Senfin Growth Fund vs Senfin Insurance Sector Fund
Prices as at 26 Aug 2026. Both are equity funds, so they are measured over the same window on the same basis. Past performance is not indicative of future results.
In short
Over the last 180 days Senfin Growth Fund returned −1.50% and Senfin Insurance Sector Fund returned −4.51%, both to 26 Aug 2026. Senfin Insurance Sector Fund is the cheaper of the two at 0.75% a year against 1.75%. Senfin Insurance Sector Fund has been the steadier, moving 1.5 times less than Senfin Growth Fund.
Side by side
Returns are price returns on the bid side, computed by us from daily published prices.
| Senfin Growth Fund | Senfin Insurance Sector Fund | |
|---|---|---|
| Fund manager | Senfin Asset Management (Pvt) Ltd | Senfin Asset Management (Pvt) Ltd |
| Category | Equity | Equity |
| 180-day returnPrice return, bid side | −1.50% | −4.51% |
| Management feeA year, deducted before pricing | 1.75% | 0.75% |
| VolatilityAnnualised, from daily prices | 30.67% | 19.90% |
| Largest fallPeak to trough, our record | −19.49% | −14.60% |
| Minimum investment | LKR 1,000 | LKR 1,000 |
| Pricing days we hold | 327 | 327 |
A blank means unknown, not zero: our price record for that fund does not reach back far enough, or the figure is not published.
What actually differs
Both funds are run by Senfin Asset Management (Pvt) Ltd, so this is a comparison within one house rather than between two. That removes a variable: the same investment team, the same operational setup and the same trustee arrangements sit behind each. What is left to separate them is what each fund is mandated to hold and what it charges for doing so.
The clearest difference is the management fee. Senfin Insurance Sector Fund charges 0.75% a year against Senfin Growth Fund's 1.75%, a gap of 1.00 percentage points. On LKR 100,000 held for a year that is about LKR 1,000 more retained by a holder of Senfin Insurance Sector Fund, before any difference in what the two funds actually earn. The fee is deducted from the fund's assets before the unit price is struck, so it applies whatever the market does — which makes it the one number here that is knowable in advance.
Over the 180 days to the date shown, Senfin Growth Fund returned −1.50% against Senfin Insurance Sector Fund's −4.51%, a gap of 3.01 percentage points. That is one window: a different 180 days would very likely order them differently, and neither figure predicts the next six months. Both are price returns on the bid side and exclude income a fund distributed rather than accrued into its price.
They have not moved by the same amount. Senfin Insurance Sector Fund has annualised volatility of 19.90% against Senfin Growth Fund's 30.67%, meaning Senfin Growth Fund's unit price has swung roughly 1.5 times as much day to day. Their largest peak-to-trough falls over the period we hold prices for were −14.60% and −19.49%. Volatility describes how the price has behaved, not how likely a loss is, and a fund that has been steady can still fall.
Among the 15 equity funds we price daily, Senfin Growth Fund ranks 4th on 180-day return and Senfin Insurance Sector Fund 8th, against a category median of −4.51% over the same window. On fee they sit 12th and 1st cheapest of the 15, where the median is 1.50%. On how much the price has moved, Senfin Growth Fund is 15th steadiest and Senfin Insurance Sector Fund 11th.
Common questions
Which has the lower fee, Senfin Growth Fund or Senfin Insurance Sector Fund?
Senfin Insurance Sector Fund, at 0.75% a year against 1.75%. The management fee is deducted before the unit price is struck, so the returns shown on this page are already after it.
Which is less volatile, Senfin Growth Fund or Senfin Insurance Sector Fund?
Senfin Insurance Sector Fund, with annualised volatility of 19.90% against 30.67%, measured from the daily prices we collect. That describes how much each price has moved in the past; it is not a prediction and not a risk rating.
Can I hold both funds at the same time?
Yes. Unit trusts are bought independently of each other and holding two does not affect either. Whether holding both makes sense for a particular person depends on their circumstances, which is a question for a licensed investment adviser rather than for this page.
What is the minimum investment for each?
Senfin Growth Fund opens at LKR 1,000 and Senfin Insurance Sector Fund at LKR 1,000. Minimums are set by each fund manager and can change, so treat these as the last published figures rather than a quotation.
This page sets out how two funds differ on measures we can state and date. It is not a recommendation, it does not say which fund is better, and CeylonFunds is not a licensed investment adviser. How every figure is calculated is in our methodology.
Related
Daily unit prices published by the Unit Trust Association of Sri Lanka (utasl.lk). Performance figures as published by the respective fund managers.