VIPB Fixed Income Fund
VIPB Fixed Income Fund returned 20.08% a year since launch, over 2.1 years, with cash dividends reinvested, based on NAV history through 2 Sep 2026.
Open-end income mutual fund in Bangladesh, managed by VIPB Asset Management Company Limited (VIPB AMCL). Tracked since Sep 2024, with dividends reinvested by default or taken as cash.
Total-return path since Sep 2024, dividends reinvested.
See the numbers behind this chart
| Month | Total-return index |
|---|---|
| Sep 2024 | 100.00 |
| Oct 2024 | 99.70 |
| Nov 2024 | 99.90 |
| Dec 2024 | 101.30 |
| Jan 2025 | 105.30 |
| Feb 2025 | 113.50 |
| Mar 2025 | 106.80 |
| Apr 2025 | 106.40 |
| May 2025 | 108.10 |
| Jun 2025 | 109.00 |
| Jul 2025 | 123.10 |
| Aug 2025 | 125.40 |
| Sep 2025 | 128.00 |
| Oct 2025 | 125.10 |
| Nov 2025 | 123.80 |
| Dec 2025 | 122.20 |
| Jan 2026 | 128.80 |
| Feb 2026 | 133.70 |
| Mar 2026 | 130.20 |
| Apr 2026 | 129.10 |
| May 2026 | 130.90 |
| Jun 2026 | 136.10 |
| Jul 2026 | 136.60 |
| Aug 2026 | 142.70 |
| Sep 2026 | 143.00 |
Latest NAV date: 3 Sep 2026.Source: VIPB Asset Management Company Limited (VIPB AMCL)'s website.Figures as of 2 Sep 2026.
Same fund. Two honest answers.
Both are right; they answer different questions. On the left, every dividend is taken as cash the way many investors actually use them, which is VIPB’s since-inception money-weighted return (XIRR). On the right, every dividend is reinvested to buy more units, the total return of the fund itself.
A ৳1,00,000 investment held over since launch would be worth about ৳1,44,010 with dividends reinvested, or ৳1,43,200 taking every dividend as cash. Reinvesting compounds, so it ends higher; the gap (about ৳810) is the cost of not reinvesting.
Why can both numbers be right? Seeing two different percentages for the same fund is normal, not a mistake. VIPB’s figure assumes each payout stayed in your hand (a cash-out, money-weighted XIRR). ReturnKoto? METHOD assumes every dividend went back into the fund (a reinvested, time-weighted total return). Both figures include the fund’s stock dividends and unit conversions, so nothing is left out; the difference is only whether dividends are reinvested or taken as cash, plus payout timing, how long you measure and the end date, any of which can tip either side higher. The Taken as cash toggle elsewhere on ReturnKoto? is our own time-weighted cash path for whatever period you pick; it is not the same rate as VIPB’s since-inception money-weighted XIRR on the left, even though both treat dividends as cash. VIPB has reviewed the fund data on this page, and neither figure is an error.
Historical returns
Total return reinvests every dividend. “Per year” is the annualized compound rate. The last column is the return on a fixed amount invested every month (SIP).
Table is in AMC-aligned mode for this fund.
| Return period | Total return | Per year | Monthly SIP /yr |
|---|---|---|---|
| 6 months | +8.22% | +16.98% | +24.46% |
| Year to date | +16.33% | +25.30% | +20.89% |
| 1 year | +14.03% | +13.79% | +18.39% |
| 2 years | +44.01% | +20.08% | +19.92% |
| Max (2.1 yrs) | +44.01% | +20.08% | +18.35% |
Figures as of 3 Sep 2026 Dividends reinvested at the fund manager’s published payment dates (not the October convention). The since-launch figure starts from the ৳10 face value paid at the fund’s inception, matching the asset manager’s own convention.
