹1 lakh invested in AIG Short Term Fund-Institutional Plan-Growth Option exactly 5 years ago would be worth approximately ₹149,852 today — a multiplier of 1.50×, based on the 5-year CAGR of 8.43%. The category average over the same window would have grown ₹1 lakh to ₹99,222.

A ₹10,000 monthly SIP in AIG Short Term Fund-Institutional Plan-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹752,212 today. That's an XIRR (money-weighted annualised return) of 8.96%.

AIG Short Term Fund-Institutional Plan-Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹752,212 — XIRR 8.96%.

On a 5-year basis, AIG Short Term Fund-Institutional Plan-Growth Option ranks #11 out of 102 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -0.16%; this fund delivered 8.43%.

The worst peak-to-trough decline AIG Short Term Fund-Institutional Plan-Growth Option has experienced over the last 5-year window is 1.45% — its NAV fell from a high on 15 Jul 2013 to a low on 16 Jul 2013. 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, AIG Short Term Fund-Institutional Plan-Growth Option averaged 7.69% (best 8.43%, worst 7.07%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 1.40 — strong risk-adjusted performance.

In calendar year 2014, AIG Short Term Fund-Institutional Plan-Growth Option returned 9.43% — beating the Income category average of 2.77% by 6.66 pp. It ranked #14 of 82 in its category that year.

AIG Short Term Fund-Institutional Plan-Growth Option 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. AIG Short Term Fund-Institutional Plan-Growth Option 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. Worst 5-year drawdown: 1.4%. 5-year CAGR: 8.43%.

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