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 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 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 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
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
S&P BSE 150 MidCap – TRI12.4
Nifty Midcap 150 – TRI12.0
Nifty Shariah 25 – TRI11.7
Nifty 500 Shariah – TRI11.6
Nifty 200 Quality 30 Index – TRI11.6
Nifty LargeMidcap 250 Index – TRI11.2
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 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 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 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.

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