PRINCIPAL

Principal Child Benefit Fund-Super Saver-Career Builder Plan

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	+0.64%	-9.99%	+10.62	28 / 1129	Q1
1W	+1.30%	-13.04%	+14.34	37 / 1151	Q1
2W	+1.99%	-13.18%	+15.18	30 / 1149	Q1
1M	+1.93%	-13.26%	+15.19	38 / 1137	Q1
3M	+0.14%	-13.15%	+13.29	375 / 1116	Q2
6M	+9.22%	-15.45%	+24.67	20 / 906	Q1
YTD	-1.94%	-15.77%	+13.83	640 / 952	Q3
1Y	+0.79%	-13.09%	+13.88	398 / 820	Q2
2Y	+2.50%	-12.72%	+15.22	182 / 446	Q2
3Y	+0.12%	-11.01%	+11.13	225 / 385	Q3
4Y	+0.60%	-6.52%	+7.12	191 / 339	Q3
5Y	+13.58%	-7.36%	+20.94	1 / 314	Q1
7Y	+5.95%	+2.53%	+3.42	82 / 234	Q2
10Y	—	—	—	—	—
Inception	+7.41%	-13.63%	+21.04	258 / 1199	Q1

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
2014 YTD	-1.94%	+5.51%	-7.45	232 / 240
2013	-3.82%	-1.95%	-1.87	254 / 276
2012	+22.69%	+1.38%	+21.31	1 / 295
2011	-22.65%	-3.16%	-19.48	300 / 317
2010	+12.35%	-5.78%	+18.14	2 / 377
2009	+61.42%	-12.86%	+74.28	1 / 713
2008	-45.71%	-2.02%	-43.69	370 / 380
2007	+63.10%	+4.84%	+58.27	1 / 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

+11.51%

85 windows

min -44.0% · max 82.3%

64% positive

3-Year rolling

+7.04%

60 windows

min -5.2% · max 22.6%

85% positive

5-Year rolling

+6.64%

36 windows

min -0.9% · max 16.8%

97% positive

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

7-Year rolling

+7.78%

12 windows

min 5.0% · max 10.3%

100% 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

14.46%

3-year · annualised

Sharpe ratio

-0.32

vs risk-free 6.5%

Sortino ratio

-0.43

Downside-only deviation

Max drawdown

-20.65%

Apr 2011 → Dec 2011

% positive months

55.6%

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 Feb 2014	₹83.8900
26 Feb 2014	₹83.3600
25 Feb 2014	₹82.8200
24 Feb 2014	₹82.6300
21 Feb 2014	₹82.8100
20 Feb 2014	₹82.2000
19 Feb 2014	₹82.7800
18 Feb 2014	₹82.4900
17 Feb 2014	₹82.4200
14 Feb 2014	₹82.2500

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.

Principal Child Benefit Fund-Super Saver-Career Builder Plan is a Income from PRINCIPAL (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.

Principal Child Benefit Fund-Super Saver-Career Builder Plan 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.

Principal Child Benefit Fund-Super Saver-Career Builder Plan is managed by PRINCIPAL. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Principal Child Benefit Fund-Super Saver-Career Builder Plan has delivered a absolute return of 0.79% — +13.88 pp ahead of the Income category average of -13.09%. The fund ranks #398 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Principal Child Benefit Fund-Super Saver-Career Builder Plan has delivered a CAGR of 0.12% — +11.13 pp ahead of the Income category average of -11.01%. The fund ranks #225 of 385 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Principal Child Benefit Fund-Super Saver-Career Builder Plan has delivered a CAGR of 13.58% — +20.94 pp ahead of the Income category average of -7.36%. The fund ranks #1 of 314 in its category — the top (Q1) quartile.

₹1 lakh invested in Principal Child Benefit Fund-Super Saver-Career Builder Plan exactly 5 years ago would be worth approximately ₹189,027 today — a multiplier of 1.89×, based on the 5-year CAGR of 13.58%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in Principal Child Benefit Fund-Super Saver-Career Builder Plan over the last 5 years — total invested ₹600,000 — would be worth ₹637,450 today. That's an XIRR (money-weighted annualised return) of 2.38%.

Principal Child Benefit Fund-Super Saver-Career Builder Plan doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹949,301 — XIRR 3.44%.

On a 5-year basis, Principal Child Benefit Fund-Super Saver-Career Builder Plan ranks #1 out of 314 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -7.36%; this fund delivered 13.58%.

The worst peak-to-trough decline Principal Child Benefit Fund-Super Saver-Career Builder Plan has experienced over the last 5-year window is 27.92% — its NAV fell from a high on 10 Nov 2010 to a low on 20 Dec 2011. 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, Principal Child Benefit Fund-Super Saver-Career Builder Plan averaged 6.64% (best 16.78%, worst -0.86%). 97% of rolling windows ended positive. The 5-year Sharpe ratio is 0.43 — weak risk-adjusted performance.

In calendar year 2013, Principal Child Benefit Fund-Super Saver-Career Builder Plan returned -3.82% — lagging the Income category average of -1.95% by 1.87 pp. It ranked #254 of 276 in its category that year.

Principal Child Benefit Fund-Super Saver-Career Builder Plan 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. Principal Child Benefit Fund-Super Saver-Career Builder Plan 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: 27.9%. 5-year CAGR: 13.58%.

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