Should I invest in KOTAK LIFESTYLE FUND--?

We don't give personal investment advice. KOTAK LIFESTYLE FUND---Growth is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 65.4%. 5-year CAGR: 7.31%.

Kotak Mahindra

KOTAK LIFESTYLE FUND---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	-0.55%	+0.06%	-0.62	248 / 299	Q4
1W	+0.23%	-3.61%	+3.84	121 / 303	Q2
2W	+4.30%	-4.52%	+8.82	25 / 303	Q1
1M	-1.50%	-5.64%	+4.14	167 / 302	Q3
3M	-2.01%	-4.27%	+2.26	159 / 302	Q3
6M	+4.16%	+1.48%	+2.68	141 / 307	Q2
YTD	-9.33%	-0.18%	-9.15	216 / 309	Q3
1Y	-8.38%	+7.10%	-15.48	220 / 307	Q3
2Y	+14.03%	+2.20%	+11.83	101 / 303	Q2
3Y	+10.43%	+0.76%	+9.68	88 / 264	Q2
4Y	+0.01%	+0.58%	-0.57	173 / 235	Q3
5Y	+7.31%	+0.02%	+7.29	84 / 208	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+4.62%	+0.51%	+4.11	156 / 310	Q3

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	-9.33%	-23.68%	+14.35	17 / 241
2010	+31.42%	+11.69%	+19.73	10 / 256
2009	+59.25%	+65.86%	-6.61	165 / 238
2008	-59.51%	-52.86%	-6.65	132 / 198
2007	+46.41%	+42.91%	+3.49	61 / 137
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

+14.23%

55 windows

min -57.2% · max 79.3%

71% positive

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

3-Year rolling

+1.58%

30 windows

min -10.7% · max 15.3%

60% positive

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

5-Year rolling

+8.07%

6 windows

min 4.1% · max 11.8%

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

26.40%

3-year · annualised

Sharpe ratio

0.26

vs risk-free 6.5%

Sortino ratio

0.40

Downside-only deviation

Max drawdown

-38.73%

Sep 2008 → Mar 2009

% positive months

58.3%

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
9 Sep 2011	₹13.3270
8 Sep 2011	₹13.4010
7 Sep 2011	₹13.4180
6 Sep 2011	₹13.2660
5 Sep 2011	₹13.2700
2 Sep 2011	₹13.2960
30 Aug 2011	₹13.2330
29 Aug 2011	₹13.0340
26 Aug 2011	₹12.7780
25 Aug 2011	₹12.9620

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.

KOTAK LIFESTYLE FUND---Growth is a Growth from Kotak Mahindra (Unknown plan, Growth option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

KOTAK LIFESTYLE FUND---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.

KOTAK LIFESTYLE FUND---Growth is managed by Kotak Mahindra. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, KOTAK LIFESTYLE FUND---Growth has delivered a absolute return of -8.38% — -15.48 pp behind the Growth category average of 7.10%. The fund ranks #220 of 307 in its category — the third (Q3) quartile.

Over the trailing 3-year window, KOTAK LIFESTYLE FUND---Growth has delivered a CAGR of 10.43% — +9.68 pp ahead of the Growth category average of 0.76%. The fund ranks #88 of 264 in its category — the second (Q2) quartile.

Over the trailing 5-year window, KOTAK LIFESTYLE FUND---Growth has delivered a CAGR of 7.31% — +7.29 pp ahead of the Growth category average of 0.02%. The fund ranks #84 of 208 in its category — the second (Q2) quartile.

₹1 lakh invested in KOTAK LIFESTYLE FUND---Growth exactly 5 years ago would be worth approximately ₹142,291 today — a multiplier of 1.42×, based on the 5-year CAGR of 7.31%. The category average over the same window would have grown ₹1 lakh to ₹100,100.

A ₹10,000 monthly SIP in KOTAK LIFESTYLE FUND---Growth over the last 5 years — total invested ₹600,000 — would be worth ₹729,511 today. That's an XIRR (money-weighted annualised return) of 7.74%.

KOTAK LIFESTYLE FUND---Growth doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹729,511 — XIRR 7.74%.

On a 5-year basis, KOTAK LIFESTYLE FUND---Growth ranks #84 out of 208 funds in the Growth category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 0.02%; this fund delivered 7.31%.

The worst peak-to-trough decline KOTAK LIFESTYLE FUND---Growth has experienced over the last 5-year window is 65.37% — its NAV fell from a high on 07 Jan 2008 to a low on 09 Mar 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, KOTAK LIFESTYLE FUND---Growth averaged 8.07% (best 11.79%, worst 4.07%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.14 — weak risk-adjusted performance.

In calendar year 2010, KOTAK LIFESTYLE FUND---Growth returned 31.42% — beating the Growth category average of 11.69% by 19.73 pp. It ranked #10 of 256 in its category that year.

KOTAK LIFESTYLE FUND---Growth doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. KOTAK LIFESTYLE FUND---Growth is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 65.4%. 5-year CAGR: 7.31%.

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