# 20-year data shows 100% equity portfolios carry higher volatility 2026-08-16T19:40:51+00:00 | Business & Economy | Indian Opinion Desk Corroboration: 1 independent outlet Livemint reports that while a 100% equity portfolio delivered higher absolute returns over 20 years, it also carried significantly higher volatility. Data from UTI Mutual Fund shows the Nifty 100 TRI returned 12.5% annually over two decades, turning Rs 1 lakh into about Rs 10.5 lakh. In contrast, a 50:50 equity-debt mix returned 10.9% annually, growing the same amount to Rs 7.9 lakh, while a 100% fixed-income portfolio returned 7.2% and grew to Rs 4 lakh. However, on a risk-adjusted basis, measured as CAGR divided by standard deviation, the 100% equity portfolio scored just 0.60 over 20 years, compared with 1.0 for the 50:50 portfolio and 2.2 for 100% fixed income. The equity portfolio's standard deviation was 20.9%, far higher than 10.3% for the balanced portfolio and 3.2% for debt. Livemint notes that risk-adjusted measures show returns alone give an incomplete picture of long-term performance. ## Coverage - livemint.com This story was synthesised by AI from the source linked above. Tags: CRISIL Short Term Bond Fund Index, Livemint, Nifty 100 TRI, UTI Mutual Fund Canonical: https://indianopinion.org/20-year-data-shows-100-equity-portfolios-carry-higher-volatility/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/20-year-data-shows-100-equity-portfolios-carry-higher-volatility/#story-in-brief Review state: restored archive article, accurate at time of publication, not offered to search indexes. How this brief was made: an AI model read the report linked above and wrote this summary and analysis, which were published automatically. Published briefs are sampled every hour by an automated quality check; the editor verifies its findings and approves corrections, and corrected briefs carry a dated correction line. We do no original reporting. Methodology: https://indianopinion.org/ai-use-policy/