Sri Lanka Unit Trust Fund Performance Overview 2025🇱🇰

What this tool does

Our Unit Trust Performance Overview helps investors in Sri Lanka explore and compare the performance of LKR-denominated unit trust funds. Use simple filters (Management Company, Category, and Fund) with a date range to visualise monthly trends and yearly outcomes on an interactive chart and summary tables.

Made for the Sri Lankan market, this tool focuses on commonly tracked metrics like returns, NAV/Unit (unit price), and fund size, helping you understand how funds have behaved across market cycles regulated by the Securities and Exchange Commission of Sri Lanka (SEC).

Key benefits for Sri Lankan investors

• Quickly scan how funds from a single management company perform side-by-side.
• Filter by local fund categories (e.g., Money Market, Fixed Income/Income, Balanced, Equity, Gilt/Short-Term Treasury, and Shariah-compliant categories where applicable).
• See performance in LKR terms; when funds have mixed currencies, the tool emphasizes percentage-based metrics for fairer comparisons.
• Identify consistency via monthly trends and confirm outcomes at a calendar-year level.

Features at a glance

• Intuitive layout
  • Left column: Management Company, Unit Trust Category, Unit Trust Name
  • Right column: Metric selector, From (YYYY-MM), To (YYYY-MM)
  • Optimised two-column layout to save screen space
• Metrics you can view
  • Monthly Return (%)
  • Year to Date (YTD) (%)
  • Unit Price (NAV/Unit)
  • Unit Holders (number of holders)
  • 5-Year Compound Annual Growth Rate (CAGR) (%)
  • Fund Size (NAV Total)
• Interactive chart
  • Clear line chart with up to 25 distinct colours assigned per fund
  • Legend and tooltip colours match each fund for easy tracking
  • Fund Size (NAV Total) uses compact currency formatting (e.g., LKR 1.2M, 3.4B)
  • Unit Holders values are labeled as “holders” in the tooltip
• Detailed tables
  • Monthly Performance: month-by-month values for the selected metric
  • Yearly Performance: calendar-year returns sourced from the backend yearly endpoint

Metrics explained (Sri Lanka context)

• Monthly Return %: The percentage change in a fund’s value over each month. Useful for spotting momentum or volatility.
• YTD %: Performance from the beginning of the current calendar year to the selected month. Helpful for gauging current-year trends.
• Unit Price (NAV/Unit): The rupee value of one unit, typically computed as total NAV divided by units outstanding.
• Unit Holders: The number of holders registered in the fund. Rising holders can indicate growing investor interest.
• 5-Year CAGR %: The smoothed annual growth rate over five years, good for long-term perspective in the Sri Lankan market.
• Fund Size (NAV Total): The total net asset value of the fund. Larger funds may offer liquidity and operational scale, though size doesn’t guarantee performance.

Filters and data coverage

• Management Company: Narrow down to funds from a specific Sri Lankan unit trust manager.
• Category: Focus on comparable strategies (e.g., Money Market vs. Equity) for apples-to-apples comparisons.
• Fund: View a single fund in isolation when you need deeper analysis.
• Date Range: Use YYYY-MM to set a clear analysis window within available data.

Note: If multiple currencies are involved across selected funds, the tool highlights percentage-based metrics to keep comparisons meaningful. Always consider fund factsheets and official disclosures for fees and benchmarks.

How to use this tool effectively

1. Start broad by selecting a Management Company to view its full line-up of funds.
2. Refine with a Category (e.g., Equity) to compare similar strategies.
3. Choose a Fund if you want a single-fund deep dive.
4. Select a Metric and set your From and To months.
5. Use the Performance Chart for trend analysis, and the Monthly/Yearly tables for exact values.

Practical use-cases

• Compare two Sri Lankan equity funds across the last three years to see which delivered more consistent monthly returns.
• Check how a money market fund’s unit price and fund size evolved during periods of changing local interest rates.
• Review yearly returns to understand how a balanced fund handled market drawdowns and recoveries.

Frequently Asked Questions (FAQs)

How do I track unit trust fund performance in Sri Lanka?

