Should I invest in Tata Smart Investment Plan - 1 - Scheme B?

We don't give personal investment advice. Tata Smart Investment Plan - 1 - Scheme B - Dividend is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding.

Tata

Tata Smart Investment Plan - 1 - Scheme B - 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	25 / 37	Q3
1W	+1.69%	-7.52%	+9.21	7 / 40	Q1
2W	+0.59%	-7.64%	+8.24	16 / 40	Q2
1M	+0.74%	-7.66%	+8.40	13 / 40	Q2
3M	-4.21%	-9.18%	+4.97	29 / 40	Q3
6M	+4.92%	-5.67%	+10.59	11 / 39	Q2
YTD	+8.03%	-3.70%	+11.74	12 / 40	Q2
1Y	-7.91%	-4.99%	-2.91	32 / 41	Q4
2Y	-4.52%	-11.97%	+7.45	29 / 40	Q3
3Y	-1.41%	-14.60%	+13.18	28 / 38	Q3
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-1.42%	-12.19%	+10.77	33 / 44	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
2012 YTD	+8.03%	+19.42%	-11.39	24 / 25
2011	-23.75%	-16.46%	-7.29	23 / 29
2010	+13.22%	-7.06%	+20.27	7 / 32
2009	—	—	—	—

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

-1.56%

25 windows

min -20.7% · max 15.5%

40% positive

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

3-Year rolling

-1.41%

1 window

min -1.4% · max -1.4%

0% 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

11.47%

3-year · annualised

Sharpe ratio

-0.63

vs risk-free 6.5%

Sortino ratio

-0.87

Downside-only deviation

Max drawdown

-27.28%

Nov 2010 → 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
11 Jun 2012	₹9.5905
8 Jun 2012	₹9.5886
7 Jun 2012	₹9.5996
6 Jun 2012	₹9.5507
5 Jun 2012	₹9.4471
4 Jun 2012	₹9.4310
1 Jun 2012	₹9.3930
31 May 2012	₹9.4418
30 May 2012	₹9.4443
29 May 2012	₹9.5266

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 Smart Investment Plan - 1 - Scheme B - Dividend is a Balanced from Tata (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.

Tata Smart Investment Plan - 1 - Scheme B - Dividend has NAV history starting from 17 Jun 2009, a track record of about 16 years 11 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 Smart Investment Plan - 1 - Scheme B - Dividend is managed by Tata. It's classified by AMFI under the 'Balanced' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Tata Smart Investment Plan - 1 - Scheme B - Dividend has delivered a absolute return of -7.91% — -2.91 pp behind the Balanced category average of -4.99%. The fund ranks #32 of 41 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Tata Smart Investment Plan - 1 - Scheme B - Dividend has delivered a CAGR of -1.41% — +13.18 pp ahead of the Balanced category average of -14.60%. The fund ranks #28 of 38 in its category — the third (Q3) quartile.

Tata Smart Investment Plan - 1 - Scheme B - 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 Smart Investment Plan - 1 - Scheme B - Dividend exactly 3 years ago would be worth approximately ₹95,816 today — a multiplier of 0.96×, based on the 3-year CAGR of -1.41%. The category average over the same window would have grown ₹1 lakh to ₹62,293.

A ₹10,000 monthly SIP in Tata Smart Investment Plan - 1 - Scheme B - Dividend over the last 3 years — total invested ₹360,000 — would be worth ₹334,343 today. That's an XIRR (money-weighted annualised return) of -4.73%.

Tata Smart Investment Plan - 1 - Scheme B - Dividend doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹334,343 — XIRR -4.73%.

On a 3-year basis, Tata Smart Investment Plan - 1 - Scheme B - Dividend ranks #28 out of 38 funds in the Balanced category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -14.60%; this fund delivered -1.41%.

The worst peak-to-trough decline Tata Smart Investment Plan - 1 - Scheme B - Dividend has experienced over the last 3-year window is 27.28% — its NAV fell from a high on 09 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 3-year rolling windows, Tata Smart Investment Plan - 1 - Scheme B - Dividend averaged -1.41% (best -1.41%, worst -1.41%). 0% of rolling windows ended positive. The 3-year Sharpe ratio is -0.63 — negative risk-adjusted performance.

In calendar year 2011, Tata Smart Investment Plan - 1 - Scheme B - Dividend returned -23.75% — lagging the Balanced category average of -16.46% by 7.29 pp. It ranked #23 of 29 in its category that year.

Tata Smart Investment Plan - 1 - Scheme B - Dividend is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. Tata Smart Investment Plan - 1 - Scheme B - Dividend is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

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.