Should I invest in Principal Pnb Long Term Equity Fund - 3 Year Plan - Series I?

We don't give personal investment advice. Principal Pnb Long Term Equity Fund - 3 Year Plan - Series I - Dividend Option 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.

PRINCIPAL

Principal Pnb Long Term Equity Fund - 3 Year Plan - Series I - Dividend 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	+0.51%	+0.06%	+0.45	72 / 299	Q1
1W	-1.79%	-3.61%	+1.82	227 / 303	Q3
2W	-1.89%	-4.52%	+2.63	200 / 303	Q3
1M	-6.62%	-5.64%	-0.99	236 / 302	Q4
3M	-2.28%	-4.27%	+1.99	165 / 302	Q3
6M	-20.15%	+1.48%	-21.63	273 / 307	Q4
YTD	-18.09%	-0.18%	-17.91	253 / 309	Q4
1Y	-7.24%	+7.10%	-14.34	215 / 307	Q3
2Y	+17.49%	+2.20%	+15.29	75 / 303	Q1
3Y	-8.30%	+0.76%	-9.06	225 / 264	Q4
4Y	-2.16%	+0.58%	-2.74	189 / 235	Q4
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+0.07%	+0.51%	-0.44	227 / 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	-18.09%	-23.68%	+5.59	61 / 241
2010	+11.88%	+11.69%	+0.20	139 / 256
2009	+99.08%	+65.86%	+33.21	26 / 238
2008	-70.87%	-52.86%	-18.01	191 / 198
2007	—	—	—	—

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

+12.20%

39 windows

min -70.9% · max 133.9%

49% positive

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

3-Year rolling

-2.99%

15 windows

min -10.9% · max 3.9%

33% positive

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

5-Year rolling

—

Insufficient history

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

40.06%

3-year · annualised

Sharpe ratio

-0.17

vs risk-free 6.5%

Sortino ratio

-0.24

Downside-only deviation

Max drawdown

-68.09%

May 2008 → Mar 2009

% positive months

50.0%

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
20 May 2011	₹9.8700
19 May 2011	₹9.8200
18 May 2011	₹9.8800
17 May 2011	₹9.9300
16 May 2011	₹10.0100
13 May 2011	₹10.0500
12 May 2011	₹9.9800
11 May 2011	₹10.0600
10 May 2011	₹10.0400
9 May 2011	₹10.0600

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 Pnb Long Term Equity Fund - 3 Year Plan - Series I - Dividend Option is a Growth from PRINCIPAL (Unknown plan, Growth option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Principal Pnb Long Term Equity Fund - 3 Year Plan - Series I - Dividend Option has NAV history starting from 26 Mar 2007, a track record of about 19 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 Pnb Long Term Equity Fund - 3 Year Plan - Series I - Dividend Option is managed by PRINCIPAL. It's classified by AMFI under the 'Growth' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Principal Pnb Long Term Equity Fund - 3 Year Plan - Series I - Dividend Option has delivered a absolute return of -7.24% — -14.34 pp behind the Growth category average of 7.10%. The fund ranks #215 of 307 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Principal Pnb Long Term Equity Fund - 3 Year Plan - Series I - Dividend Option has delivered a CAGR of -8.30% — -9.06 pp behind the Growth category average of 0.76%. The fund ranks #225 of 264 in its category — the bottom (Q4) quartile.

Principal Pnb Long Term Equity Fund - 3 Year Plan - Series I - Dividend Option doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in Principal Pnb Long Term Equity Fund - 3 Year Plan - Series I - Dividend Option exactly 3 years ago would be worth approximately ₹77,109 today — a multiplier of 0.77×, based on the 3-year CAGR of -8.30%. The category average over the same window would have grown ₹1 lakh to ₹102,292.

A ₹10,000 monthly SIP in Principal Pnb Long Term Equity Fund - 3 Year Plan - Series I - Dividend Option over the last 3 years — total invested ₹360,000 — would be worth ₹416,508 today. That's an XIRR (money-weighted annualised return) of 9.71%.

Principal Pnb Long Term Equity Fund - 3 Year Plan - Series I - Dividend Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹416,508 — XIRR 9.71%.

On a 3-year basis, Principal Pnb Long Term Equity Fund - 3 Year Plan - Series I - Dividend Option ranks #225 out of 264 funds in the Growth category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 0.76%; this fund delivered -8.30%.

The worst peak-to-trough decline Principal Pnb Long Term Equity Fund - 3 Year Plan - Series I - Dividend Option has experienced over the last 3-year window is 68.09% — its NAV fell from a high on 21 May 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 3-year rolling windows, Principal Pnb Long Term Equity Fund - 3 Year Plan - Series I - Dividend Option averaged -2.99% (best 3.94%, worst -10.94%). 33% of rolling windows ended positive. The 3-year Sharpe ratio is -0.17 — negative risk-adjusted performance.

In calendar year 2010, Principal Pnb Long Term Equity Fund - 3 Year Plan - Series I - Dividend Option returned 11.88% — beating the Growth category average of 11.69% by 0.20 pp. It ranked #139 of 256 in its category that year.

Principal Pnb Long Term Equity Fund - 3 Year Plan - Series I - Dividend Option 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. Principal Pnb Long Term Equity Fund - 3 Year Plan - Series I - Dividend Option 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.

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