Should I invest in DSP BlackRock Savings Manager Fund - Conservative?

We don't give personal investment advice. DSP BlackRock Savings Manager Fund - Conservative - Growth 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. 5-year CAGR: 4.69%.

DSP BlackRock

DSP BlackRock Savings Manager Fund - Conservative - Growth

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	+0.18%	-9.99%	+10.17	54 / 1129	Q1
1W	+0.20%	-13.04%	+13.23	136 / 1151	Q1
2W	+0.35%	-13.18%	+13.53	117 / 1149	Q1
1M	+0.16%	-13.26%	+13.42	307 / 1137	Q2
3M	+0.67%	-13.15%	+13.81	330 / 1116	Q2
6M	+2.03%	-15.45%	+17.48	338 / 906	Q2
YTD	+0.08%	-15.77%	+15.85	408 / 952	Q2
1Y	+4.18%	-13.09%	+17.26	342 / 820	Q2
2Y	+4.90%	-12.72%	+17.62	147 / 446	Q2
3Y	+4.44%	-11.01%	+15.45	124 / 385	Q2
4Y	+4.41%	-6.52%	+10.93	113 / 339	Q2
5Y	+4.69%	-7.36%	+12.06	102 / 314	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+4.79%	-13.63%	+18.42	329 / 1199	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
2011 YTD	+0.08%	-3.16%	+3.24	174 / 317
2010	+4.16%	-5.78%	+9.94	102 / 377
2009	+5.94%	-12.86%	+18.79	176 / 713
2008	+1.27%	-2.02%	+3.29	144 / 380
2007	+6.66%	+4.84%	+1.82	73 / 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

+4.82%

48 windows

min 0.5% · max 8.8%

100% positive

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

3-Year rolling

+4.67%

24 windows

min 3.8% · max 6.0%

100% positive

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

5-Year rolling

—

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

1.69%

3-year · annualised

Sharpe ratio

-1.25

vs risk-free 6.5%

Sortino ratio

-2.33

Downside-only deviation

Max drawdown

-2.59%

Aug 2009 → Sep 2009

% positive months

88.9%

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
25 Feb 2011	₹14.3489
24 Feb 2011	₹14.3227
23 Feb 2011	₹14.3280
22 Feb 2011	₹14.3318
21 Feb 2011	₹14.3338
18 Feb 2011	₹14.3209
17 Feb 2011	₹14.3231
15 Feb 2011	₹14.3184
14 Feb 2011	₹14.3115
11 Feb 2011	₹14.2986

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.

DSP BlackRock Savings Manager Fund - Conservative - Growth is a Income from DSP BlackRock (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.

DSP BlackRock Savings Manager Fund - Conservative - Growth 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.

DSP BlackRock Savings Manager Fund - Conservative - Growth is managed by DSP BlackRock. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DSP BlackRock Savings Manager Fund - Conservative - Growth has delivered a absolute return of 4.18% — +17.26 pp ahead of the Income category average of -13.09%. The fund ranks #342 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, DSP BlackRock Savings Manager Fund - Conservative - Growth has delivered a CAGR of 4.44% — +15.45 pp ahead of the Income category average of -11.01%. The fund ranks #124 of 385 in its category — the second (Q2) quartile.

Over the trailing 5-year window, DSP BlackRock Savings Manager Fund - Conservative - Growth has delivered a CAGR of 4.69% — +12.06 pp ahead of the Income category average of -7.36%. The fund ranks #102 of 314 in its category — the second (Q2) quartile.

₹1 lakh invested in DSP BlackRock Savings Manager Fund - Conservative - Growth exactly 5 years ago would be worth approximately ₹125,774 today — a multiplier of 1.26×, based on the 5-year CAGR of 4.69%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in DSP BlackRock Savings Manager Fund - Conservative - Growth over the last 3 years — total invested ₹360,000 — would be worth ₹384,308 today. That's an XIRR (money-weighted annualised return) of 4.27%.

DSP BlackRock Savings Manager Fund - Conservative - Growth doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹384,308 — XIRR 4.27%.

On a 5-year basis, DSP BlackRock Savings Manager Fund - Conservative - Growth ranks #102 out of 314 funds in the Income category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -7.36%; this fund delivered 4.69%.

The worst peak-to-trough decline DSP BlackRock Savings Manager Fund - Conservative - Growth has experienced over the last 3-year window is 2.59% — its NAV fell from a high on 28 Aug 2009 to a low on 03 Sep 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, DSP BlackRock Savings Manager Fund - Conservative - Growth averaged 4.67% (best 5.99%, worst 3.81%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -1.25 — negative risk-adjusted performance.

In calendar year 2010, DSP BlackRock Savings Manager Fund - Conservative - Growth returned 4.16% — beating the Income category average of -5.78% by 9.94 pp. It ranked #102 of 377 in its category that year.

DSP BlackRock Savings Manager Fund - Conservative - Growth 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. DSP BlackRock Savings Manager Fund - Conservative - Growth 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. 5-year CAGR: 4.69%.

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