Nippon India Multi Asset 定投收益计算器
测算 Nippon India Multi Asset 的真实历史定投回报与复利增值。基于官方公开历史净值，回测不同定投金额、持有期限及每年递增投资效果。
基金类别
Multi Asset Allocation
资产规模 (AUM)
₹17,984 Cr
管理费率 (Expense Ratio)
0.47%
基金经理
Vikram Dhawan, Sushil Budhia, Ashutosh Bhargava
Nippon India Multi Asset 历史定投表现及收益矩阵表
基于实际历史复合年化回报率（CAGR）测算的不同月定投金额持有收益。
| 每月定投金额 | 3 年期 @ 18.3% CAGR | 5 年期 @ 15.0% CAGR | 10 年期 @ 15.0% CAGR |
|---|---|---|---|
| ₹1,000/月 | ₹48,247 累计投入: ₹36,000 | ₹89,757 累计投入: ₹60,000 | ₹2,79,173 累计投入: ₹1,20,000 |
| ₹2,500/月 | ₹1,20,618 累计投入: ₹90,000 | ₹2,24,394 累计投入: ₹1,50,000 | ₹6,97,933 累计投入: ₹3,00,000 |
| ₹5,000/月 | ₹2,41,236 累计投入: ₹1,80,000 | ₹4,48,787 累计投入: ₹3,00,000 | ₹13,95,865 累计投入: ₹6,00,000 |
| ₹10,000/月 | ₹4,82,473 累计投入: ₹3,60,000 | ₹8,97,574 累计投入: ₹6,00,000 | ₹27,91,731 累计投入: ₹12,00,000 |
| ₹25,000/月 | ₹12,06,182 累计投入: ₹9,00,000 | ₹22,43,936 累计投入: ₹15,00,000 | ₹69,79,326 累计投入: ₹30,00,000 |
* 测算基于实际基金历史年化收益率。基金投资不同于银行存款，实际投资回报随二级市场净值实时波动。
关于 Nippon India Multi Asset Allocation Fund
A multi asset allocation fund that invests across Indian equities, international equities, debt, gold and silver in a single portfolio, rebalanced dynamically.
投资策略与运作方式
Asset allocation across equity (50-80%), debt (10-35%), and gold/silver ETFs (10-30%), with dedicated fund managers for each asset class and tactical tilts based on valuations.
核心亮点与产品特征
- One-stop multi asset portfolio: equity + debt + gold + silver + international
- Dedicated managers per asset class (equity, commodities, debt)
- Expense ratio: 0.46% (Direct)
- Launched August 2020
历史年化收益表现 (CAGR)
近3年年化
18.33%
近5年年化
15.03%
近10年年化
N/A
业绩基准
50% BSE 500 TRI + 20% MSCI World TRI + 15% CRISIL ST Bond + 10% Gold + 5% Silver
Returns are illustrative based on historical performance. Actual returns may vary. Data as of August 2026. Verify with AMC before investing.
前五大核心持仓与行业分布
根据最新公开披露，Nippon India Multi Asset 的核心持仓与资产配置如下：
前五大重仓资产
- Nippon India ETF Gold BeES
- iShares MSCI World ETF
- Nippon India Silver ETF
- ICICI Bank
- HDFC Bank
行业板块分布
A multi-asset mix — roughly 50-60% Indian equity, 10-20% international equities (via iShares MSCI World ETF), 10-15% gold and silver via ETFs, with the balance in debt and cash.
风险特征与最大回撤
Lower volatility than pure equity funds — annualized standard deviation ~9.5% thanks to the gold, silver and debt sleeve cushioning equity swings.
During the 2022 equity selloff, the gold allocation offset equity losses, keeping drawdowns meaningfully below pure equity funds.
交易规则与税费说明
Hybrid fund — long-term gains taxed at 12.5% above ₹1.25 lakh/year; note that international equity is treated as foreign equity. Gold ETF portion attracts capital gains tax at applicable equity rates.
哪些投资者不适合投资 Nippon India Multi Asset？
Investors who want pure equity returns or full control of their own asset allocation, since the fund's allocation decisions are made by the manager.
基金经理简介
Managed by a team of specialists — Vikram Dhawan (commodities, since launch), Sushil Budhia (debt, since 2021) and Ashutosh Bhargava (co-fund manager), with equity support from Nippon's equity desk.
适合哪些投资者？
Suitable for investors wanting a single balanced portfolio with built-in diversification across asset classes, geographies and precious metals.
同类别备选基金
- Parag Parikh Flexi Cap Fund
- SBI Multi Asset Allocation Fund
- ICICI Prudential Multi Asset Fund
您也可以通过我们的 智能定投主计算器 对比多只基金，在相同定投金额与周期下直观比对历史表现。
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- 定投 vs 还贷 (SIP vs EMI) 计算器 — 科学权衡提前还房贷还是坚持基金定投
常见问题解答 (FAQ) — Nippon India Multi Asset
Nippon India Multi Asset 的历史定投回报表现如何？
根据交易所公开历史数据，Nippon India Multi Asset 近3年年化回报率为 18.33%，近5年年化为 15.03%，近10年年化为 N/A。 Returns are illustrative based on historical performance. Actual returns may vary. Data as of August 2026. Verify with AMC before investing.
基金定投（SIP）的回报是如何计算的？
定投回报采用扩展内部收益率（XIRR）或基于真实历史月度净值的复利回测计算。在每月设定的扣款日，定投金额会按当天公布的基金份额净值（NAV）申购份额。在市场回调时自动购入更多份额、市场上涨时购入更少份额，通过时间平摊持仓成本并实现复利。
每月定投 ₹5,000，5年后大约能积累多少资产？
按年化复合回报率 15.03% 测算，每月定投 ₹5,000（5年累计投入本金 ₹3,00,000），5年后预期期末总资产约为 ₹4,48,787，预期资产增值收益约为 ₹1,48,787。您可以使用上方计算器输入自定义金额与年份测试。
Nippon India Multi Asset 的前几大重仓资产包含哪些？
Nippon India Multi Asset 的核心重仓包括 Nippon India ETF Gold BeES、iShares MSCI World ETF、Nippon India Silver ETF 等知名标的。行业配置侧重于 A multi-asset mix — roughly 50-60% Indian equity, 10-20% international equities (via iShares MSCI World ETF), 10-15% gold and silver via ETFs, with the balance in debt and cash.。
Nippon India Multi Asset 的投资风险等级如何？
Lower volatility than pure equity funds — annualized standard deviation ~9.5% thanks to the gold, silver and debt sleeve cushioning equity swings. 本基金可能不适合 Investors who want pure equity returns or full control of their own asset allocation, since the fund's allocation decisions are made by the manager.
投资该基金有哪些税费或交易成本？
Hybrid fund — long-term gains taxed at 12.5% above ₹1.25 lakh/year; note that international equity is treated as foreign equity. Gold ETF portion attracts capital gains tax at applicable equity rates.
数据更新时间: 2026年9月 | 历史净值来自官方公开交易所行情
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