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How to Create an Investment Plan?

Updated on August 8, 2025 , 29769 views

“Save for a rainy day” is a practical truth. When you make an Investment plan, you not only save for bad times, but also secure your future.

Each of us has certain goals, dreams, aspiration & wish list, and making all these possible is achievable if you know the importance of an investment plan.

Basis this, we take you through a guideline, on how to create an investment plan in a systematic manner. But, before that let us understand the importance of Investing.

Why Should you Invest?

Many people today still Fail to understand the importance of investing. Well, the main idea behind investing or making an investment is to generate a regular Income or returns over a specified time period. Moreover, it makes you prepare for your future in an orderly way. But, people do invest their money for various reasons such as for retirement, to make a short term and long term investment (as per their goals), for the purchase of assets, for undertaking marriage, for starting a business or for going for a world tour etc.

Tips to Make Best Investment Plan

1. Determine Your Risk Tolerance

When making an investment plan, it's important to determine your risk tolerance. Every investing option has its own pros and cons. Some vehicles come with low risks, while some others have a high level of risks. In financial terms, a risk is defined as the Volatility or fluctuations of returns provided by an investment asset. While talking about the risk, the reward comes into the picture because risks and rewards go hand in hand. For example, the reward in Equity Funds is higher and so is the risk. However, having a diversified Portfolio of assets reduces the risks.

Investment-plan

So, before investing in any instrument, know it’s both sides. Along with that determine your risk tolerance too. Few of the examples are mentioned below in the image.

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2. Set Financial Goals

The first thing you do while creating an investment plan is setting Financial goals! We all want to be financially stable and need a steady flow of income. But, many people underestimate their power of being financially stable, assuming that it's only for the rich ones. But hold on, being rich is not about how much you earn, but it’s about how much you save! One such way to reach is by making a Financial plan and setting financial goals.

One of the systematic ways to target your financial goals is by setting them into time frames, i.e., short-term, mid-term and long-term goals. This will not only give a very systematic solution to the journey of the desired financial goal but also achieve a realistic approach towards your financial goals. Whether you want to own a car, invest in Real Estate/gold or save for marriage - whatever be the financial goal; you can target them by categorising them foremost into the aforementioned time frames namely - short, medium and long-term. However, to make all these possible, you need to save first!

3. Decide Investment Surplus

While estimating the investment surplus, investors must clearly understand their current financial state which will give them an idea about both their Earnings and expenses. This analysis will guide you through your annual cost of living and indicate the savings or surplus money available for investment.

4. Decide Asset Allocation

Asset Allocation is simply deciding the mix of assets in a portfolio. It is important to realise the importance of having different asset classes in a portfolio. It is necessary to have sufficiently uncorrelated assets in a portfolio so that when an Asset Class doesn’t earn, the others to give the investor a positive return on the portfolio.

While there are many traditional ways of building assets like various schemes, fixed deposits, savings, etc., people need to also understand the importance of other unconventional ways of building assets faster. Moreover, investing in things which will appreciate in value and give you good returns for your money. For example, Mutual Funds, commodities, real estate are some options which will appreciate with time and it will help you in building a strong portfolio.

5. Monitor and Re-Balance

Investors should always review the portfolio at least once a quarter and rebalance at least once a year. One would need to see scheme performances and should make sure that a good performer exists in the portfolio. Else one would need to change their holdings and replace laggards with good performers.

Check Best Investment Options to Invest

What adds to the important side of investing in the right instruments! Many people think that keeping their money just in Bank accounts pay them a good interest. But there are many other options besides parking money in banks, wherein you can invest your money to gain better profits and returns. To mention some, there are various Types of Mutual Funds (Bonds, debt, equity), ELSS, ETFs, Money market funds, etc. So, choose the options well and make a Smart investment plan!

Your investment plan should hold the best performing investing instruments. So know some, we have listed off a few best options to invest money!