To track unit trust performance in Sri Lanka, use our free Unit Trust Performance Overview tool by selecting filters (Management Company, Category, or specific Fund) and choosing a date range (YYYY-MM format). The tool displays:

The calculator automatically provides:

• Monthly Return (%): Month-over-month performance showing momentum and volatility
• Year-to-Date (YTD): Returns from January to selected month for current year trends
• Unit Price (NAV/Unit): Tracking rupee value per unit over time
• Fund Size (NAV Total): Evolution of total fund assets
• Unit Holders: Count of registered investors
• 5-Year CAGR: Long-term smoothed annual growth rate

All data is sourced from Unit Trust Association of Sri Lanka (UTASL) Performance Reports covering 2025 data. You can compare multiple funds side-by-side using interactive charts and detailed monthly/yearly tables to identify consistent performers and understand how funds behave across different market cycles regulated by the Securities and Exchange Commission of Sri Lanka (SEC).

What is the best performing unit trust in Sri Lanka 2025?

The best performing unit trust in Sri Lanka for 2025 varies by category and time period. To find top performers:

Screening Process:

1. Filter by Category: Use our Performance Overview tool and select category (Money Market, Fixed Income, Balanced, Equity, Gilt)
2. Set Date Range: Choose 2025 date range and compare Monthly Return % or YTD metrics
3. Check Long-term: Review 5-Year CAGR for consistency beyond recent performance
4. Verify Fund Health: Consider fund size and unit holders as indicators of investor confidence

Performance Benchmarks by Category:

• Equity Funds: Higher returns (15-25%+ historically) but with greater volatility
• Balanced Funds: Moderate returns (10-15%) with mixed asset allocation
• Money Market Funds: Stable returns (6-9%) with minimal risk

Best Practice: Compare at least 3 funds within the SAME category for fair assessment. Our tool displays up to 25 funds simultaneously with color-coded charts for easy identification of consistent performers across different market conditions.

What metrics should I compare when evaluating unit trust funds?

When evaluating Sri Lankan unit trust funds, compare these 6 critical metrics available in our Performance Overview tool:

1. Monthly Return (%)

• Identifies momentum and volatility patterns month-by-month
• Useful for spotting short-term trends and market reactions

2. Year-to-Date (YTD) %

• Gauges current year performance trends from January
• Helpful for understanding fund positioning in current market conditions

3. 5-Year CAGR %

• Shows smoothed annual growth rate for long-term perspective
• Essential for retirement planning and long-term wealth building
• Averages out short-term volatility

4. Unit Price (NAV/Unit)

• Tracks rupee value per unit over time
• Helps identify pricing trends and accumulation opportunities

5. Fund Size (NAV Total)

• Indicates liquidity and operational scale
• Larger funds often have lower expense ratios and better liquidity
• Shows investor confidence through asset growth

6. Unit Holders

• Rising holder counts suggest growing investor confidence
• Declining counts may indicate redemption pressure

Additional Considerations for Sri Lankan Investors:

• Fund category alignment with your risk tolerance
• Management company reputation (NDB Wealth, Softlogic, Capital Trust, etc.)
• Expense ratios from fund factsheets
• Minimum investment requirements
• Redemption timelines and liquidity

Pro Tip: Use percentage-based metrics (returns, YTD, CAGR) for fair comparisons across funds with different currencies or sizes.

How accurate is unit trust performance data in Sri Lanka?

Our unit trust performance data for Sri Lanka is highly accurate as it's sourced directly from Unit Trust Association of Sri Lanka (UTASL) Performance Reports, the official industry body regulated by the Securities and Exchange Commission of Sri Lanka (SEC).

Data Sources Include:

1. Official NAV Prices: Monthly NAV/Unit prices published by fund managers
2. Verified Fund Sizes: NAV Total from audited reports
3. Confirmed Holder Counts: Unit holder data from registry
4. Calculated Returns: Monthly returns based on official NAV changes

Update Schedule:

• UTASL publishes reports 2-3 weeks after month-end
• We ingest data within 24-48 hours of publication
• Updates occur monthly following official releases

Important Considerations:

1. Returns shown are gross of personal taxes but may be net of fund management fees (verify in fund factsheet)
2. Past performance doesn't guarantee future results
3. Data reflects 2025 regulatory framework
4. Recent rate changes announced but not yet reported may not be included

For Investment Decisions: Always cross-reference with individual fund factsheets and consult SEC-licensed financial advisors. Our tool is designed for research and educational purposes to help you make informed comparisons.

Can I compare equity funds with money market funds?

