+91-22-48913909Risk in SIP: Assessment of Risk in SIP Investment
The risk in SIP varies for different Types of Mutual Funds. investing in Mutual Funds via SIP (Systematic Investment plan) involves market linked risks, that are certainly higher for Equity Funds than debt and balanced Mutual Funds. The risk in SIP depends on the investment option that is chosen considering the risk profile, risk appetite and liquidity. However, the risk in SIP can be managed and reduced by the fund managers and the fund house.
To calculate the risk in SIP there are various tools available like sip calculator (also known as SIP return calculator).
Risk in SIP: Assessment of SIP Risks
Risk 1: The risk of SIP getting a negative return or price risk
Mutual fund investments are subject to market risks, is a commonly heard term. What this means is that your investment in a SIP can go down and you can end up with a value lower than what you invested depending on how the market behaves.
The risk in SIP is however related to the holding period and usually, the longer the holding period, the lower the risk. With higher holding period the probability of making profit increases. For e.g. have a look below for equity, a longer holding period for equity results in a lowering chance of loss. (The below is an analysis done on the BSE Sensex from 1979 to 2016).
Risk 2: The risk being able to get your money back quickly or liquidity risk
The ability to get your money back quickly depends on the underlying investments. Usually with mutual funds, this is not an issue, however, there have been periods (such in 2008), when there was an issue in selling securities(Bonds) and that certain mutual funds had to limit withdrawals from some schemes. The equity market is fairly liquid (meaning that buying and selling do not pose an issue). However, if the sale quantity exceeds the numbers of buyers by a large amount, then this will result in an issue, hence making subsequent payouts a problem and hence liquidity risk.
Risk 3: The risk of downgrade of a security or credit risk
When the bond of a particular company/entity undergoes a downgrade by a credit rating agency, its price falls. If the price falls, this impacts the overall value of the Portfolio. This is called credit risk.
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Risk 4: The risk of the company not paying the owners of the bond their due or default risk
When a company defaults on its payments to the bond holders, it’s called default risk.
With the investor not getting their money back, this will impact their portfolio, negatively.
Risk 5: The risk of processing your transaction correctly or technology risk
Today, all transactions take place in the electronic mode. With the various touch-points, there is a possibility of a technological failure at various places, at the R & T Agent, the Bank to debit funds etc.
The non-processing of a transaction is also a risk in SIP.
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Risk 6: The risk of scheme performance by the portfolio manager or fund management risk
Another risk in SIP is that the chosen scheme may not deliver upto expectations, and performance may be much lower than expected. The Fund Manager may under-deliver on performance, and this will lead to low returns on the SIP investment.
These are the major risks in a SIP, while we can go on and elaborate further risks in SIP like economy risk etc., most of these risks would fall under one or more of the categories above.
Though there is definitely a risk in SIP, one should always remember that SIP or lump sum, this is just an investment route and NOT the underlying investment. One needs to look at the underlying investment, its risks, and then make a final decision.
*Below is the list of Top SIP's one can evaluate to invest in
"The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized." Below is the key information for DSP World Gold Fund Returns up to 1 year are on The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in the units of BlackRock Global Funds – World Mining Fund. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may
constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or money market/liquid schemes of DSP BlackRock Mutual Fund, in order to meet liquidity requirements from time to time. Research Highlights for DSP World Mining Fund Below is the key information for DSP World Mining Fund Returns up to 1 year are on The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of BGF – USFEF. The Scheme may, at the discretion of the Investment Manager also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or money market/liquid schemes of DSP BlackRock Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized. It shall be noted ‘similar overseas mutual fund schemes’ shall have investment objective, investment strategy and risk profile/consideration similar to those of BGF – USFEF. Research Highlights for DSP US Flexible Equity Fund Below is the key information for DSP US Flexible Equity Fund Returns up to 1 year are on The primary investment objective of the Scheme is to seek to provide long term capital growth by investing predominantly in the JPMorgan Funds - Emerging Markets Opportunities Fund, an equity fund which invests primarily in an aggressively managed portfolio of emerging market companies Research Highlights for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Below is the key information for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund Returns up to 1 year are on The investment objective of the scheme is to provide long term growth from a portfolio of equity / equity related instruments of companies engaged either directly or indirectly in the infrastructure sector. Research Highlights for LIC MF Infrastructure Fund Below is the key information for LIC MF Infrastructure Fund Returns up to 1 year are on 1. DSP World Gold Fund
