Should I invest in Reliance Fixed Horizon Fund XXX- Series 8?

We don't give personal investment advice. Reliance Fixed Horizon Fund XXX- Series 8- Growth Option 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.

Reliance

Reliance Fixed Horizon Fund XXX- Series 8- Growth Option

Latest NAV

₹12.4638

As of

6 Jun 2019

784 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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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	-1.88%	-3.05%	+1.17	758 / 796	Q4
1W	-7.13%	-3.63%	-3.50	639 / 666	Q4
2W	-6.99%	-3.63%	-3.36	624 / 651	Q4
1M	-6.65%	-3.45%	-3.20	618 / 645	Q4
3M	-5.21%	-2.59%	-2.62	611 / 637	Q4
6M	-3.29%	-1.24%	-2.04	591 / 623	Q4
YTD	-3.95%	-1.35%	-2.60	592 / 618	Q4
1Y	+0.95%	+1.96%	-1.01	556 / 590	Q4
2Y	+4.45%	+2.60%	+1.86	498 / 556	Q4
3Y	+6.50%	+2.95%	+3.56	465 / 551	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.95%	+4.26%	+2.70	615 / 796	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
2019 YTD	-3.95%	+6.89%	-10.84	347 / 351
2018	+8.54%	+5.25%	+3.29	2 / 156
2017	+8.65%	+5.65%	+3.00	27 / 217
2016	—	—	—	—

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

+8.65%

28 windows

min 1.0% · max 11.1%

100% positive

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

3-Year rolling

+8.60%

4 windows

min 6.5% · max 9.5%

100% 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

4.31%

3-year · annualised

Sharpe ratio

-0.02

vs risk-free 6.5%

Sortino ratio

-0.02

Downside-only deviation

Max drawdown

-7.20%

Jun 2019 → Jun 2019

% positive months

97.2%

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.

Peers in Medium to Long Duration Fund

Scheme	Fund house	NAV	As of
HDFC FMP 1269D March 2023 - Growth Option	HDFC	₹12.4260	3 Jun 2026
Nippon India Fixed Maturity Plan XLI - Series 8 - Growth Option	Nippon India	₹17.0046	3 Jun 2026
ICICI Prudential Fixed Maturity Plan - Series 85 - 10 Years Plan I - Cumulative Option	ICICI Prudential	₹17.4336	3 Jun 2026
Franklin India Medium to Long Duration Fund - Growth	Franklin India	₹10.9122	3 Jun 2026

Recent NAVs

Date	NAV
6 Jun 2019	₹12.4638
4 Jun 2019	₹12.7032
3 Jun 2019	₹13.4301
31 May 2019	₹13.4226
30 May 2019	₹13.4200
29 May 2019	₹13.4174
28 May 2019	₹13.4147
27 May 2019	₹13.4118
24 May 2019	₹13.4037
23 May 2019	₹13.4009

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.

As of 06 Jun 2019, the NAV of Reliance Fixed Horizon Fund XXX- Series 8- Growth Option is ₹12.4638. It's a Medium to Long Duration Fund from Reliance, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

Reliance Fixed Horizon Fund XXX- Series 8- Growth Option has NAV history starting from 04 Mar 2016, a track record of about 10 years 2 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Reliance Fixed Horizon Fund XXX- Series 8- Growth Option is managed by Reliance. It's classified by AMFI under the 'Medium to Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Reliance Fixed Horizon Fund XXX- Series 8- Growth Option has delivered a absolute return of 0.95% — -1.01 pp behind the Medium to Long Duration Fund category average of 1.96%. The fund ranks #556 of 590 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Reliance Fixed Horizon Fund XXX- Series 8- Growth Option has delivered a CAGR of 6.50% — +3.56 pp ahead of the Medium to Long Duration Fund category average of 2.95%. The fund ranks #465 of 551 in its category — the bottom (Q4) quartile.

Reliance Fixed Horizon Fund XXX- Series 8- Growth 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 Reliance Fixed Horizon Fund XXX- Series 8- Growth Option exactly 3 years ago would be worth approximately ₹120,800 today — a multiplier of 1.21×, based on the 3-year CAGR of 6.50%. The category average over the same window would have grown ₹1 lakh to ₹109,098.

A ₹10,000 monthly SIP in Reliance Fixed Horizon Fund XXX- Series 8- Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹380,305 today. That's an XIRR (money-weighted annualised return) of 3.59%.

Reliance Fixed Horizon Fund XXX- Series 8- Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹380,305 — XIRR 3.59%.

On a 3-year basis, Reliance Fixed Horizon Fund XXX- Series 8- Growth Option ranks #465 out of 551 funds in the Medium to Long Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 2.95%; this fund delivered 6.50%.

The worst peak-to-trough decline Reliance Fixed Horizon Fund XXX- Series 8- Growth Option has experienced over the last 3-year window is 7.20% — its NAV fell from a high on 03 Jun 2019 to a low on 06 Jun 2019. 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, Reliance Fixed Horizon Fund XXX- Series 8- Growth Option averaged 8.60% (best 9.48%, worst 6.50%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -0.02 — negative risk-adjusted performance.

In calendar year 2018, Reliance Fixed Horizon Fund XXX- Series 8- Growth Option returned 8.54% — beating the Medium to Long Duration Fund category average of 5.25% by 3.29 pp. It ranked #2 of 156 in its category that year.

Reliance Fixed Horizon Fund XXX- Series 8- Growth Option 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. Reliance Fixed Horizon Fund XXX- Series 8- Growth Option 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.

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