Should I invest in Fidelity Flexi Bond Fund Growth Option?

We don't give personal investment advice. Fidelity Flexi Bond Fund - Retail 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: 3.9%. 5-year CAGR: 6.50%.

Fidelity

Fidelity Flexi Bond Fund - Retail 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	-0.09%	-7.11%	+7.02	491 / 732	Q3
1W	-0.04%	-12.64%	+12.60	234 / 699	Q2
2W	+0.15%	-12.71%	+12.86	186 / 712	Q2
1M	+0.06%	-12.43%	+12.49	266 / 754	Q2
3M	+2.47%	-11.47%	+13.95	118 / 740	Q1
6M	+4.78%	-9.57%	+14.34	163 / 680	Q1
YTD	+8.22%	-9.94%	+18.16	48 / 704	Q1
1Y	+11.53%	-7.10%	+18.63	16 / 627	Q1
2Y	+8.08%	-7.27%	+15.35	30 / 143	Q1
3Y	+5.99%	-2.77%	+8.76	29 / 83	Q2
4Y	+6.33%	+0.17%	+6.16	20 / 70	Q2
5Y	+6.50%	+0.12%	+6.38	19 / 66	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.52%	-6.12%	+12.64	329 / 770	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
2012 YTD	+8.22%	+3.57%	+4.65	15 / 54
2011	+6.77%	+2.03%	+4.74	20 / 66
2010	+2.77%	-4.87%	+7.63	36 / 143
2009	+2.77%	-9.70%	+12.47	232 / 552
2008	+10.67%	+2.86%	+7.81	5 / 257
2007	+7.43%	+6.35%	+1.08	11 / 20
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

+6.40%

63 windows

min 1.5% · max 11.7%

100% positive

3-Year rolling

+5.71%

40 windows

min 4.2% · max 7.3%

100% positive

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

5-Year rolling

+6.27%

16 windows

min 5.5% · max 6.6%

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

2.34%

3-year · annualised

Sharpe ratio

-0.27

vs risk-free 6.5%

Sortino ratio

-0.89

Downside-only deviation

Max drawdown

-1.83%

Sep 2011 → Nov 2011

% positive months

83.3%

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
22 Nov 2012	₹14.8421
21 Nov 2012	₹14.8548
20 Nov 2012	₹14.8582
19 Nov 2012	₹14.8595
16 Nov 2012	₹14.8454
15 Nov 2012	₹14.8476
12 Nov 2012	₹14.8261
9 Nov 2012	₹14.8178
8 Nov 2012	₹14.8206
7 Nov 2012	₹14.8141

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.

Fidelity Flexi Bond Fund - Retail Plan Growth Option is a Income from Fidelity (Retail plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Fidelity Flexi Bond Fund - Retail Plan Growth Option has NAV history starting from 31 Aug 2006, a track record of about 19 years 9 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.

Fidelity Flexi Bond Fund - Retail Plan Growth Option is managed by Fidelity. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Fidelity Flexi Bond Fund - Retail Plan Growth Option has delivered a absolute return of 11.53% — +18.63 pp ahead of the Income category average of -7.10%. The fund ranks #16 of 627 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Fidelity Flexi Bond Fund - Retail Plan Growth Option has delivered a CAGR of 5.99% — +8.76 pp ahead of the Income category average of -2.77%. The fund ranks #29 of 83 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Fidelity Flexi Bond Fund - Retail Plan Growth Option has delivered a CAGR of 6.50% — +6.38 pp ahead of the Income category average of 0.12%. The fund ranks #19 of 66 in its category — the second (Q2) quartile.

₹1 lakh invested in Fidelity Flexi Bond Fund - Retail Plan Growth Option exactly 5 years ago would be worth approximately ₹137,018 today — a multiplier of 1.37×, based on the 5-year CAGR of 6.50%. The category average over the same window would have grown ₹1 lakh to ₹100,600.

A ₹10,000 monthly SIP in Fidelity Flexi Bond Fund - Retail Plan Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹710,059 today. That's an XIRR (money-weighted annualised return) of 6.66%.

Fidelity Flexi Bond Fund - Retail 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 ₹710,059 — XIRR 6.66%.

On a 5-year basis, Fidelity Flexi Bond Fund - Retail Plan Growth Option ranks #19 out of 66 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 0.12%; this fund delivered 6.50%.

The worst peak-to-trough decline Fidelity Flexi Bond Fund - Retail Plan Growth Option has experienced over the last 5-year window is 3.88% — its NAV fell from a high on 22 Apr 2009 to a low on 28 Aug 2009. 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, Fidelity Flexi Bond Fund - Retail Plan Growth Option averaged 6.27% (best 6.61%, worst 5.54%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.05 — negative risk-adjusted performance.

In calendar year 2011, Fidelity Flexi Bond Fund - Retail Plan Growth Option returned 6.77% — beating the Income category average of 2.03% by 4.74 pp. It ranked #20 of 66 in its category that year.

Fidelity Flexi Bond Fund - Retail 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. Fidelity Flexi Bond Fund - Retail 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: 3.9%. 5-year CAGR: 6.50%.

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