BAJAJ FINSERV ASSET MANAGEMENT LIMITED.
BAJAJ FINSERV ASSET MANAGEMENT LIMITED.
A Systematic Investment Plan (SIP) allows you to invest a fixed amount in a mutual fund scheme regularly over a chosen period. An SIP for 10 years offers the advantage of staying invested through multiple market cycles, allowing your investments to potentially benefit from compounding and rupee cost averaging. Over a decade, this disciplined approach may help you build a potential corpus aligned with your long-term financial goals.
An SIP for 10 years provides a long investment runway, allowing your money to compound and grow steadily. It can help you plan for important goals like higher education, wealth creation, or early retirement. Long-term SIPs also help reduce the impact of short-term volatility and promote disciplined investing.
A 10-year SIP may be suitable for investors seeking long-term wealth creation through market participation. It suits those who prefer regular investing over lump-sum contributions and can stay invested through market cycles.
To begin, choose a mutual fund scheme that fits your long-term goal and risk profile. Decide your SIP amount, set the tenure for 10 years, complete KYC, and start investing online or through an AMC. Staying consistent for the full period may help your investment benefit from compounding.
Returns from a 10-year SIP depend on the fund type and overall market performance. Equity-oriented funds may offer higher potential growth over this horizon, while hybrid funds may provide moderate returns with lower volatility.
Past performance may or may not be sustained in future.
SIP returns are commonly calculated using the XIRR method, which reflects returns from multiple monthly investments. You may also use an online SIP calculator to estimate outcomes.
The calculator is an aid, not a prediction tool. It provides only an indicative picture.
When choosing an SIP for 10 years, assess your goals, time horizon, and risk tolerance. Consider diversified equity or hybrid funds and review fund consistency, expense ratio, and historical performance before investing.
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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Build long-term wealth with Bajaj Finserv AMC’s equity mutual funds, designed to invest in a diversified portfolio of stocks Know More
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Equity or hybrid funds may be suitable for a long-term SIP. They provide potential for growth over time. Scheme documents provide details about fund objectives and performance history.
No. SIPs are taxed based on the fund category and the duration of investment.
SIPs are market-linked, while FDs offer fixed returns. The choice depends on your financial goal and risk comfort. Returns on mutual funds are not guaranteed.
SIPs are market-linked and subject to fluctuations. Returns are not guaranteed.
You may start investing with Rs. 500 per month. The minimum amount differs across funds.
Yes. Many funds allow you to modify contributions. Check scheme details before making changes.
Yes. You can pause or stop your SIP after the chosen tenure. Terms depend on the fund’s rules.
No SIP guarantees specific returns. Market outcomes vary, and past performance may not continue.
Some equity funds may have shown high returns historically, but past performance is not indicative of future results.
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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.
