Should I invest in HSBC Cash Fund - Inst. Plus?

We don't give personal investment advice. HSBC Cash Fund - Inst. Plus - Dividend - Weekly 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: 2.4%. 5-year CAGR: 2.09%.

HSBC

HSBC Cash Fund - Inst. Plus - Dividend - Weekly

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	+0.02%	-3.56%	+3.58	11 / 84	Q1
1W	+0.00%	-3.52%	+3.52	42 / 84	Q2
2W	+0.00%	-3.50%	+3.51	44 / 84	Q3
1M	+0.05%	-6.74%	+6.79	38 / 87	Q2
3M	+1.12%	-6.22%	+7.34	21 / 86	Q1
6M	+1.43%	-6.43%	+7.86	30 / 84	Q2
YTD	+4.85%	-6.15%	+11.00	7 / 85	Q1
1Y	+4.92%	-5.38%	+10.30	18 / 84	Q1
2Y	+4.20%	-6.52%	+10.73	23 / 86	Q2
3Y	+2.80%	-6.38%	+9.18	25 / 85	Q2
4Y	+2.09%	-7.58%	+9.67	23 / 74	Q2
5Y	+2.09%	-4.41%	+6.50	21 / 61	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+1.57%	-6.05%	+7.62	27 / 88	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	+4.85%	+2.94%	+1.91	19 / 58
2011	+3.48%	-4.13%	+7.60	21 / 67
2010	+0.06%	-2.87%	+2.93	32 / 68
2009	-0.05%	-0.61%	+0.56	55 / 63
2008	+2.07%	+2.48%	-0.41	16 / 54
2007	+0.21%	+2.06%	-1.85	19 / 45
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

+1.54%

71 windows

min -0.1% · max 5.9%

89% positive

3-Year rolling

+1.19%

46 windows

min 0.7% · max 2.8%

100% positive

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

5-Year rolling

+1.38%

22 windows

min 0.5% · max 2.1%

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

1.64%

3-year · annualised

Sharpe ratio

-2.26

vs risk-free 6.5%

Sortino ratio

-3.47

Downside-only deviation

Max drawdown

-1.99%

Sep 2011 → Oct 2011

% positive months

77.8%

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
28 Dec 2012	₹11.1231
27 Dec 2012	₹11.1205
26 Dec 2012	₹11.1179
25 Dec 2012	₹11.1153
24 Dec 2012	₹11.1127
23 Dec 2012	₹11.1102
21 Dec 2012	₹11.1230
20 Dec 2012	₹11.1204
19 Dec 2012	₹11.1178
18 Dec 2012	₹11.1152

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.

HSBC Cash Fund - Inst. Plus - Dividend - Weekly is a Liquid from HSBC (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.

HSBC Cash Fund - Inst. Plus - Dividend - Weekly has NAV history starting from 02 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.

HSBC Cash Fund - Inst. Plus - Dividend - Weekly is managed by HSBC. It's classified by AMFI under the 'Liquid' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HSBC Cash Fund - Inst. Plus - Dividend - Weekly has delivered a absolute return of 4.92% — +10.3 pp ahead of the Liquid category average of -5.38%. The fund ranks #18 of 84 in its category — the top (Q1) quartile.

Over the trailing 3-year window, HSBC Cash Fund - Inst. Plus - Dividend - Weekly has delivered a CAGR of 2.80% — +9.18 pp ahead of the Liquid category average of -6.38%. The fund ranks #25 of 85 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HSBC Cash Fund - Inst. Plus - Dividend - Weekly has delivered a CAGR of 2.09% — +6.5 pp ahead of the Liquid category average of -4.41%. The fund ranks #21 of 61 in its category — the second (Q2) quartile.

₹1 lakh invested in HSBC Cash Fund - Inst. Plus - Dividend - Weekly exactly 5 years ago would be worth approximately ₹110,878 today — a multiplier of 1.11×, based on the 5-year CAGR of 2.09%. The category average over the same window would have grown ₹1 lakh to ₹79,808.

A ₹10,000 monthly SIP in HSBC Cash Fund - Inst. Plus - Dividend - Weekly over the last 5 years — total invested ₹600,000 — would be worth ₹643,541 today. That's an XIRR (money-weighted annualised return) of 2.76%.

HSBC Cash Fund - Inst. Plus - Dividend - Weekly doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹643,541 — XIRR 2.76%.

On a 5-year basis, HSBC Cash Fund - Inst. Plus - Dividend - Weekly ranks #21 out of 61 funds in the Liquid category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -4.41%; this fund delivered 2.09%.

The worst peak-to-trough decline HSBC Cash Fund - Inst. Plus - Dividend - Weekly has experienced over the last 5-year window is 2.44% — its NAV fell from a high on 07 Nov 2008 to a low on 30 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, HSBC Cash Fund - Inst. Plus - Dividend - Weekly averaged 1.38% (best 2.09%, worst 0.51%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -3.27 — negative risk-adjusted performance.

In calendar year 2011, HSBC Cash Fund - Inst. Plus - Dividend - Weekly returned 3.48% — beating the Liquid category average of -4.13% by 7.60 pp. It ranked #21 of 67 in its category that year.

HSBC Cash Fund - Inst. Plus - Dividend - Weekly 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. HSBC Cash Fund - Inst. Plus - Dividend - Weekly 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: 2.4%. 5-year CAGR: 2.09%.

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