See how Nifty 50, Midcap 150, Gold and FD performed across every 1, 3, 5 and 10-year window since 2000. Understand consistency — the truth about SIP reliability that point-to-point returns hide.
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Rolling return measures the annualised return across every possible time window of a fixed length. Unlike point-to-point returns — which can flatter or mislead depending on start/end dates — rolling returns reveal whether a fund is consistently good or just had one good run. A Nifty 50 SIP investor who sees 87% of all 5-year windows were positive can invest with far greater confidence than one relying on a single advertised return figure.
Rolling return measures annualised returns over every possible time window of a fixed length (e.g. every 3-year period from 2000). It reveals consistency — a fund with 90% positive 3-year windows is far more reliable than one with one great 10-year stretch.
The Nifty 50 average 5-year rolling CAGR from 2000 to 2024 is approximately 12–14%. About 87% of all 5-year windows delivered positive returns.
About 13–16% of 3-year periods (mostly 2001–2003 and 2008–2011 windows). At 5 years, this drops below 8%, and at 10 years, virtually zero periods have shown losses.
Over 10-year windows since 2000: small-cap average 18–20% CAGR but with high variance. Nifty 50 averages 12–14% with better consistency. Gold averages 8–10% and acts as a portfolio hedge.
Choose funds where: average 3/5-year rolling return beats benchmark, % positive periods is above 85% (3yr) and 95% (5yr), and minimum rolling return is above -25%.
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