DSP World Gold Fund
Growth Launch Date 14 Sep 07 NAV (14 Aug 26) ₹58.9048 ↑ 0.89 (1.54 %) Net Assets (Cr) ₹1,433 on 30 Jun 26 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.41 Sharpe Ratio 1.22 Information Ratio -0.5 Alpha Ratio 2.12 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹7,373 31 Jul 23 ₹9,366 31 Jul 24 ₹11,150 31 Jul 25 ₹16,504 31 Jul 26 ₹26,355 Returns for DSP World Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Aug 26 Duration Returns 1 Month 18.2% 3 Month -7.7% 6 Month -7.4% 1 Year 69.6% 3 Year 52.5% 5 Year 27.2% 10 Year 15 Year Since launch 9.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 167.1% 2023 15.9% 2022 7% 2021 -7.7% 2020 -9% 2019 31.4% 2018 35.1% 2017 -10.7% 2016 -4% 2015 52.7% Fund Manager information for DSP World Gold Fund
Name Since Tenure Kaivalya Nadkarni 1 May 25 1.25 Yr. Data below for DSP World Gold Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Basic Materials 92.85% Asset Allocation
Asset Class Value Cash 5.2% Equity 93.02% Debt 0.01% Other 1.77% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Gold I2
Investment Fund | -67% ₹960 Cr 983,452
↓ -21,591 VanEck Gold Miners ETF
- | GDX29% ₹409 Cr 573,719 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -5% ₹67 Cr Net Receivables/Payables
Net Current Assets | -0% -₹4 Cr 2. DSP World Mining Fund
DSP World Mining Fund
Growth Launch Date 29 Dec 09 NAV (14 Aug 26) ₹33.3025 ↑ 0.03 (0.09 %) Net Assets (Cr) ₹164 on 30 Jun 26 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆ Risk High Expense Ratio 1.14 Sharpe Ratio 1.74 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹8,812 31 Jul 23 ₹11,045 31 Jul 24 ₹10,685 31 Jul 25 ₹11,685 31 Jul 26 ₹19,837 Returns for DSP World Mining Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Aug 26 Duration Returns 1 Month 11.4% 3 Month -4.5% 6 Month 5.1% 1 Year 73.1% 3 Year 28.2% 5 Year 17.3% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 79% 2023 -8.1% 2022 0% 2021 12.2% 2020 18% 2019 34.9% 2018 21.5% 2017 -9.4% 2016 21.1% 2015 49.7% Fund Manager information for DSP World Mining Fund
Name Since Tenure Kaivalya Nadkarni 1 May 25 1.25 Yr. Data below for DSP World Mining Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Basic Materials 94.45% Energy 0.97% Asset Allocation
Asset Class Value Cash 4.56% Equity 95.43% Debt 0.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF World Mining I2
Investment Fund | -96% ₹158 Cr 141,034
↓ -01 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -4% ₹7 Cr Net Receivables/Payables
Net Current Assets | -0% -₹1 Cr 3. DSP US Flexible Equity Fund
DSP US Flexible Equity Fund
Growth Launch Date 3 Aug 12 NAV (13 Aug 26) ₹94.9047 ↑ 0.30 (0.32 %) Net Assets (Cr) ₹1,291 on 30 Jun 26 Category Equity - Global AMC DSP BlackRock Invmt Managers Pvt. Ltd. Rating ☆☆☆☆☆ Risk High Expense Ratio 1.55 Sharpe Ratio 1.93 Information Ratio 0.15 Alpha Ratio -4.1 Min Investment 1,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹10,023 31 Jul 23 ₹11,458 31 Jul 24 ₹13,332 31 Jul 25 ₹16,454 31 Jul 26 ₹22,370 Returns for DSP US Flexible Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Aug 26 Duration Returns 1 Month 1% 3 Month 0.9% 6 Month 23.6% 1 Year 39.7% 3 Year 27.4% 5 Year 18.3% 10 Year 15 Year Since launch 17.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 33.8% 2023 17.8% 2022 22% 2021 -5.9% 2020 24.2% 2019 22.6% 2018 27.5% 2017 -1.1% 2016 15.5% 2015 9.8% Fund Manager information for DSP US Flexible Equity Fund
Name Since Tenure Kaivalya Nadkarni 1 May 25 1.25 Yr. Data below for DSP US Flexible Equity Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Technology 32.18% Communication Services 13.8% Industrials 13.38% Financial Services 12.1% Consumer Cyclical 9.45% Health Care 7.39% Energy 2.14% Basic Materials 2.13% Utility 1.5% Asset Allocation
Asset Class Value Cash 5.91% Equity 94.07% Debt 0.02% Top Securities Holdings / Portfolio
Name Holding Value Quantity BGF US Flexible Equity I2
Investment Fund | -96% ₹1,236 Cr 1,784,131 Treps / Reverse Repo Investments
CBLO/Reverse Repo | -4% ₹58 Cr Net Receivables/Payables
Net Current Assets | -0% -₹3 Cr 4. Edelweiss Emerging Markets Opportunities Equity Off-shore Fund
Edelweiss Emerging Markets Opportunities Equity Off-shore Fund
Growth Launch Date 7 Jul 14 NAV (13 Aug 26) ₹27.9687 ↑ 0.06 (0.23 %) Net Assets (Cr) ₹259 on 30 Jun 26 Category Equity - Global AMC Edelweiss Asset Management Limited Rating ☆☆☆ Risk High Expense Ratio 1.04 Sharpe Ratio 2.2 Information Ratio -0.41 Alpha Ratio 6.3 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹7,821 31 Jul 23 ₹8,604 31 Jul 24 ₹9,029 31 Jul 25 ₹10,507 31 Jul 26 ₹16,349 Returns for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Aug 26 Duration Returns 1 Month 0% 3 Month -2% 6 Month 16.6% 1 Year 53% 3 Year 26.2% 5 Year 10.5% 10 Year 15 Year Since launch 8.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 41.1% 2023 5.9% 2022 5.5% 2021 -16.8% 2020 -5.9% 2019 21.7% 2018 25.1% 2017 -7.2% 2016 30% 2015 9.8% Fund Manager information for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund
Name Since Tenure Bhavesh Jain 9 Apr 18 8.32 Yr. Bharat Lahoti 1 Oct 21 4.84 Yr. Data below for Edelweiss Emerging Markets Opportunities Equity Off-shore Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Technology 41.58% Financial Services 19.31% Consumer Cyclical 8.89% Communication Services 7.15% Industrials 5.44% Energy 3.87% Basic Materials 2.58% Consumer Defensive 1.76% Utility 0.97% Health Care 0.48% Asset Allocation
Asset Class Value Cash 5.58% Equity 93.57% Debt 0.02% Other 0.59% Top Securities Holdings / Portfolio
Name Holding Value Quantity JPM Emerging Mkts Opps I acc USD
Investment Fund | -97% ₹250 Cr 106,892
↑ 4,756 Clearing Corporation Of India Ltd.
