SFPCX Performance — Saratoga Financial Services Portfolio, Financial Services Class C
Data updated: 2026-01-28
SFPCX returned +3.16% over one year to Nov 2025. Annualised returns are +15.16% over 3 years and +15.21% over 5 years. The fund beat its Real Estate category average: $100 invested three years ago grew to $153, against $118 for the category, and to $103 over one year, against $96. Volatility over the past three years was 17.14% a year. In the 12 months to Nov 2025 the fund lost a net $877K, and assets reached $711K.
SFPCX Growth of $100
What $100 invested in Saratoga Financial Services Portfolio grew to, compounded from monthly returns reported on SEC Form N-PORT, against the Real Estate category average over the same months.
| Period | SFPCX | Category average |
|---|---|---|
| 1 year (Dec 2024 – Nov 2025) | $103 | $96 |
| 3 years (Dec 2022 – Nov 2025) | $153 | $118 |
| 5 years (Dec 2020 – Nov 2025) | $203 | $132 |
| Since data start (Mar 2020 – Nov 2025) | $209 | $136 |
SFPCX Trailing Returns
Total returns to Nov 2025, from SEC N-PORT.
| Period | Total return |
|---|---|
| 1 year | +3.16% |
| 3 years (annualised) | +15.16% |
| 5 years (annualised) | +15.21% |
SFPCX Annual Returns
Calendar-year total returns of Saratoga Financial Services Portfolio, compounded from monthly SEC N-PORT returns. Partial years show the months covered.
| Year | Total return |
|---|---|
| 2025 (Jan–Nov) | +9.86% |
| 2024 | +29.84% |
| 2023 | +13.51% |
| 2022 | −12.17% |
| 2021 | +34.28% |
| 2020 (Mar–Dec) | +9.58% |
SFPCX Monthly Returns
Monthly total returns as reported on SEC Form N-PORT.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025 | +6.3% | −0.7% | −4.5% | −2.1% | +4.8% | +3.8% | +0.7% | +3.4% | −0.3% | −2.1% | +0.8% | — |
| 2024 | +2.0% | +4.7% | +4.7% | −4.3% | +2.8% | −1.0% | +6.1% | +3.5% | +0.5% | +3.3% | +11.3% | −6.1% |
| 2023 | +8.5% | −2.4% | −9.9% | +1.9% | −4.7% | +7.2% | +6.0% | −3.4% | −2.5% | −2.9% | +10.6% | +6.4% |
| 2022 | +1.2% | −1.5% | −1.6% | −9.0% | +3.1% | −11.0% | +7.0% | −1.3% | −8.1% | +11.6% | +5.1% | −5.7% |
| 2021 | −1.5% | +11.4% | +6.1% | +7.1% | +4.6% | −3.1% | −0.5% | +5.2% | −2.1% | +5.9% | −5.0% | +3.0% |
| 2020 | — | — | −22.0% | +9.5% | +2.5% | +0.5% | +2.1% | +3.6% | −4.8% | −0.5% | +16.9% | +6.3% |
SFPCX Risk
Risk measures from monthly returns over Dec 2022 – Nov 2025.
- 3-year volatility (annualised): 17.14%
- 3-year Sharpe ratio: 0.62 (vs 4.5% risk-free rate)
- Best month: +11.26% (Nov 2024)
- Worst month: −9.88% (Mar 2023)
SFPCX Fund Flows
Monthly money in and out of Saratoga Financial Services Portfolio, from SEC Form N-PORT.
- 12-month net flow: −$877K
- 12-month gross sales (incl. reinvestments): $135K
- Sales ÷ redemptions: 0.13×
| Month | Sales | Redemptions | Net flow |
|---|---|---|---|
| Nov 2025 | $3K | $288K | −$286K |
| Oct 2025 | $1K | $30K | −$29K |
| Sep 2025 | $5K | $12K | −$7K |
| Aug 2025 | $145 | $232K | −$232K |
| Jul 2025 | $11K | $32K | −$21K |
| Jun 2025 | $911 | $9K | −$8K |
| May 2025 | $199 | $129K | −$129K |
| Apr 2025 | $549 | $54K | −$54K |
| Mar 2025 | $958 | $58K | −$57K |
| Feb 2025 | $30K | $55K | −$26K |
| Jan 2025 | $4K | $107K | −$103K |
| Dec 2024 | $78K | $4K | $74K |
SFPCX Assets Under Management
Net assets of Saratoga Financial Services Portfolio by report date, from SEC N-PORT filings.
| Report date | Net assets |
|---|---|
| 2025-11-30 | $710.57K |
| 2025-08-31 | $1.06M |
| 2025-05-31 | $1.24M |
| 2025-02-28 | $1.53M |
| 2024-11-30 | $1.69M |
| 2024-08-31 | $1.48M |
| 2024-05-31 | $1.22M |
| 2024-02-29 | $1.21M |
| 2023-11-30 | $1.08M |
| 2023-08-31 | $1.06M |
| 2023-05-31 | $1.04M |
| 2023-02-28 | $1.40M |
For information only. Not investment advice: figures are as reported in SEC filings and may contain errors or be out of date. Past performance does not guarantee future results.