Should I invest in LICMF Opportunities Fund?

We don't give personal investment advice. LICMF Opportunities Fund-Dividend 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: 49.3%. 5-year CAGR: 0.04%.

LIC

LICMF Opportunities Fund-Dividend

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	+0.00%	+0.06%	-0.06	155 / 299	Q3
1W	+1.26%	-3.61%	+4.87	61 / 303	Q1
2W	+2.26%	-4.52%	+6.78	66 / 303	Q1
1M	+6.27%	-5.64%	+11.90	29 / 302	Q1
3M	-1.06%	-4.27%	+3.21	156 / 302	Q3
6M	+3.45%	+1.48%	+1.97	147 / 307	Q2
YTD	-0.43%	-0.18%	-0.25	150 / 309	Q2
1Y	+13.91%	+7.10%	+6.80	117 / 307	Q2
2Y	+0.27%	+2.20%	-1.93	188 / 303	Q3
3Y	+3.32%	+0.76%	+2.56	151 / 264	Q3
4Y	+9.70%	+0.58%	+9.12	76 / 235	Q2
5Y	+0.04%	+0.02%	+0.02	155 / 208	Q3
7Y	-4.17%	+3.12%	-7.29	123 / 130	Q4
10Y	—	—	—	—	—
Inception	-3.18%	+0.51%	-3.69	253 / 310	Q4

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
2013 YTD	-0.43%	+0.03%	-0.45	92 / 154
2012	+26.25%	+23.57%	+2.68	98 / 190
2011	-28.56%	-23.68%	-4.88	193 / 241
2010	—	—	—	—
2009	+54.23%	+65.86%	-11.63	178 / 238
2008	-55.91%	-52.86%	-3.05	94 / 198
2007	+17.45%	+42.91%	-25.46	115 / 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

+1.67%

75 windows

min -65.6% · max 75.1%

59% positive

3-Year rolling

-0.70%

51 windows

min -22.4% · max 19.4%

49% positive

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

5-Year rolling

-4.27%

26 windows

min -8.8% · max 0.4%

12% positive

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

7-Year rolling

-4.21%

2 windows

min -4.2% · max -4.2%

0% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

18.24%

3-year · annualised

Sharpe ratio

-0.11

vs risk-free 6.5%

Sortino ratio

-0.19

Downside-only deviation

Max drawdown

-31.62%

Nov 2010 → Dec 2011

% positive months

44.4%

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
6 May 2013	₹10.6134
3 May 2013	₹10.5716
2 May 2013	₹10.6695
30 Apr 2013	₹10.5413
29 Apr 2013	₹10.4811
26 Apr 2013	₹10.4350
25 Apr 2013	₹10.5097
23 Apr 2013	₹10.3905
22 Apr 2013	₹10.3787
18 Apr 2013	₹10.3000

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.

LICMF Opportunities Fund-Dividend is a Growth from LIC (Unknown plan, Growth option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

LICMF Opportunities Fund-Dividend 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.

LICMF Opportunities Fund-Dividend is managed by LIC. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, LICMF Opportunities Fund-Dividend has delivered a absolute return of 13.91% — +6.8 pp ahead of the Growth category average of 7.10%. The fund ranks #117 of 307 in its category — the second (Q2) quartile.

Over the trailing 3-year window, LICMF Opportunities Fund-Dividend has delivered a CAGR of 3.32% — +2.56 pp ahead of the Growth category average of 0.76%. The fund ranks #151 of 264 in its category — the third (Q3) quartile.

Over the trailing 5-year window, LICMF Opportunities Fund-Dividend has delivered a CAGR of 0.04% — +0.02 pp ahead of the Growth category average of 0.02%. The fund ranks #155 of 208 in its category — the third (Q3) quartile.

₹1 lakh invested in LICMF Opportunities Fund-Dividend exactly 5 years ago would be worth approximately ₹100,220 today — a multiplier of 1.00×, based on the 5-year CAGR of 0.04%. The category average over the same window would have grown ₹1 lakh to ₹100,100.

A ₹10,000 monthly SIP in LICMF Opportunities Fund-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹692,303 today. That's an XIRR (money-weighted annualised return) of 5.66%.

LICMF Opportunities Fund-Dividend doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹899,505 — XIRR 1.93%.

On a 5-year basis, LICMF Opportunities Fund-Dividend ranks #155 out of 208 funds in the Growth category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 0.02%; this fund delivered 0.04%.

The worst peak-to-trough decline LICMF Opportunities Fund-Dividend has experienced over the last 5-year window is 49.28% — its NAV fell from a high on 06 May 2008 to a low on 27 Oct 2008. 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, LICMF Opportunities Fund-Dividend averaged -4.27% (best 0.41%, worst -8.78%). 12% of rolling windows ended positive. The 5-year Sharpe ratio is -0.09 — negative risk-adjusted performance.

In calendar year 2012, LICMF Opportunities Fund-Dividend returned 26.25% — beating the Growth category average of 23.57% by 2.68 pp. It ranked #98 of 190 in its category that year.

LICMF Opportunities Fund-Dividend 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. LICMF Opportunities Fund-Dividend 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: 49.3%. 5-year CAGR: 0.04%.

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