BAJAJ ASSET MANAGEMENT LIMITED.
BAJAJ ASSET MANAGEMENT LIMITED.
For senior citizens, managing finances after retirement can be challenging, especially with fixed income sources. A Systematic Investment Plan (SIP) provides a disciplined, convenient, and flexible way to grow savings over time.
By investing small amounts regularly in mutual funds, senior citizens may build a potential corpus while minimizing risk. SIPs offer potential wealth growth, financial security, and a structured investment approach, making them ideal for those who want stability and consistent returns.
AdvantageOur investment philosophy combines behavioural finance with data & ana... Read More
Our total Assets Under Management as of August 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 AMC, we endeavour to combine the best of these edges.
Quality and liquidity
Build long-term wealth with Bajaj 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 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 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
Yes, SIPs in low-risk funds may provide relative stability and potentially stable returns in the long run. However, it is important to note that mutual fund investments are subject to market risks.
The minimum investment amount for SIP depends on fund house and the type of scheme chosen. Investors may start with as low as ₹500 per month.
Yes, units may be redeemed anytime, though long-term investment may offer potential growth.
Deciding on the frequency of your investments may be a totally individual choice. Overall, investments can be made monthly, quarterly, or as preferred.
Certain schemes like ELSS offer tax deductions under Section 80C, but no exclusive senior citizen benefits exist.
While making a choice on what works for you may consider factors like risk profile, fund type, past performance, and investment horizon before choosing.
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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 AMC, we endeavour to combine the best of these edges.
