Tata Dividend Yield Fund - Direct Plan - Growth Option

Tata Mutual Fund

Equity Scheme - Dividend Yield Fund

Higher than todayLower than todayTodayBest dayNot a SIP date

Each SIP date shows its full-history XIRR. Green dates were higher than today’s date; red dates were lower. Weakest to strongest across all 28 is 0.36 pp, and the deeper the fill, the further from today’s figure that date sat. Tap a date (1–28) to compare it with the named day; that does not change the answer.

The 28th

Thin edge

The 28th had the highest full-history XIRR for this fund. Dates in this fund have differed by up to 0.36 pp, but not consistently, so the pattern may not hold.

Missing one instalment costs more than picking this date over a typical one.

The date with the highest XIRR and the date with the highest final value differ here, which points to noise.

This fund has 64 months of history, fewer than eight years. A spread of 0.36 pp is hard to tell apart from the noise a history this short produces, so this verdict reflects the length of the history as much as the fund.

For a notional ₹10,000 monthly SIP, the highest- and lowest-value dates (the 1st and 17th) ended ₹7,053 apart on ₹6.4 lakh invested, 0.8% of the ₹9.1 lakh it grew to, over 5.3 years.

The highest and lowest XIRR were on the 28th and the 10th.

I SIP on theDoes not change the named day.

What to keep in mind

The date with the highest return and the date that ended with the most money are not the same date here. When two measures of the same question disagree, the difference between the dates is noise.