CBLO/Reverse Repo | -5% ₹14 Cr Net Receivables/(Payables)
CBLO | -2% -₹5 Cr Accrued Interest
CBLO | -0% ₹0 Cr 5. LIC MF Infrastructure Fund
LIC MF Infrastructure Fund
Growth Launch Date 29 Feb 08 NAV (14 Aug 26) ₹55.6819 ↓ -0.04 (-0.07 %) Net Assets (Cr) ₹1,137 on 30 Jun 26 Category Equity - Sectoral AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating Risk High Expense Ratio 2.21 Sharpe Ratio 0.22 Information Ratio 0.58 Alpha Ratio 8.41 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Jul 21 ₹10,000 31 Jul 22 ₹11,519 31 Jul 23 ₹14,236 31 Jul 24 ₹26,350 31 Jul 25 ₹25,021 31 Jul 26 ₹27,470 Returns for LIC MF Infrastructure Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 14 Aug 26 Duration Returns 1 Month 2.5% 3 Month 6.6% 6 Month 10.9% 1 Year 15.7% 3 Year 25.8% 5 Year 22.4% 10 Year 15 Year Since launch 9.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 -3.7% 2023 47.8% 2022 44.4% 2021 7.9% 2020 46.6% 2019 -0.1% 2018 13.3% 2017 -14.6% 2016 42.2% 2015 -2.2% Fund Manager information for LIC MF Infrastructure Fund
Name Since Tenure Mahesh Bendre 1 Jul 24 2.08 Yr. Data below for LIC MF Infrastructure Fund as on 30 Jun 26
Equity Sector Allocation
Sector Value Industrials 35.52% Consumer Cyclical 19.57% Basic Materials 12.18% Utility 10.33% Financial Services 9.93% Communication Services 3.66% Real Estate 2.1% Health Care 1.74% Technology 0.93% Asset Allocation
Asset Class Value Cash 4.04% Equity 95.96% Top Securities Holdings / Portfolio
Name Holding Value Quantity Tata Motors Passenger Vehicles Ltd (Consumer Cyclical)
Equity, Since 28 Feb 26 | TMPV4% ₹43 Cr 1,224,915
↑ 242,024 JSW Infrastructure Ltd (Industrials)
Equity, Since 30 Apr 26 | JSWINFRA4% ₹41 Cr 1,266,481
↑ 132,623 Tata Motors Ltd (Consumer Cyclical)
Equity, Since 31 Oct 25 | TMCV4% ₹40 Cr 944,348
↓ -71,585 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Apr 09 | LT3% ₹40 Cr 96,023
↓ -10,945 Garware Hi-Tech Films Ltd (Basic Materials)
Equity, Since 31 Aug 23 | 5006553% ₹38 Cr 57,317
↓ -8,008 Tata Power Co Ltd (Utilities)
Equity, Since 29 Feb 24 | 5004003% ₹33 Cr 861,040 KSH International Ltd (Industrials)
Equity, Since 31 Dec 25 | KSHINTL3% ₹32 Cr 367,501
↓ -65,315 Bharat Dynamics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jan 26 | BDL3% ₹30 Cr 222,408
↓ -20,546 Carraro India Ltd (Consumer Cyclical)
Equity, Since 31 Dec 24 | CARRARO3% ₹30 Cr 565,917
↓ -7,074 NTPC Ltd (Utilities)
Equity, Since 31 Mar 23 | 5325553% ₹30 Cr 834,071
↑ 125,282
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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Research Highlights for DSP World Gold Fund