HSBC Credit Risk Fund - Direct Plan - Growth

HSBC Mutual Fund

Income/Debt Oriented Schemes - Credit Risk 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 0.13 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 25th

Noise

The 25th had the highest full-history XIRR for this fund. But 46 months of history is too little to tell whether the date matters at all.

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

For a notional ₹10,000 monthly SIP, the highest- and lowest-value dates (the 1st and 28th) ended ₹4,282 apart on ₹4.6 lakh invested, 0.7% of the ₹5.7 lakh it grew to, over 3.8 years.

The highest and lowest XIRR were on the 25th and the 28th.

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.

This fund is marked reduced confidence: 46 months of history leaves too few independent 3-year stretches for the numbers above to settle.