BAJAJ FINSERV ASSET MANAGEMENT LIMITED.
A Systematic Investment Plan (SIP) helps you invest small amounts regularly in a mutual fund scheme. An SIP for 20 years may give your money more time to potentially leverage the power of compounding and aid in potential wealth creation in the long run.
By staying invested through market ups and downs, you may work towards major financial goals such as retirement or creating a lasting financial corpus.
AdvantageOur investment philosophy combines behavioural finance with data & ana... Read More
Our total Assets Under Management as on January 31, 2026.
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Our Investment Philosophy reflects what we, as an organisation, believe will generate a good return on equity investment for our investors in the long term. It dictates our goals and guides decision making. Alpha (a) is a term used in investing to describe an investment strategy's ability to beat the market. Alpha is thus also often referred to as excess return or the abnormal rate of return in relation to a benchmark, when adjusted for risk. Essentially, it means doing better than the crowd without taking disproportionate risk.
Collecting superior information
Analysts and portfolio managers strive to collect superior information about the business and the management of the company. They try to generate superior earnings forecast and the balance strength of the company and the industry, thereby trying to ‘beat the market’ on information edge. This is an important source of alpha for an investor. However, over the years, retaining the information edge has become more difficult and expensive. With a whole lot of investors trying to collect superior information, how can an investor be sure to continuously have accurate and material information about the companies, ahead of others, all the time?
Processing information better
Even if you don’t have material information earlier than the crowd, you can still generate better outcomes if you are able to process this information better. Investors develop models and algorithms with enhanced predictive powers to forecast the next move. Fund managers who invest based on some pure formal analytical models are quantitative managers. Here, the goal is to try and beat other investors based on the sophistication of procedures or analytics. The analytical edge can be quite useful until it gets copied by many, and then it may stop generating superior returns.
Exploiting behavioural biases
As the name suggests, this edge is achieved by superior behaviour in reacting to the inputs available to maximise alpha. Modern finance assumes people behave with extreme rationality. However, researchers in behavioural finance have shown that this is not true. Moreover, these deviations from rationality are often systematic. Behavioural managers try to exploit situations where securities are mispriced by the market because of behavioural factors. At Bajaj Finserv AMC, we endeavour to combine the best of these edges.
Quality and liquidity
Build long-term wealth with Bajaj Finserv AMC’s equity mutual funds, designed to invest in a diversified portfolio of stocks Know More
Diversify your portfolio to reduce risk and get relatively stable growth potential. Invest in Bajaj Finserv AMC’s debt mutual funds. Know More
Benefit from a balanced investment strategy that combines growth potential with relative stability Know More
Grow your wealth over time with Bajaj Finserv AMC’s Index Funds. Get access to diversified, cost-effective investing. Know More
Invest in ETFs for intra-day trading flexibility, cost-efficiency and diversification. Know More
Equity or hybrid mutual funds may be suitable options for a 20-year SIP, as they can potentially create wealth over a long period.
No. SIP investments are subject to tax as per fund category and holding duration.
SIPs are market-linked, while FDs provide fixed returns. The choice depends on your risk tolerance and goals. Mutual fund returns are not guaranteed.
No. SIP returns are subject to market fluctuations and are not fixed.
You can start with Rs. 500 per month. The minimum investment varies by scheme.
Yes. Many mutual funds allow increasing your SIP amount periodically to match rising income.
Yes. You can stop or redeem your SIP after completing the investment period.
No SIP guarantees fixed or specific returns. All mutual fund investments are subject to market risks.
Certain funds may have delivered high past returns, but future results can differ.
An SIP for 20 years allows investors to stay committed to long-term wealth creation. It helps harness the power of compounding and encourages consistent savings habits over a long duration. Such an approach can help you meet significant financial goals with steady progress.
A 20-year SIP may suit investors planning for long-term financial objectives, such as retirement or wealth accumulation. It is appropriate for those comfortable with market fluctuations and looking to stay invested for decades.
Select a mutual fund scheme aligned with your long-term goals and risk profile. Choose the SIP amount and tenure of 20 years, complete your KYC, and set up automatic monthly payments. Staying invested throughout helps your corpus grow systematically.
SIP returns over 20 years depend on fund performance and market cycles. Equity and hybrid funds may offer growth potential when held for longer durations.
You can calculate your SIP returns using the XIRR method or through an online SIP calculator, which helps estimate potential returns based on assumed rates.
When choosing a SIP for 20 years, align your selection with your financial goals and risk capacity. Diversified equity or hybrid funds can help achieve balance between growth and stability. Review fund track records before investing.
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Bajaj Finserv Limited, an unregistered Core Investment Company (CIC) under RBI Regulations 2020, is a part of the renowned Bajaj Group.
One of India’s leading and most diversified financial services institutions, Bajaj Finserv Ltd provides simple financial solutions to crores of people every day through its group companies. Through continuous innovation, it strives to enrich the lives of communities across the length and breadth of the country and make financial security accessible to all.
Our Investment Philosophy reflects what we, as an organisation, believe will generate a good return on equity investment for our investors in the long term. It dictates our goals and guides decision making.
Alpha (a) is a term used in investing to describe an investment strategy’s ability to beat the market.
Alpha is thus also often referred to as excess return or the abnormal rate of return in relation to a benchmark, when adjusted for risk. Essentially, it means doing better than the crowd without taking disproportionate risk.
Collecting superior information
Analysts and portfolio managers strive to collect superior information about the business and the management of the company. They try to generate superior earnings forecast and the balance strength of the company and the industry, thereby trying to 'beat the market' on information edge. This is an important source of alpha for an investor. However, over the years, retaining the information edge has become more difficult and expensive. With a whole lot of investors trying to collect superior information, how can an investor be sure to continuously have accurate and material information about the companies, ahead of others, all the time?
Processing information better
Even if you don't have material information earlier than the crowd, you can still generate better outcomes if you are able to process this information better. Investors develop models and algorithms with enhanced predictive powers to forecast the next move. Fund managers who invest based on some pure formal analytical models are quantitative managers. Here, the goal is to try and beat other investors based on the sophistication of procedures or analytics. The analytical edge can be quite useful until it gets copied by many, and then it may stop generating superior returns.
Exploiting behavioural biases
As the name suggests, this edge is achieved by superior behaviour in reacting to the inputs available to maximise alpha. Modern finance assumes people behave with extreme rationality. However, researchers in behavioural finance have shown that this is not true. Moreover, these deviations from rationality are often systematic. Behavioural managers try to exploit situations where securities are mispriced by the market because of behavioural factors. At Bajaj Finserv AMC, we endeavour to combine the best of these edges.