Investment Options Average Returns Risk
Bank Accounts/Fixed Deposit 3%-10% Very Low to None
Money Market Funds 4%-8% Low
Liquid Funds 5%-9% Very Low to None
Equity Funds 2%-20% High to Moderate
Equity Linked Savings Scheme (ELSS) 14%-20% Moderate

Best Money Market Funds to Invest

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. MaturitySub Cat.
Aditya Birla Sun Life Money Manager Fund Growth ₹373.468
↑ 0.05
₹29,9091.94.287.57.86.67%6M 25D6M 25D Money Market
UTI Money Market Fund Growth ₹3,112.74
↑ 0.36
₹18,3541.94.28.17.67.76.3%7M 13D7M 13D Money Market
Kotak Money Market Scheme Growth ₹4,532.46
↑ 0.55
₹31,0391.94.287.57.76.29%7M 6D7M 6D Money Market
ICICI Prudential Money Market Fund Growth ₹383.067
↑ 0.05
₹29,2641.94.287.57.76.33%7M 19D8M 4D Money Market
Franklin India Savings Fund Growth ₹50.6384
↑ 0.01
₹3,4411.94.287.47.76.46%8M 8D8M 26D Money Market
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Aug 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryAditya Birla Sun Life Money Manager FundUTI Money Market FundKotak Money Market SchemeICICI Prudential Money Market FundFranklin India Savings Fund
Point 1Upper mid AUM (₹29,909 Cr).Bottom quartile AUM (₹18,354 Cr).Highest AUM (₹31,039 Cr).Lower mid AUM (₹29,264 Cr).Bottom quartile AUM (₹3,441 Cr).
Point 2Established history (19+ yrs).Established history (16+ yrs).Established history (22+ yrs).Established history (19+ yrs).Oldest track record among peers (23 yrs).
Point 3Top rated.Rating: 4★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 3★ (bottom quartile).
Point 4Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Moderately Low.
Point 51Y return: 7.98% (bottom quartile).1Y return: 8.05% (top quartile).1Y return: 7.96% (bottom quartile).1Y return: 8.02% (lower mid).1Y return: 8.03% (upper mid).
Point 61M return: 0.48% (top quartile).1M return: 0.47% (upper mid).1M return: 0.46% (bottom quartile).1M return: 0.46% (bottom quartile).1M return: 0.47% (lower mid).
Point 7Sharpe: 3.32 (top quartile).Sharpe: 3.32 (upper mid).Sharpe: 3.16 (lower mid).Sharpe: 3.15 (bottom quartile).Sharpe: 3.09 (bottom quartile).
Point 8Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).Information ratio: 0.00 (bottom quartile).
Point 9Yield to maturity (debt): 6.67% (top quartile).Yield to maturity (debt): 6.30% (bottom quartile).Yield to maturity (debt): 6.29% (bottom quartile).Yield to maturity (debt): 6.33% (lower mid).Yield to maturity (debt): 6.46% (upper mid).
Point 10Modified duration: 0.57 yrs (top quartile).Modified duration: 0.62 yrs (lower mid).Modified duration: 0.60 yrs (upper mid).Modified duration: 0.64 yrs (bottom quartile).Modified duration: 0.69 yrs (bottom quartile).

Aditya Birla Sun Life Money Manager Fund

  • Upper mid AUM (₹29,909 Cr).
  • Established history (19+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 7.98% (bottom quartile).
  • 1M return: 0.48% (top quartile).
  • Sharpe: 3.32 (top quartile).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.67% (top quartile).
  • Modified duration: 0.57 yrs (top quartile).

UTI Money Market Fund

  • Bottom quartile AUM (₹18,354 Cr).
  • Established history (16+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 8.05% (top quartile).
  • 1M return: 0.47% (upper mid).
  • Sharpe: 3.32 (upper mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.30% (bottom quartile).
  • Modified duration: 0.62 yrs (lower mid).

Kotak Money Market Scheme

  • Highest AUM (₹31,039 Cr).
  • Established history (22+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 7.96% (bottom quartile).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.16 (lower mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 6.29% (bottom quartile).
  • Modified duration: 0.60 yrs (upper mid).

ICICI Prudential Money Market Fund

  • Lower mid AUM (₹29,264 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 8.02% (lower mid).
  • 1M return: 0.46% (bottom quartile).
  • Sharpe: 3.15 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.33% (lower mid).
  • Modified duration: 0.64 yrs (bottom quartile).