While technically possible, comparing equity funds with money market funds in Sri Lanka requires careful interpretation due to fundamentally different risk-return profiles. Use our tool's category filter to compare within categories:

Money Market Funds

• Risk Level: Low
• Typical Returns: 6-9% annually (0.6-0.8% monthly)
• Characteristics: Track short-term interest rates, high liquidity
• Best For: Emergency funds and short-term goals (1-2 years)

Balanced Funds

• Risk Level: Moderate
• Typical Returns: 10-15% annually (1-1.5% monthly average)
• Characteristics: Blend of stocks and bonds
• Best For: Medium-term goals (3-5 years)

Equity Funds

• Risk Level: High
• Typical Returns: 15-25%+ long-term
• Characteristics: Subject to CSE volatility, expect monthly swings of -5% to +5%
• Best For: Long-term wealth building (7+ years)

How to Compare Across Categories:

1. Focus on risk-adjusted metrics like Sharpe ratio (if available in factsheets)
2. Consider your investment timeline and risk tolerance
3. Use 5-Year CAGR for long-term perspective rather than short-term monthly returns
4. Evaluate consistency via monthly return volatility patterns

Best Practice: Compare at least 3 funds within the SAME category first using our category filter, then compare your shortlisted fund against broader market benchmarks like ASPI (All Share Price Index for equity) or Treasury bill rates (for money market).

What does 5-Year CAGR mean for unit trusts?

5-Year Compound Annual Growth Rate (CAGR) for unit trusts measures the smoothed annual rate at which your investment would have grown if it increased at a steady rate over exactly 5 years.

Formula: CAGR = [(Ending NAV / Beginning NAV)^(1/5)] - 1

Why 5-Year CAGR is Valuable for Sri Lankan Unit Trusts:

1. Smooths Volatility: Eliminates month-to-month and year-to-year fluctuations
2. Shows True Performance: Reveals genuine long-term wealth creation
3. Accounts for Compounding: Includes reinvested returns effect
4. Fair Comparisons: Allows comparison between funds regardless of checking date
5. Retirement Planning: Particularly useful for EPF/ETF alternatives

Example Calculation:

• If a fund shows 12% 5-Year CAGR in our tool
• LKR 100,000 invested 5 years ago
• Would be worth approximately LKR 176,234 today
• (Assuming no additional contributions)

Good CAGR Benchmarks for Sri Lankan Funds:

• Money Market: 7-9% CAGR
• Fixed Income: 9-12% CAGR
• Balanced: 11-15% CAGR
• Equity: 13-18%+ CAGR

Our tool displays 5-Year CAGR as a percentage for each fund, making it easy to compare long-term performance across all fund categories in the Performance Chart when you select "5-Year CAGR" metric.

Important Note: CAGR doesn't show volatility along the journey - always check monthly returns in the Monthly Performance table for risk assessment.

How often is unit trust data updated on this tool?

Our Sri Lanka unit trust performance data is updated monthly following official UTASL (Unit Trust Association of Sri Lanka) Performance Report releases.

Update Schedule:

• UTASL Publication: Reports typically published 2-3 weeks after month-end (e.g., March data available mid-April)
• Our Ingestion: We process new data within 24-48 hours of UTASL publication
• Tool Reflection: Latest available month appears in the global date range selector

Data Freshness as of 2025:

• All metrics updated in sync monthly: Monthly Return %, YTD, NAV/Unit, Fund Size, Unit Holders, 5-Year CAGR
• Historical data remains stable for accurate time-series analysis
• Yearly performance tables aggregate monthly data for calendar-year views

To Check Data Currency:

1. Look at the "To (YYYY-MM)" field in the tool
2. The maximum available date shows the latest data month
3. Data source link: "Unit Trust Association Sri Lanka Performance Reports"

Important Limitation: Real-time NAV prices are NOT available as UTASL reporting is monthly. For same-day NAV quotes, contact individual fund managers directly. Our tool is optimized for performance comparison and trend analysis rather than transaction timing.

Which management companies offer the best unit trusts in Sri Lanka?

