The ReturnKoto? blog
Plain-English writing on Bangladeshi mutual funds, built on the same NAV history behind the 35 funds ReturnKoto? tracks. Posts that quote returns recalculate themselves every day, so the figures in them do not go stale.
Do mutual funds actually beat Sanchayapatra? Here is the count
Sanchayapatra pays a fixed rate with no market risk. We counted how many tracked mutual funds actually cleared that bar over the same period, and how many cleared inflation.
9 of 35 funds beat SanchayapatraThe numbers today
Recalculated from NAV history through 24 September 2026. Tap a line for the full story.
- 9 of 35 funds beat Sanchayapatra (11.8% a year) over the last 2 years.
- ৳5,000 a month for 2 years (৳1,20,000 paid in) ended between ৳1,20,936 and ৳1,46,744, depending on the fund.
- Shariah funds are behind conventional ones by 6.14 points a year on average, over the last 2 years.
- Marico Bangladesh is the most widely held stock, in the disclosed top holdings of 25 of the 30 funds that name listed stocks.
This week’s report
Generated automatically from NAV history every week. Nothing in it is written by hand.
Returns and rankings
Returns and rankingsWhat BDT 5,000 a month actually became in every Bangladeshi mutual fund
The same monthly amount, put into each of the mutual funds we track, with dividends reinvested. One table, every fund, recalculated daily from NAV history.
৳1,46,744 best result
Returns and rankingsThe best performing mutual funds in Bangladesh, ranked by actual return
Every fund we track, ranked by annualised total return with dividends reinvested, over a window every fund can fill. Rebuilt from NAV history each day.
20.20% best fund, per year
Returns and rankingsDoes a bigger mutual fund perform better? We split the list and checked
Large funds carry an air of safety. We split every tracked fund at the median size and compared the two halves over the same window.
3.78 pp gap by fund size
Returns and rankingsGrowth, balanced or income: which kind of fund did what
The three fund types do different jobs and get judged as if they were interchangeable. Here is how each group actually performed over the same window.
14.51% income funds, average
Returns and rankingsShariah mutual funds in Bangladesh: what the returns actually show
Halal-certified funds rank against conventional ones over the same window, with the gap measured rather than assumed. Figures rebuild from NAV history daily.
6.14 pp gap to conventional
Returns and rankingsMonthly investing or one lump sum? What happened in each tracked fund
We ran the same window both ways across every fund we track and counted which approach came out ahead, fund by fund.
30 of 35 monthly beat lump sum
How funds work
How funds workOpen-end and closed-end funds in Bangladesh, and why we track one kind
Closed-end funds trade on the exchange and often at a discount to what they hold. Open-end funds transact at NAV. The difference changes what a return figure even means.
How funds workWhat NAV means, and why the number on the AMC site may differ from ours
Net asset value is the price of one unit, but there is more than one NAV and more than one date. Here is how to read the figure you are shown.
How funds workWhat Bangladeshi mutual funds actually own
Funds are sold on returns and bought without anyone reading the portfolio. Here are the names that turn up most often across the funds we track.
25 funds hold the top name
How funds workWhat total return actually means, and why our numbers differ from the AMC's
A fund's NAV drops when it pays a dividend. Judge it on NAV alone and you punish the funds that paid you the most. Here is the arithmetic, worked through by hand.
Choosing a fund
Choosing a fundHow long should you hold a mutual fund? What the windows show
The same funds look different over one year and over five. Comparing the two windows side by side is the cheapest lesson in why holding period matters.
4 of 35 strong on both windows
Choosing a fundHow to compare two mutual funds properly
Most comparisons stop at the headline return, which is the least reliable part. Here are the five checks that change the answer, in the order worth doing them.
Choosing a fundStarting out in mutual funds in Bangladesh, without the sales pitch
What a first-time investor should understand before choosing, framed around the decisions that actually change the outcome rather than the paperwork.