Franklin India Savings Fund

  • Bottom quartile AUM (₹3,441 Cr).
  • Oldest track record among peers (23 yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately Low.
  • 1Y return: 8.03% (upper mid).
  • 1M return: 0.47% (lower mid).
  • Sharpe: 3.09 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.46% (upper mid).
  • Modified duration: 0.69 yrs (bottom quartile).

Best Liquid Funds to Invest

FundNAVNet Assets (Cr)1 MO (%)3 MO (%)6 MO (%)1 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. MaturitySub Cat.
Aditya Birla Sun Life Liquid Fund Growth ₹423.421
↑ 0.06
₹54,8380.51.53.377.36.39%1M 17D1M 17D Liquid Fund
Nippon India Liquid Fund  Growth ₹6,413.18
↑ 0.97
₹34,4900.51.53.377.36.01%1M 27D2M 1D Liquid Fund
Indiabulls Liquid Fund Growth ₹2,541.33
↑ 0.78
₹3280.51.63.47.17.45.87%1M 28D1M 29D Liquid Fund
JM Liquid Fund Growth ₹71.6944
↑ 0.01
₹1,9090.51.63.36.97.25.87%1M 16D1M 19D Liquid Fund
PGIM India Insta Cash Fund Growth ₹342.091
↑ 0.05
₹3570.51.53.377.35.9%1M 20D1M 24D Liquid Fund
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 10 Aug 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryAditya Birla Sun Life Liquid FundNippon India Liquid Fund Indiabulls Liquid FundJM Liquid Fund PGIM India Insta Cash Fund
Point 1Highest AUM (₹54,838 Cr).Upper mid AUM (₹34,490 Cr).Bottom quartile AUM (₹328 Cr).Lower mid AUM (₹1,909 Cr).Bottom quartile AUM (₹357 Cr).
Point 2Established history (21+ yrs).Established history (21+ yrs).Established history (13+ yrs).Oldest track record among peers (27 yrs).Established history (17+ yrs).
Point 3Rating: 4★ (bottom quartile).Rating: 4★ (bottom quartile).Top rated.Rating: 5★ (upper mid).Rating: 5★ (lower mid).
Point 4Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.Risk profile: Low.
Point 51Y return: 7.00% (lower mid).1Y return: 6.98% (bottom quartile).1Y return: 7.06% (top quartile).1Y return: 6.91% (bottom quartile).1Y return: 7.02% (upper mid).
Point 61M return: 0.45% (lower mid).1M return: 0.45% (bottom quartile).1M return: 0.46% (top quartile).1M return: 0.45% (bottom quartile).1M return: 0.46% (upper mid).
Point 7Sharpe: 3.56 (upper mid).Sharpe: 3.37 (lower mid).Sharpe: 3.32 (bottom quartile).Sharpe: 3.11 (bottom quartile).Sharpe: 3.56 (top quartile).
Point 8Information ratio: 0.00 (top quartile).Information ratio: 0.00 (upper mid).Information ratio: -1.49 (bottom quartile).Information ratio: -2.34 (bottom quartile).Information ratio: -0.92 (lower mid).
Point 9Yield to maturity (debt): 6.39% (top quartile).Yield to maturity (debt): 6.01% (upper mid).Yield to maturity (debt): 5.87% (bottom quartile).Yield to maturity (debt): 5.87% (bottom quartile).Yield to maturity (debt): 5.90% (lower mid).
Point 10Modified duration: 0.13 yrs (upper mid).Modified duration: 0.16 yrs (bottom quartile).Modified duration: 0.16 yrs (bottom quartile).Modified duration: 0.13 yrs (top quartile).Modified duration: 0.14 yrs (lower mid).

Aditya Birla Sun Life Liquid Fund

  • Highest AUM (₹54,838 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 7.00% (lower mid).
  • 1M return: 0.45% (lower mid).
  • Sharpe: 3.56 (upper mid).
  • Information ratio: 0.00 (top quartile).
  • Yield to maturity (debt): 6.39% (top quartile).
  • Modified duration: 0.13 yrs (upper mid).