The "best" unit trust management company in Sri Lanka depends on your investment category and goals, as performance varies significantly. Use our Performance Overview tool to compare across major managers:

Top Management Companies (by AUM and track record):

NDB Wealth Management

• Large equity and balanced fund lineup
• Strong 5-year CAGRs particularly in equity funds
• One of the largest asset managers in Sri Lanka

Softlogic Asset Management

• Diversified offerings across all categories
• Competitive money market funds
• Strong digital platform

Capital Trust Asset Management

• Known for fixed income and gilt funds
• Consistent returns in low-risk categories
• Good for conservative investors

Guardian Fund Management

• Solid balanced and equity options
• Focus on sustainable investing

Investor Trust Management

• Strong long-term equity track record
• Experienced fund managers

ASSET Trust Management

• Growing lineup with competitive rates
• Innovative fund structures

Comparison Approach Using Our Tool:

1. Select a management company in the "Management Company" filter
2. View their full lineup of funds
3. Check 5-Year CAGR and YTD performance for 2025
4. Compare against other companies in the SAME category

Key Factors Beyond Returns:

• Expense Ratio (TER): Check fund factsheets - lower is better
• Fund Manager Experience: Tenure and track record
• Customer Service: Digital platform quality and support
• Minimum Investment: Entry requirements vary
• Redemption Timelines: Liquidity terms

Best Practice: Don't rely solely on one metric or company - build a portfolio across 2-3 managers and 3-4 fund categories for optimal diversification. Our tool allows simultaneous comparison of up to 25 funds from different managers using the interactive Performance Chart.

Should I invest in unit trusts with the highest monthly returns?

No, focusing solely on highest monthly returns is a common mistake that can lead to poor investment outcomes. Here's why and what to consider instead:

Problems with Chasing High Monthly Returns:

1. Volatility Risk: High returns often come with high volatility - one good month doesn't indicate consistency
2. Peak Valuation: Recent winners may be at peak valuation (buy high, sell low trap)
3. Category Context: 5% monthly return in equity might be normal, but in money market it could signal unusual risk
4. Reversion to Mean: Extreme performance often reverts to average over time

Better Evaluation Approach Using Our Tool:

1. Check Consistency

• Use the Monthly Performance table to see if returns are steady or erratic over 12+ months
• Look for funds with positive returns in 8-10 out of 12 months (for balanced/equity)

2. Analyze 5-Year CAGR

• Long-term smoothed returns are more predictive than short-term spikes
• Compare 5-Year CAGR across similar category funds

3. Compare Within Category

• An equity fund with 2% monthly return isn't worse than a money market fund with 0.7%
• Different risk profiles require category-specific evaluation

4. Review Fund Size and Holders

• Rapidly shrinking fund size may indicate problems despite good returns
• Declining unit holders suggest investor exodus

5. Consider YTD Performance

• Year-to-date gives context for current year trend vs. single month anomaly

Smart Sri Lankan Investor Strategy:

For Short-term Goals (1-2 years)

• Choose money market/gilt funds
• Target: Consistent 0.6-0.8% monthly returns (7-9% annually)
• Stability > high returns

For Medium-term Goals (3-5 years)

• Balanced funds
• Target: 1-1.5% average monthly
• Some volatility acceptable

For Long-term Wealth (7+ years)

• Equity funds
• Focus on 5-Year CAGR of 13%+
• Expect monthly swings of -5% to +5%
• Short-term losses are normal

Use Our Tool To: Identify funds with consistent performance patterns using the interactive chart over 12-24 months, not just recent peaks or single-month spikes.

How do I use this tool to build a diversified unit trust portfolio?

Build a diversified Sri Lankan unit trust portfolio using our Performance Overview tool with this systematic approach:

Step 1: Define Your Investment Profile

Determine Time Horizon:

• Short-term: 1-2 years
• Medium-term: 3-5 years
• Long-term: 7+ years

Assess Risk Tolerance:

• Conservative: Can't afford significant losses
• Moderate: Can handle some volatility
• Aggressive: Comfortable with market swings

Set Allocation Targets:

• Conservative: 60% Money Market + 30% Fixed Income + 10% Balanced
• Moderate: 30% Money Market + 40% Balanced + 30% Equity
• Aggressive: 20% Money Market + 30% Balanced + 50% Equity

Step 2: Screen Funds by Category

Money Market Funds:

1. Select "Unit Trust Category" filter => Choose "Money Market"
2. Review Monthly Return % and 5-Year CAGR
3. Shortlist 2-3 funds with consistent 7-9% CAGR
4. Check fund size (prefer LKR 500M+)

Fixed Income Funds:

1. Filter by "Fixed Income" category
2. Target: 9-12% 5-Year CAGR
3. Verify monthly return consistency

Balanced Funds:

1. Filter by "Balanced" category
2. Target: 11-15% 5-Year CAGR
3. Check volatility in monthly table

Equity Funds:

1. Filter by "Equity" category
2. Target: 13-18%+ 5-Year CAGR
3. Expect higher volatility

Step 3: Compare Management Companies

1. Use "Management Company" filter to check fund lineups
2. Diversify across managers: Don't concentrate all funds under one company
3. Recommended spread: NDB Wealth, Softlogic Asset Management, Capital Trust

Step 4: Analyze Performance Consistency

For each shortlisted fund:

1. Review Monthly Performance table for volatility patterns
2. Check Yearly Performance for down-year resilience
3. Prefer funds with positive returns in 4 out of 5 recent years
4. Use Performance Chart to visualize trend stability

Step 5: Verify Fund Health Indicators

1. Fund Size (NAV Total): Prefer funds with LKR 500M+ for liquidity
2. Unit Holders: Growing counts signal investor confidence
3. YTD Performance: Confirms 2025 momentum aligns with history

Example 2025 Portfolio (LKR 100,000 Investment):

Conservative Investor (Age 55+):

• LKR 60,000 => Money Market Fund (NDB Wealth Money Market) - Emergency access
• LKR 30,000 => Fixed Income Fund (Capital Trust Fixed Income) - Steady income
• LKR 10,000 => Balanced Fund (Softlogic Balanced) - Mild growth

Moderate Investor (Age 35-55):

• LKR 30,000 => Money Market (Softlogic Money Market) - Liquidity reserve
• LKR 40,000 => Balanced Funds (Split between 2 managers)
• LKR 30,000 => Equity Funds (NDB Wealth Equity)

Aggressive Investor (Age 20-35):

• LKR 20,000 => Money Market (Emergency fund)
• LKR 30,000 => Balanced Funds (Medium-term goals)
• LKR 50,000 => Equity Funds (Split across 2 equity funds)

Ongoing Management:

1. Quarterly Review: Use our tool to track performance drift
2. Rebalance Annually: Restore original allocation percentages
3. Monitor Metrics: Watch for sustained underperformance (12+ months below category average)
4. Adjust for Life Changes: Shift to conservative allocation as retirement approaches

Pro Tip: Start with our "Load Example" button to see a pre-selected fund, then use filters to build your custom portfolio based on this systematic approach.

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Recent Updates & Changes

October 2025 Updates

• Enhanced filtering system with company, category, and fund-specific views
• Added 5-Year CAGR metric for long-term performance analysis
• Improved chart performance with up to 25 funds simultaneously
• Integrated latest UTASL September 2025 data

September 2025 Updates

• Added Unit Holders metric tracking
• Expanded date range to include Q3 2025 data
• Performance optimizations for multi-fund comparisons

August 2025 Updates

• Improved mobile responsiveness for charts
• Added data source attribution to UTASL
• Enhanced yearly performance aggregation

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Unit Trust Performance Analysis - Complete Process

Step 1: Select Your Analysis Scope (2 minutes)

Choose ONE Filter Type:

1. Management Company: View all funds from one manager (e.g., NDB Wealth)
2. Category: Compare similar funds (e.g., all Equity funds)
3. Specific Fund: Deep-dive into a single fund's history

Set Date Range:

• From (YYYY-MM): Enter start month (e.g., 2020-01)
• To (YYYY-MM): Enter end month (e.g., 2025-10)
• Default range shows maximum available data

Step 2: Analyze Performance Chart (3-5 minutes)

Select Metric to Display:

1. Monthly Return %: Best for volatility assessment
2. YTD %: Best for current year momentum
3. 5-Year CAGR: Best for long-term perspective
4. NAV/Unit: Best for price trend analysis
5. Fund Size: Best for liquidity assessment
6. Unit Holders: Best for investor sentiment

Chart Interpretation:

• Each fund shown in unique color (up to 25 colors)
• Hover over points to see exact values
• Look for consistent upward trends vs. erratic patterns

Step 3: Review Monthly Performance Table (3-5 minutes)

What to Check:

• Consistency of positive returns
• Magnitude of negative months
• Recovery speed after drawdowns
• Comparison across funds in same month

Red Flags:

• More than 40% negative months in equity funds
• More than 20% negative months in balanced funds
• More than 5% negative months in money market funds
• Consecutive 3+ months of negative returns

Step 4: Examine Yearly Performance (2-3 minutes)

Key Metrics:

• How many years show positive returns?
• Worst performing year value
• Best performing year value
• Consistency across years

Benchmarks:

• Equity funds: Expect 1 negative year in 5
• Balanced funds: Expect 1 negative year in 7-10
• Money market: Should be positive every year