Rolling returns & path risk
A single look-back can flatter or punish a start date. These figures walk the whole history.
| Rolling window | Latest | Median | Best | Worst | Windows |
|---|---|---|---|---|---|
| 1 year | +11.72% | +21.33% | +28.00% | +10.97% | 13 |
| 3 years | Needs 3 years of history | ||||
Each window is annualized total return (dividends reinvested). Latest is the most recent closed window; median / best / worst summarize every overlapping window of that length. Tap ? on a column header for a short tip.
Track record too short for the fixed 3-year window (needs 36 closed months). Figures below use about 2.0 years of available history:
Downside deviation only counts losing months. Worst drop is the deepest peak-to-trough fall inside the window. These are measured facts from the NAV series; the star composite that uses them stays experimental.
Calculate your return
Just this fund. Set an amount, pick one-time or monthly, and choose a period.
See the numbers behind this chart
| Month | Value of ৳1,000 |
|---|---|
| Sep 2024 | ৳1,000 |
| Oct 2024 | ৳997 |
| Nov 2024 | ৳999 |
| Dec 2024 | ৳1,013 |
| Jan 2025 | ৳1,053 |
| Feb 2025 | ৳1,135 |
| Mar 2025 | ৳1,068 |
| Apr 2025 | ৳1,064 |
| May 2025 | ৳1,081 |
| Jun 2025 | ৳1,090 |
| Jul 2025 | ৳1,231 |
| Aug 2025 | ৳1,254 |
| Sep 2025 | ৳1,280 |
| Oct 2025 | ৳1,251 |
| Nov 2025 | ৳1,238 |
| Dec 2025 | ৳1,222 |
| Jan 2026 | ৳1,288 |
| Feb 2026 | ৳1,337 |
| Mar 2026 | ৳1,302 |
| Apr 2026 | ৳1,291 |
| May 2026 | ৳1,309 |
| Jun 2026 | ৳1,361 |
| Jul 2026 | ৳1,366 |
| Aug 2026 | ৳1,427 |
| Sep 2026 | ৳1,430 |
Total-return NAV rebased to your amount. Dividends are reinvested by default; switch to taken as cash above.
Fund details
What VIPB Fixed Income Fund holds
As of 30 Jun 2026From the fund’s quarterly portfolio disclosure. Percentages by market value.
31 Mar 2026 → 30 Jun 2026before now
Asset mix: Government treasury bonds 51.74% → 49.24%; Corporate subordinated bonds 24.43% → 34.40%; Common stock 19.30% → 9.51%; Cash & equivalents 0.02% → 2.98%.
Position sizes shift with both trading and market prices; both snapshots come from the fund manager’s own statements.
✓ Verified from VIPB quarterly portfolio statement (30 Jun 2026). Holdings are disclosed quarterly, so they can lag the latest daily NAV.
Side by side with another fund
Questions about VIPB Fixed Income Fund
What kind of fund is VIPB Fixed Income Fund?
VIPB Fixed Income Fund is an open-end income mutual fund in Bangladesh, managed by VIPB Asset Management Company Limited (VIPB AMCL). You buy and redeem units at its published net asset value (NAV), and it has no fixed maturity.
What is the historical return of VIPB Fixed Income Fund?
Over roughly 2.1 years to 3 Sep 2026, VIPB Fixed Income Fund returned about +20.08% per year, as a total return with dividends reinvested. The figure changes with the period you choose, and past performance does not guarantee future results.
What are the fees for VIPB Fixed Income Fund?
VIPB Fixed Income Fund charges a management fee of 2.50% down to 1.00% per year (tiered by fund size). Its published NAV, and so every return shown, is already net of this fee.
Does VIPB Fixed Income Fund have an exit load?
1% exit load within 3 months; zero thereafter.
What is the minimum investment for VIPB Fixed Income Fund?
VIPB Fixed Income Fund has a one-time minimum of BDT 20,000 individual / BDT 50,000 institution and a monthly SIP from BDT 2,000/month.
Is VIPB Fixed Income Fund Shariah-compliant?
No. VIPB Fixed Income Fund is a conventional open-end fund, not Shariah-certified. ReturnKoto? has a one-tap filter to show only Shariah funds.