Nippon India Liquid Fund 

  • Upper mid AUM (₹34,490 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Low.
  • 1Y return: 6.98% (bottom quartile).
  • 1M return: 0.45% (bottom quartile).
  • Sharpe: 3.37 (lower mid).
  • Information ratio: 0.00 (upper mid).
  • Yield to maturity (debt): 6.01% (upper mid).
  • Modified duration: 0.16 yrs (bottom quartile).

Indiabulls Liquid Fund

  • Bottom quartile AUM (₹328 Cr).
  • Established history (13+ yrs).
  • Top rated.
  • Risk profile: Low.
  • 1Y return: 7.06% (top quartile).
  • 1M return: 0.46% (top quartile).
  • Sharpe: 3.32 (bottom quartile).
  • Information ratio: -1.49 (bottom quartile).
  • Yield to maturity (debt): 5.87% (bottom quartile).
  • Modified duration: 0.16 yrs (bottom quartile).

JM Liquid Fund

  • Lower mid AUM (₹1,909 Cr).
  • Oldest track record among peers (27 yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Low.
  • 1Y return: 6.91% (bottom quartile).
  • 1M return: 0.45% (bottom quartile).
  • Sharpe: 3.11 (bottom quartile).
  • Information ratio: -2.34 (bottom quartile).
  • Yield to maturity (debt): 5.87% (bottom quartile).
  • Modified duration: 0.13 yrs (top quartile).

PGIM India Insta Cash Fund

  • Bottom quartile AUM (₹357 Cr).
  • Established history (17+ yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Low.
  • 1Y return: 7.02% (upper mid).
  • 1M return: 0.46% (upper mid).
  • Sharpe: 3.56 (top quartile).
  • Information ratio: -0.92 (lower mid).
  • Yield to maturity (debt): 5.90% (lower mid).
  • Modified duration: 0.14 yrs (lower mid).

Best Equity Funds to Invest

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)Sub Cat.
Sundaram Rural and Consumption Fund Growth ₹95.4618
↓ -1.18
₹1,5961.81.20.115.618.920.1 Sectoral
Franklin Build India Fund Growth ₹138.945
↓ -1.09
₹2,9686.18.1-128.832.827.8 Sectoral
DSP Natural Resources and New Energy Fund Growth ₹88.005
↑ 0.14
₹1,3164.45.8-6.120.12413.9 Sectoral
Bandhan Infrastructure Fund Growth ₹49.006
↓ -0.53
₹1,7496.15.3-10.927.932.939.3 Sectoral
Aditya Birla Sun Life Banking And Financial Services Fund Growth ₹59.47
↓ -0.35
₹3,6252.210.79.916.321.58.7 Sectoral
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Aug 25

Research Highlights & Commentary of 5 Funds showcased

CommentarySundaram Rural and Consumption FundFranklin Build India FundDSP Natural Resources and New Energy FundBandhan Infrastructure FundAditya Birla Sun Life Banking And Financial Services Fund
Point 1Bottom quartile AUM (₹1,596 Cr).Upper mid AUM (₹2,968 Cr).Bottom quartile AUM (₹1,316 Cr).Lower mid AUM (₹1,749 Cr).Highest AUM (₹3,625 Cr).
Point 2Oldest track record among peers (19 yrs).Established history (15+ yrs).Established history (17+ yrs).Established history (14+ yrs).Established history (11+ yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 5★ (lower mid).Rating: 5★ (bottom quartile).Rating: 5★ (bottom quartile).
Point 4Risk profile: Moderately High.Risk profile: High.Risk profile: High.Risk profile: High.Risk profile: High.
Point 55Y return: 18.95% (bottom quartile).5Y return: 32.79% (upper mid).5Y return: 24.03% (lower mid).5Y return: 32.92% (top quartile).5Y return: 21.47% (bottom quartile).
Point 63Y return: 15.57% (bottom quartile).3Y return: 28.76% (top quartile).3Y return: 20.11% (lower mid).3Y return: 27.94% (upper mid).3Y return: 16.33% (bottom quartile).
Point 71Y return: 0.09% (upper mid).1Y return: -1.01% (lower mid).1Y return: -6.07% (bottom quartile).1Y return: -10.90% (bottom quartile).1Y return: 9.93% (top quartile).
Point 8Alpha: 0.89 (top quartile).Alpha: 0.00 (upper mid).Alpha: 0.00 (lower mid).Alpha: 0.00 (bottom quartile).Alpha: -6.15 (bottom quartile).
Point 9Sharpe: 0.17 (upper mid).Sharpe: -0.29 (lower mid).Sharpe: -0.48 (bottom quartile).Sharpe: -0.29 (bottom quartile).Sharpe: 0.38 (top quartile).
Point 10Information ratio: 0.07 (upper mid).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).Information ratio: 0.00 (bottom quartile).Information ratio: 0.35 (top quartile).

