Ever wondered which to choose between Franklin Blue Chip and ICICI Blue Chip? Between HDFC Balanced and ICICI Balanced? Here is a mutual fund analyzer that goes beyond mere return comparison. It can be used each time you wish to make a choice or to compare how your fund did relative a ‘hot fund’ everyone is talking about!
Personally, I do not engage in such comparison and do not recommend them. However, many investors do want to do such a comparison. Therefore, I felt it is better to modify the Mutual Fund Risk and Return Analyzerand compare two funds, call them Fund A and Fund B on a risk-adjusted basis.
Sometimes a holistic view of risk and reward could investors that their holdings and choices are not so bad after all (compared to that ‘hot fund’!).
Here is a comparison between Franklin Blue Chip and ICICI Blue Chip to illustrate the features.
The input sheet. Fund A = Franklin Blue Chip and Fund B = ICICI Focussed Blue Chip
The results page listing SIP and lump sum returns
Returns plot. Notice Franklin has done well recently
The risk-return score which uses a total of 20 metrics (2 of them SIP and lump sum returns) to gauge funds on risk-adjusted basis. A score of higher than 50% means fund A has done better.
Upside and downside capture analysis. If upside capture >100% fund A has beat fund B when fund B returns were positive. If downside capture <100% then fund A has beat fund B when fund B returns were negative.
Read more: Simplify Mutual Fund Analysis with Upside/Downside Capture Ratios
NAV movement in the last two years with Ulcer index. Higher ulcer index is more stress to investors!
Read more: Mutual Fund Analysis With the Ulcer Index
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This article is authored by M. Pattabiraman. He is the co-author of two books: You can be rich too with goal based investing and Gamechanger. He is a patron and co-founder of "Fee-only India" an organisation to promote unbiased, commission-free investment advice
“Pattu” as he is popularly known, publishes research, analysis and holistic money management advice at freefincal.com which serves more than one million readers a year. Frefincal.com has more than a 100 free calculators on different aspects of insurance and investment analysis, including a robo advisory template for use by beginners.