Should I invest in Tata Fixed Income Portfolio Fund - Scheme A2 - Monthly Dividend?

We don't give personal investment advice. Tata Fixed Income Portfolio Fund - Scheme A2 - Institutional Plan - Monthly Dividend 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.

Tata

Tata Fixed Income Portfolio Fund - Scheme A2 - Institutional Plan - Monthly 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	+0.02%	+6.99%	-6.98	108 / 763	Q1
1W	-0.39%	+6.38%	-6.77	349 / 722	Q2
2W	-0.27%	+6.63%	-6.90	347 / 725	Q2
1M	+0.02%	+6.29%	-6.27	304 / 752	Q2
3M	-0.47%	+7.87%	-8.33	549 / 728	Q4
6M	+0.02%	+9.67%	-9.65	414 / 642	Q3
YTD	+0.02%	+8.47%	-8.45	407 / 666	Q3
1Y	+0.04%	+13.70%	-13.66	384 / 591	Q3
2Y	+0.02%	-5.03%	+5.05	125 / 197	Q3
3Y	+0.04%	-3.09%	+3.13	83 / 140	Q3
4Y	-0.11%	+1.62%	-1.72	99 / 119	Q4
5Y	—	—	—	—	—
7Y	+0.01%	+2.05%	-2.04	42 / 64	Q3
10Y	—	—	—	—	—
Inception	+0.00%	-3.28%	+3.29	431 / 797	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
2015 YTD	+0.02%	+2.23%	-2.21	41 / 65
2014	-0.58%	+2.77%	-3.35	81 / 82
2013	-0.04%	+1.77%	-1.81	88 / 101
2012	-0.08%	-0.30%	+0.22	91 / 113
2011	+0.20%	+1.75%	-1.55	55 / 109
2010	—	—	—	—
2009	—	—	—	—
2008	+1.09%	-5.54%	+6.64	131 / 250
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

+0.07%

49 windows

min -0.7% · max 0.5%

71% positive

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

3-Year rolling

+0.00%

31 windows

min -0.2% · max 0.2%

68% positive

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

5-Year rolling

-0.03%

12 windows

min -0.1% · max 0.0%

25% positive

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

7-Year rolling

+0.01%

2 windows

min 0.0% · max 0.0%

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

1.59%

3-year · annualised

Sharpe ratio

-4.20

vs risk-free 6.5%

Sortino ratio

-5.96

Downside-only deviation

Max drawdown

-0.87%

Mar 2012 → Apr 2012

% positive months

41.7%

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
2 Jan 2015	₹10.0168
1 Jan 2015	₹10.0151
31 Dec 2014	₹10.0133
30 Dec 2014	₹10.0633
29 Dec 2014	₹10.0614
26 Dec 2014	₹10.0561
24 Dec 2014	₹10.0525
23 Dec 2014	₹10.0508
22 Dec 2014	₹10.0490
19 Dec 2014	₹10.0435

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.

Tata Fixed Income Portfolio Fund - Scheme A2 - Institutional Plan - Monthly Dividend is a Income from Tata (Institutional plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Tata Fixed Income Portfolio Fund - Scheme A2 - Institutional Plan - Monthly Dividend has NAV history starting from 10 Dec 2007, a track record of about 18 years 5 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.

Tata Fixed Income Portfolio Fund - Scheme A2 - Institutional Plan - Monthly Dividend is managed by Tata. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Tata Fixed Income Portfolio Fund - Scheme A2 - Institutional Plan - Monthly Dividend has delivered a absolute return of 0.04% — -13.66 pp behind the Income category average of 13.70%. The fund ranks #384 of 591 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Tata Fixed Income Portfolio Fund - Scheme A2 - Institutional Plan - Monthly Dividend has delivered a CAGR of 0.04% — +3.13 pp ahead of the Income category average of -3.09%. The fund ranks #83 of 140 in its category — the third (Q3) quartile.

Tata Fixed Income Portfolio Fund - Scheme A2 - Institutional Plan - Monthly Dividend 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 Tata Fixed Income Portfolio Fund - Scheme A2 - Institutional Plan - Monthly Dividend exactly 3 years ago would be worth approximately ₹100,119 today — a multiplier of 1.00×, based on the 3-year CAGR of 0.04%. The category average over the same window would have grown ₹1 lakh to ₹91,024.

A ₹10,000 monthly SIP in Tata Fixed Income Portfolio Fund - Scheme A2 - Institutional Plan - Monthly Dividend over the last 5 years — total invested ₹550,000 — would be worth ₹548,390 today. That's an XIRR (money-weighted annualised return) of -0.13%.

Tata Fixed Income Portfolio Fund - Scheme A2 - Institutional Plan - Monthly Dividend doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹548,390 — XIRR -0.13%.

On a 3-year basis, Tata Fixed Income Portfolio Fund - Scheme A2 - Institutional Plan - Monthly Dividend ranks #83 out of 140 funds in the Income category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -3.09%; this fund delivered 0.04%.

The worst peak-to-trough decline Tata Fixed Income Portfolio Fund - Scheme A2 - Institutional Plan - Monthly Dividend has experienced over the last 3-year window is 0.87% — its NAV fell from a high on 30 Mar 2012 to a low on 03 Apr 2012. 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, Tata Fixed Income Portfolio Fund - Scheme A2 - Institutional Plan - Monthly Dividend averaged -0.03% (best 0.02%, worst -0.09%). 25% of rolling windows ended positive. The 3-year Sharpe ratio is -4.20 — negative risk-adjusted performance.

In calendar year 2014, Tata Fixed Income Portfolio Fund - Scheme A2 - Institutional Plan - Monthly Dividend returned -0.58% — lagging the Income category average of 2.77% by 3.35 pp. It ranked #81 of 82 in its category that year.

Tata Fixed Income Portfolio Fund - Scheme A2 - Institutional Plan - Monthly Dividend 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. Tata Fixed Income Portfolio Fund - Scheme A2 - Institutional Plan - Monthly Dividend 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.