Sundaram Rural and Consumption Fund

  • Bottom quartile AUM (₹1,596 Cr).
  • Oldest track record among peers (19 yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 18.95% (bottom quartile).
  • 3Y return: 15.57% (bottom quartile).
  • 1Y return: 0.09% (upper mid).
  • Alpha: 0.89 (top quartile).
  • Sharpe: 0.17 (upper mid).
  • Information ratio: 0.07 (upper mid).

Franklin Build India Fund

  • Upper mid AUM (₹2,968 Cr).
  • Established history (15+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: High.
  • 5Y return: 32.79% (upper mid).
  • 3Y return: 28.76% (top quartile).
  • 1Y return: -1.01% (lower mid).
  • Alpha: 0.00 (upper mid).
  • Sharpe: -0.29 (lower mid).
  • Information ratio: 0.00 (lower mid).

DSP Natural Resources and New Energy Fund

  • Bottom quartile AUM (₹1,316 Cr).
  • Established history (17+ yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: High.
  • 5Y return: 24.03% (lower mid).
  • 3Y return: 20.11% (lower mid).
  • 1Y return: -6.07% (bottom quartile).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.48 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).

Bandhan Infrastructure Fund

  • Lower mid AUM (₹1,749 Cr).
  • Established history (14+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 32.92% (top quartile).
  • 3Y return: 27.94% (upper mid).
  • 1Y return: -10.90% (bottom quartile).
  • Alpha: 0.00 (bottom quartile).
  • Sharpe: -0.29 (bottom quartile).
  • Information ratio: 0.00 (bottom quartile).

Aditya Birla Sun Life Banking And Financial Services Fund

  • Highest AUM (₹3,625 Cr).
  • Established history (11+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 21.47% (bottom quartile).
  • 3Y return: 16.33% (bottom quartile).
  • 1Y return: 9.93% (top quartile).
  • Alpha: -6.15 (bottom quartile).
  • Sharpe: 0.38 (top quartile).
  • Information ratio: 0.35 (top quartile).

