BAJAJ FINSERV ASSET MANAGEMENT LIMITED.
A Systematic Investment Plan (SIP) allows you to invest a fixed amount in a mutual fund scheme at regular intervals. An SIP for 40 years provides an extended long-term horizon, allowing investments to potentially grow through compounding and multiple market cycles. This may help investors achieve significant financial milestones over decades.
Past performance may or may not be sustained in future.
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 funds may be suitable for an SIP for 40 years, potentially growing through compounding and long-term market participation.
No. SIPs are taxed according to the type of fund and holding period.
SIPs are market-linked while FDs provide fixed returns. Choice depends on financial goals and risk comfort.
No. SIP returns are market-linked and may fluctuate over time.
You may start with Rs. 500 per month. Minimum requirements vary by fund.
Yes. Many funds allow contribution increases over time to align with income growth.
Yes. SIPs can be stopped or redeemed per fund rules at the end of the tenure.
No SIP guarantees specific returns. Outcomes depend on market factors.
Some equity funds may have shown high returns in the past, but past performance is not indicative of future results.
An SIP for 40 years offers a very long-term horizon to accumulate potential wealth gradually. Long-term investing and compounding may help potentially achieve financial goals such as retirement planning or building generational wealth.
Investors aiming for long-term wealth creation and comfortable with market volatility may consider a 40-year SIP. It suits very long-term objectives and may form a core component of a retirement or legacy portfolio.
Select a fund aligned with long-term goals and risk profile. Decide your monthly contribution, set the tenure as 40 years, complete KYC, and start the SIP through a bank or AMC platform.
Returns vary depending on fund type and market performance. Equity funds may show potential growth over decades, while hybrid funds provide a mix of growth and stability. Past performance may or may not be sustained in future.
The XIRR method or online SIP calculators can provide an indicative picture of potential returns, but they are not prediction tools.
Consider your long-term financial objectives and risk tolerance. Equity and diversified multi-cap funds may be suitable for very long-term horizons. Review fund details, performance history, and scheme terms 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.
