HealthyDirect · GrowthFit for a long SIP
HDFC Gold ETF Fund of Fund
- NAV
- 43.6073
- 27 Oct 2026
- 1Y
- +15.6%
- Trailing CAGR
- AUM
- ₹11,197.05 Cr
- 31 Aug 2026
- Volatility
- Medium
- 15.3% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 27 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.20% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -24.8%. Ask whether you can hold through a similar fall.
Vs category
Watch
52% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 100.0% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+15.6%
- 3Y+30.7%
- 5Y+22.9%
- 10Y+15.5%
- SI+10.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-4.6%
- 3Y+29.1%
- 5Y+26.5%
- 10Y+19.6%
- Since inception
- +10.4%
- Calendar-day CAGR
- Excess 1Y
- +12.0%
- Category median, same plan and option
- 3Y win rate
- +52%
- Windows beating the median
- 3Y percentile
- 84
- Vs comparable share classes
- SIP 3Y XIRR
- +29.1%
- Simulated monthly SIP
- Worst rolling 3Y
- -7.9%
- 2652 daily-ending windows
- Median rolling 3Y
- +10.8%
- Calendar-day CAGR
- Positive rolling 5Y
- +93%
- 2160 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -24.8%
- Worst peak-to-trough
- Current
- -21.1%
- Below last peak
- Current spell
- 271 days
- Days below latest peak
- Time below peak
- +95%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 38 days
- 72 recovered episodes
- Longest recovery
- 1160 days
- Trough to prior peak
29 Jan 2026 – open
Trough 23 Mar 2026 · not recovered
-24.8%
3 Sept 2013 – 20 Feb 2019
Trough 18 Dec 2015 · recovered in 1160 days
-23.6%
7 Aug 2020 – 1 Feb 2023
Trough 31 Mar 2021 · recovered in 672 days
-21.6%
3 Jan 2013 – 27 Aug 2013
Trough 28 Jun 2013 · recovered in 60 days
-18.8%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
84
Vs category
100
Consistency
53
Risk-adjusted
43
Drawdown
38
Mean
64
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- Three-year return is above the category median.
Portfolio
31 Aug 2026 · 2 holdings · top 10 are 100.0%.
- Top 5
- 100.0%
- Top 10
- 100.0%
- Largest holding
- 100.1%
- Effective holdings
- 1.0
HDFC Gold ETF
Unspecified
100.1%
Repo
Unspecified
0.1%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Kotak Multi Asset Omni FOF
Kotak Mahindra Mutual Fund
- 1Y
- -2.8%
- 3Y
- +13.4%
- Vol
- 10.3%
- Max DD
- -22.8%
- Sharpe
- 0.85
- 3Y win
- +98%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
Bandhan Aggressive Hybrid Passive FOF
Bandhan Mutual Fund
- 1Y
- -1.1%
- 3Y
- +11.1%
- Vol
- 10.3%
- Max DD
- -29.0%
- Sharpe
- 0.46
- 3Y win
- +56%
- Lower volatility
- Higher win rate vs category
- Lower TER
Caveat: Deeper drawdown · Lower trailing returns
ICICI Prudential Nifty Alpha Low - Volatility 30 ETF FOF
ICICI Prudential Mutual Fund
- 1Y
- -8.6%
- 3Y
- +8.5%
- Vol
- 13.1%
- Max DD
- -25.1%
- Sharpe
- 0.12
- 3Y win
- +61%
- Lower volatility
- Higher win rate vs category
- Lower TER
Caveat: Deeper drawdown · Lower trailing returns
Motilal Oswal Gold and Silver Passive Fund of Funds
Motilal Oswal Mutual Fund
- 1Y
- +18.9%
- 3Y
- +32.1%
- Vol
- 23.7%
- Max DD
- -34.2%
- Sharpe
- 0.97
- 3Y win
- +100%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Aditya Birla Sun Life Income Plus Arbitrage Active FOF
Aditya Birla Sun Life Mutual Fund
- 1Y
- +4.7%
- 3Y
- +7.1%
- Vol
- 4.7%
- Max DD
- -10.1%
- Sharpe
- 0.37
- 3Y win
- +11%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns