These 62 indices gave more than 10% 15-year SIP returns

Published: August 12, 2020 at 1:20 pm

Here are 62 indices from NSE, BSE and CRISIL with more than 10% returns from a 15-year SIP from 1st Aug 2005 to 7th Aug 2020.

This completes our 15-year SIP return series. Here are links to the previous parts. Part 1: 15-year SIP returns for 71 out of 148 equity MFs is less than 10% Part 2:  Nifty SIP provides 2% real return over 15 years but underperforms Japanese equity by 50% Part 3: PPF vs Gilt mutual funds: Which has done better over 15 years?

Note: This list is only for information purposes and should not be used as investment advice. It is meant only as titbit. No conclusion can be or should be derived from it. Investors cannot directly participate in most of these indices but can use them as benchmarks for active funds or market-cap weighted indices.

It is must be kept in mind that many of these indices are much younger than 15 years. The data used in the returns is backtested data provided by the index house. Past performance should not be used as an indicator of future performance.

Investors should learn more about individual indices, their methodology, start date, launch date and weighting rules before forming an opinion. What is listed below is only one data point. More detailed analysis is required before declaring an index as a “good performer” or “bad”.

List of indices with more than 10% 15-year SIP Return

Scheme NameXIRR(%) 01-Aug-2005 To 07-Aug-2020
S&P BSE SME IPO20.1
S&P BSE Consumer Durables – TRI18.7
S&P BSE IPO Index – TRI18.2
S&P BSE Information Technology – TRI16.8
NIFTY Alpha Low-Volatility 30 – TRI16.3
NIFTY FMCG – TRI15.7
Nifty Alpha 50 – TRI15.6
NIFTY Alpha Quality Low-Volatility 30 – TRI15.4
S&P BSE Energy – TRI15.2
S&P BSE Fast Moving Consumer Goods – TRI14.9
Nifty Tata Group – TRI14.8
NIFTY Alpha Quality Value Low-Volatility 30 – TRI14.6
NIFTY IT – TRI14.5
Nifty Low Volatility 50 – TRI14.3
NIFTY Quality Low-Volatility 30 – TRI14.3
Nifty Private Bank – TRI14.2
S&P BSE Health Care – TRI14.0
NIFTY 100 Low Volatility 30 Index – TRI13.8
S&P BSE FMCG13.5
NIFTY MNC – TRI13.4
Nifty Financial Services – TRI13.2
S&P BSE IT13.2
Nifty 8-13 yr G-Sec index13.0
S&P BSE TECk Index – TRI12.9
Nifty 50 Value 20 Index – TRI12.9
S&P BSE 500 Shariah – TRI12.6
NIFTY CONSUMPTION – TRI12.4
S&P BSE 150 MidCap – TRI12.4
NIFTY NEXT 50 – TRI12.3
Nifty Midcap 150 – TRI12.0
Nifty Shariah 25 – TRI11.7
NIFTY PHARMA – TRI11.6
Nifty 500 Shariah – TRI11.6
Nifty 200 Quality 30 Index – TRI11.6
Nifty LargeMidcap 250 Index – TRI11.2
NIFTY AUTO – TRI11.1
S&P BSE 250 LargeMidCap 65:35 Index – TRI11.1
Nifty 10 yr Benchmark G-Sec Index10.9
S&P BSE Consumer Discretionary Goods & Services – TRI10.8
NIFTY BANK – TRI10.7
Nifty Mahindra Group – TRI10.7
Nifty MidSmallcap 400 Index – TRI10.6
NIFTY 50 Shariah – TRI10.6
S&P BSE 250 LargeMidCap Index – TRI10.6
S&P BSE Finance – TRI10.5
Nifty Growth Sectors 15 – TRI10.5
S&P BSE Sensex 50 – TRI10.5
NIFTY SERV SECTOR – TRI10.5
Nifty 100 Quality 30 Index – TRI10.5
S&P BSE 200 – TRI10.5
S&P BSE Mid-Cap – TRI10.5
NIFTY 100 – TRI10.4
S&P BSE SENSEX – TRI10.3
S&P BSE LargeMidCap – TRI10.3
S&P BSE 500 – TRI10.2
Nifty Midcap 100 – TRI10.2
CRISIL Hybrid 35+65 – Aggressive Index10.2
S&P BSE 400 MidSmallCap Index – TRI10.1
S&P BSE 100 – TRI10.1
S&P BSE AllCap – TRI10.1
S&P BSE AUTO Index – TRI10.1
S&P BSE MidSmallCap – TRI10.1