Total Analysis Time: 10-15 minutes per fund comparison

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Required Analysis Checklist

Use this checklist to ensure comprehensive fund evaluation:

For Short-term Investment (1-2 years)

• Selected Money Market or Gilt fund category
• Verified 5-Year CAGR is 7-9%
• Checked monthly returns show <2% volatility
• Confirmed fund size is LKR 500M+
• Verified no negative yearly returns in last 5 years
• Reviewed unit holders are stable or growing

For Medium-term Investment (3-5 years)

• Selected Balanced or Fixed Income fund
• Verified 5-Year CAGR is 10-15%
• Checked maximum monthly drawdown is <10%
• Confirmed fund has 4+ positive years out of last 5
• Compared at least 3 funds in category
• Verified management company reputation

For Long-term Investment (7+ years)

• Selected Equity fund category
• Verified 5-Year CAGR is 13%+
• Accepted potential 15-20% drawdowns
• Confirmed fund survived at least one market cycle
• Compared against ASPI benchmark (if available)
• Verified fund manager tenure is 3+ years

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Tips for Maximizing Unit Trust Returns in Sri Lanka

1. Timing and Consistency

• Invest Regularly: Use rupee-cost averaging - invest same amount monthly regardless of NAV
• Stay Invested Long-term: Equity funds need 5-7 years minimum to smooth volatility
• Don't Time the Market: Use our 5-Year CAGR metric to focus on long-term trends
• Avoid: Trying to buy at lowest NAV - impossible to predict consistently

2. Diversification Strategy

• Spread Across Categories: Allocate to money market, balanced, and equity based on goals
• Multiple Management Companies: Don't put all funds with one manager (diversify across 2-3)
• Review Portfolio Quarterly: Use our tool to check if allocation has drifted
• Avoid: Concentrating 100% in one fund or category

3. Performance Monitoring

• Track Relative Performance: Compare fund's returns to category average using our comparison feature
• Review Yearly Returns: Check calendar-year performance for consistency
• Monitor Fund Size Changes: Declining NAV Total may signal redemption pressure
• Avoid: Panicking over single month's poor performance - focus on 12-month trends

4. Cost Optimization

• Check Expense Ratios: Lower TER (Total Expense Ratio) means more returns for you
• Understand Entry/Exit Loads: Some funds charge fees for early redemption
• Review Fund Factsheets: Compare management fees across similar funds
• Avoid: Ignoring fees - 1% difference compounds to significant amounts over decades

5. Tax Efficiency for Sri Lankan Investors

• Understand Tax Treatment: Unit trust capital gains may be taxable - consult tax advisor
• Hold Long-term: Longer holding periods may qualify for favorable tax treatment
• Keep Records: Document purchase dates and amounts for tax reporting
• Avoid: Frequent switching between funds (triggers tax events and fees)

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Comparison: Sri Lankan Unit Trust Categories

Feature	Money Market	Fixed Income	Balanced	Equity
Risk Level	Very Low	Low-Moderate	Moderate	High
5-Year CAGR Target	7-9%	9-12%	11-15%	13-18%+
Monthly Volatility	<0.5%	1-2%	2-4%	4-10%
Typical Holdings	Treasury Bills, Repos	Corporate Bonds, Govt Securities	50% Stocks + 50% Bonds	80%+ CSE Stocks
Liquidity	Excellent (T+1)	Good (T+2 to T+3)	Good (T+2 to T+3)	Moderate (T+3 to T+5)
Best For	Emergency funds, <2 year goals	Income seekers, 2-4 year goals	Balanced growth, 3-6 year goals	Wealth building, 7+ years
Min Investment	LKR 10,000 - 25,000	LKR 25,000 - 50,000	LKR 50,000 - 100,000	LKR 50,000 - 100,000
Inflation Protection	Low	Moderate	Good	Excellent
SEC Regulation	Strict	Strict	Strict	Strict

Recommendation: Use our Performance Overview tool to compare actual historical returns within each category. Categories are guidelines - specific funds' performance varies significantly. Target allocation based on your age: Age Rule: (100 - Your Age) = % in equity/balanced, remainder in money market/fixed income.

Example: 30-year-old => 70% equity/balanced + 30% money market/fixed income.

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Important note

This tool is for research and education in a Sri Lankan context. It does not constitute financial advice. Past performance does not guarantee future results. Always read the fund prospectus/factsheet and consult a licensed advisor before investing.