Best ELSS Funds to Invest

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)Sub Cat.
Tata India Tax Savings Fund Growth ₹43.0591
↓ -0.46
₹4,7113.22.90.314.919.719.5 ELSS
Bandhan Tax Advantage (ELSS) Fund Growth ₹147.227
↓ -1.55
₹7,1512.12.7-2.814.923.413.1 ELSS
DSP Tax Saver Fund Growth ₹134.904
↓ -1.12
₹17,4280.83.5018.823.223.9 ELSS
Aditya Birla Sun Life Tax Relief '96 Growth ₹59.19
↓ -0.51
₹15,8705.67.41.813.313.916.4 ELSS
Sundaram Diversified Equity Fund Growth ₹217.864
↓ -1.75
₹1,5193.852.713.31912 ELSS
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 8 Aug 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryTata India Tax Savings FundBandhan Tax Advantage (ELSS) FundDSP Tax Saver FundAditya Birla Sun Life Tax Relief '96Sundaram Diversified Equity Fund
Point 1Bottom quartile AUM (₹4,711 Cr).Lower mid AUM (₹7,151 Cr).Highest AUM (₹17,428 Cr).Upper mid AUM (₹15,870 Cr).Bottom quartile AUM (₹1,519 Cr).
Point 2Established history (10+ yrs).Established history (16+ yrs).Established history (18+ yrs).Established history (17+ yrs).Oldest track record among peers (25 yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 4★ (lower mid).Rating: 4★ (bottom quartile).Rating: 3★ (bottom quartile).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 19.75% (lower mid).5Y return: 23.40% (top quartile).5Y return: 23.16% (upper mid).5Y return: 13.85% (bottom quartile).5Y return: 19.01% (bottom quartile).
Point 63Y return: 14.94% (lower mid).3Y return: 14.94% (upper mid).3Y return: 18.78% (top quartile).3Y return: 13.26% (bottom quartile).3Y return: 13.25% (bottom quartile).
Point 71Y return: 0.34% (lower mid).1Y return: -2.81% (bottom quartile).1Y return: 0.02% (bottom quartile).1Y return: 1.77% (upper mid).1Y return: 2.67% (top quartile).
Point 8Alpha: -0.42 (lower mid).Alpha: -2.56 (bottom quartile).Alpha: 2.27 (top quartile).Alpha: 0.36 (upper mid).Alpha: -0.44 (bottom quartile).
Point 9Sharpe: -0.01 (lower mid).Sharpe: -0.21 (bottom quartile).Sharpe: 0.16 (top quartile).Sharpe: 0.04 (upper mid).Sharpe: -0.02 (bottom quartile).
Point 10Information ratio: -0.31 (lower mid).Information ratio: -0.30 (upper mid).Information ratio: 0.83 (top quartile).Information ratio: -1.34 (bottom quartile).Information ratio: -1.14 (bottom quartile).

Tata India Tax Savings Fund

  • Bottom quartile AUM (₹4,711 Cr).
  • Established history (10+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 19.75% (lower mid).
  • 3Y return: 14.94% (lower mid).
  • 1Y return: 0.34% (lower mid).
  • Alpha: -0.42 (lower mid).
  • Sharpe: -0.01 (lower mid).
  • Information ratio: -0.31 (lower mid).

Bandhan Tax Advantage (ELSS) Fund

  • Lower mid AUM (₹7,151 Cr).
  • Established history (16+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: Moderately High.
  • 5Y return: 23.40% (top quartile).
  • 3Y return: 14.94% (upper mid).
  • 1Y return: -2.81% (bottom quartile).
  • Alpha: -2.56 (bottom quartile).
  • Sharpe: -0.21 (bottom quartile).
  • Information ratio: -0.30 (upper mid).

DSP Tax Saver Fund

  • Highest AUM (₹17,428 Cr).
  • Established history (18+ yrs).
  • Rating: 4★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 23.16% (upper mid).
  • 3Y return: 18.78% (top quartile).
  • 1Y return: 0.02% (bottom quartile).
  • Alpha: 2.27 (top quartile).
  • Sharpe: 0.16 (top quartile).
  • Information ratio: 0.83 (top quartile).

Aditya Birla Sun Life Tax Relief '96

  • Upper mid AUM (₹15,870 Cr).
  • Established history (17+ yrs).
  • Rating: 4★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 13.85% (bottom quartile).
  • 3Y return: 13.26% (bottom quartile).
  • 1Y return: 1.77% (upper mid).
  • Alpha: 0.36 (upper mid).
  • Sharpe: 0.04 (upper mid).
  • Information ratio: -1.34 (bottom quartile).

Sundaram Diversified Equity Fund

  • Bottom quartile AUM (₹1,519 Cr).
  • Oldest track record among peers (25 yrs).
  • Rating: 3★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 19.01% (bottom quartile).
  • 3Y return: 13.25% (bottom quartile).
  • 1Y return: 2.67% (top quartile).
  • Alpha: -0.44 (bottom quartile).
  • Sharpe: -0.02 (bottom quartile).
  • Information ratio: -1.14 (bottom quartile).

While creating an investment plan, look for different investing options, investors should also be aware of new schemes in the market. Most importantly, they should get into the habit of early investment by securing their hard earned money!

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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