Trivia The Argentine index MerVal or MERcado de VALores gave a staggering return of 31.9%, NASDAQ 14.8% and Gold INR 12.15%

When we look at a high return (lump sum or SIP) we cannot appreciate the risk associated with the journey. For example, gold 15-year SIP returns may look good today but how many would have kept the faith bet Nov 2012 to Aug/Sep 2019 when the price was “underwater” that is below the max.  That is a seven-year bear market.

People who invest in gold looking at its current high gold returns make two mistakes: (1) they do not appreciate the above-mentioned risk and (2) they expect similar returns and start investing at a time when the asset has already moved up. This argument is true for the above-listed equity indices as well.

Do share if you found this useful
Share your thoughts on this topic at the  Reddit freefincal_user_forum

Reach your financial goals like a pro! Join our 1600+ Facebook Group on Portfolio Management! You can now reduce fear, doubt and uncertainty while investing for your financial goals! Sign up for our lectures on goal-based portfolio management and join our exclusive Facebook Community. The 1st lecture is free!
Want to check if the market is overvalued or undervalued? Use our market valuation tool (will work with any index!) or you buy the new Tactical Buy/Sell timing tool!
About the Author Pattabiraman editor freefincalM. Pattabiraman(PhD) is the founder, managing editor and primary author of freefincal. He is an associate professor at the Indian Institute of Technology, Madras. since Aug 2006. Connect with him via Twitter or Linkedin Pattabiraman has co-authored two print-books, You can be rich too with goal-based investing (CNBC TV18) and Gamechanger and seven other free e-books on various topics of money management. He is a patron and co-founder of “Fee-only India” an organisation to promote unbiased, commission-free investment advice. He conducts free money management sessions for corporates and associations on the basis of money management. Previous engagements include World Bank, RBI, BHEL, Asian Paints, Cognizant, Madras Atomic Power Station, Honeywell, Tamil Nadu Investors Association. For speaking engagements write to pattu [at] freefincal [dot] com
About freefincal & its content policy Freefincal is a News Media Organization dedicated to providing original analysis, reports, reviews and insights on developments in mutual funds, stocks, investing, retirement and personal finance. We do so without conflict of interest and bias. Follow us on Google News Freefincal serves more than one million readers a year (2.5 million page views) with articles based only on factual information and detailed analysis by its authors. All statements made will be verified from credible and knowledgeable sources before publication. Freefincal does not publish any kind of paid articles, promotions or PR, satire or opinions without data. All opinions presented will only be inferences backed by verifiable, reproducible evidence/data. Contact information: letters {at} freefincal {dot} com (sponsored posts or paid collaborations will not be entertained)
Connect with us on social media
Our publications

You Can Be Rich Too with Goal-Based Investing

You can be rich too with goal based investingPublished by CNBC TV18, this book is meant to help you ask the right questions, seek the right answers and since it comes with nine online calculators, you can also create custom solutions for your lifestyle! Get it now. It is also available in Kindle format.
Gamechanger: Forget Startups, Join Corporate & Still Live the Rich Life You Want Gamechanger: Forget Start-ups, Join Corporate and Still Live the Rich Life you wantThis book is meant for young earners to get their basics right from day one! It will also help you travel to exotic places at low cost! Get it or gift it to a young earner

Your Ultimate Guide to Travel

Travel-Training-Kit-Cover-new This is a deep dive analysis into vacation planning, finding cheap flights, budget accommodation, what to do when travelling, how travelling slowly is better financially and psychologically with links to the web pages and hand-holding at every step. Get the pdf for Rs 199 (instant download)
Free android apps