Bajaj Finserv Multi Asset Allocation Fund

Bajaj Finserv Multi Asset Allocation Fund follows a strategy focused on dividend-yield investing, seeking to optimize returns over the long term. This scheme aims to provide growth through dividend payouts. Dividend-yield investing involves selecting stocks or securities that pay higher dividends compared to the Nifty 50 index. This approach targets companies with stable business models and a history of sustainable growth. Dividend yield, a measure of how much a company pays out in dividends relative to its stock price, is a key metric in this strategy. By reinvesting these dividends, investors can potentially enhance their returns through compounding growth over time. Whether you're a seasoned investor or just starting out, an SIP investment in Bajaj Finserv Multi Asset Allocation Fund can take you a step closer to long-term financial success. To decide your monthly SIP amount, you can make use of our online SIP calculator.

Advantages of Bajaj Finserv Multi Asset Allocation

Dividend-yield focus
The fund invests in companies that have higher than average dividend yields, this means it can potentially be a source of steady income and even enhance the total returns over time.

Diversified asset mix
With its allocation spread across equity, debt and other asset classes, the fund aims to mitigate risk and optimise return potential. This makes it suitable for investors who seek relative stability with the potential to grow.

Compounding through reinvestment
In this fund, dividends received can be reinvested, this allows investors to potentially benefit from compounding returns and build wealth in the long run.

Focus on quality and relative stability
As this fund target companies with robust fundamentals, proven business models and a history of consistent dividend payouts, it helps reduce the overall volatility of the portfolio.

SIP-friendly for long-term goals
This fund is ideal for someone looking to initiate a long-term investment journey through SIPs. It helps investors stay invested across market cycles and move towards their financial objectives.

Bajaj Finserv Multi Asset Allocation Fund - Regular & Direct Plans

When you invest in Bajaj Finserv Multi Asset Allocation Fund, you have two plans – direct and regular. Each plan caters to different types of investors and the level of involvement they are looking for.

Direct Plan

The direct plan is designed for investors who wish to invest independently, without the help of a distributor. Since there is no commission involved, the expense ratio is often lower. This means that this can lead to potentially better net returns in the long run.

Regular Plan

In the regular plan, investors invest through a mutual fund distributor who guides them through the whole process. Here a commission is involved hence the expense ratio runs slightly higher. However, this plan comes with its own potential advantages like personalized advice, goal-based recommendations and on-going support with transactions like purchases and redemptions.

How to invest in Bajaj Finserv Multi Asset Allocation Fund

To invest in the Bajaj Finserv Multi Asset Allocation Fund, you have two options at your disposal.

• Offline mode
  If you're investing through a distributor, they will provide you with the application form, assist you in filling it out, and submit it on your behalf. Alternatively, if you wish to invest directly with the AMC, you can fill out the form yourself and submit it at any of the AMC’s official Points of Acceptance.
• Online mode
  You can invest using your demat or online trading account. Another option is to visit the Bajaj Finserv AMC investor portal, create an online account, and complete your investment in just a few steps.

Taxation on Bajaj Finserv Multi Asset Allocation Fund

As Bajaj Finserv Multi Asset Allocation Fund is equity-oriented, it follows the taxation rules that are applied to all equity schemes.

• Short-term capital gains (STCG): If you redeem your investment within one year, the gains are taxed at 15%, plus applicable surcharge and cess.
• Long-term capital gains (LTCG): If you stay invested for over a year, gains up to ₹1 lakh in a financial year are exempt from tax. Any gains beyond that are taxed at 10%, along with surcharge and cess as applicable.

Please consult your tax advisor for personalised advice. Tax laws are subject to change.