Should I invest in Templeton Fixed Horizon Fund - Series IV - Plan A - Retail?

We don't give personal investment advice. Templeton Fixed Horizon Fund - Series IV - Plan A - Retail - Growth 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.

Franklin Templeton

Templeton Fixed Horizon Fund - Series IV - Plan A - Retail - Growth

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%	-7.11%	+7.11	187 / 732	Q2
1W	+0.24%	-12.64%	+12.87	86 / 699	Q1
2W	+0.33%	-12.71%	+13.04	108 / 712	Q1
1M	+0.55%	-12.43%	+12.98	154 / 754	Q1
3M	+1.37%	-11.47%	+12.85	238 / 740	Q2
6M	+2.97%	-9.57%	+12.54	286 / 680	Q2
YTD	+3.34%	-9.94%	+13.29	191 / 704	Q2
1Y	+6.23%	-7.10%	+13.33	282 / 627	Q2
2Y	+9.54%	-7.27%	+16.81	14 / 143	Q1
3Y	+8.06%	-2.77%	+10.83	14 / 83	Q1
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+8.06%	-6.12%	+14.17	252 / 770	Q2

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
2010 YTD	+3.34%	-4.87%	+8.21	34 / 143
2009	+10.77%	-9.70%	+20.46	41 / 552
2008	+6.43%	+2.86%	+3.57	95 / 257
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

+8.94%

25 windows

min 5.1% · max 13.3%

100% positive

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

3-Year rolling

+8.06%

1 window

min 8.1% · max 8.1%

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

2.16%

3-year · annualised

Sharpe ratio

0.60

vs risk-free 6.5%

Sortino ratio

1.99

Downside-only deviation

Max drawdown

-1.09%

Jun 2008 → Jul 2008

% positive months

91.7%

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
26 Jul 2010	₹12.6191
23 Jul 2010	₹12.5970
22 Jul 2010	₹12.5946
21 Jul 2010	₹12.5928
20 Jul 2010	₹12.5911
19 Jul 2010	₹12.5895
16 Jul 2010	₹12.5847
15 Jul 2010	₹12.5832
14 Jul 2010	₹12.5815
13 Jul 2010	₹12.5798

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.

Templeton Fixed Horizon Fund - Series IV - Plan A - Retail - Growth is a Income from Franklin Templeton (Retail plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Templeton Fixed Horizon Fund - Series IV - Plan A - Retail - Growth has NAV history starting from 26 Jul 2007, a track record of about 18 years 10 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.

Templeton Fixed Horizon Fund - Series IV - Plan A - Retail - Growth is managed by Franklin Templeton. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Templeton Fixed Horizon Fund - Series IV - Plan A - Retail - Growth has delivered a absolute return of 6.23% — +13.33 pp ahead of the Income category average of -7.10%. The fund ranks #282 of 627 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Templeton Fixed Horizon Fund - Series IV - Plan A - Retail - Growth has delivered a CAGR of 8.06% — +10.83 pp ahead of the Income category average of -2.77%. The fund ranks #14 of 83 in its category — the top (Q1) quartile.

Templeton Fixed Horizon Fund - Series IV - Plan A - Retail - Growth 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 Templeton Fixed Horizon Fund - Series IV - Plan A - Retail - Growth exactly 3 years ago would be worth approximately ₹126,176 today — a multiplier of 1.26×, based on the 3-year CAGR of 8.06%. The category average over the same window would have grown ₹1 lakh to ₹91,921.

A ₹10,000 monthly SIP in Templeton Fixed Horizon Fund - Series IV - Plan A - Retail - Growth over the last 3 years — total invested ₹360,000 — would be worth ₹408,402 today. That's an XIRR (money-weighted annualised return) of 8.36%.

Templeton Fixed Horizon Fund - Series IV - Plan A - Retail - Growth doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹408,402 — XIRR 8.36%.

On a 3-year basis, Templeton Fixed Horizon Fund - Series IV - Plan A - Retail - Growth ranks #14 out of 83 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -2.77%; this fund delivered 8.06%.

The worst peak-to-trough decline Templeton Fixed Horizon Fund - Series IV - Plan A - Retail - Growth has experienced over the last 3-year window is 1.09% — its NAV fell from a high on 02 Jun 2008 to a low on 30 Jul 2008. 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, Templeton Fixed Horizon Fund - Series IV - Plan A - Retail - Growth averaged 8.06% (best 8.06%, worst 8.06%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.60 — reasonable risk-adjusted performance.

In calendar year 2009, Templeton Fixed Horizon Fund - Series IV - Plan A - Retail - Growth returned 10.77% — beating the Income category average of -9.70% by 20.46 pp. It ranked #41 of 552 in its category that year.

Templeton Fixed Horizon Fund - Series IV - Plan A - Retail - Growth 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. Templeton Fixed Horizon Fund - Series IV - Plan A - Retail - Growth 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.