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Fashion Value Chain
5 days ago
- Business
- Fashion Value Chain
NFO ending soon: How Bajaj Finserv Equity Savings Fund can adapt to different market cycles
Markets don't move in a straight line. Some days they rally. On others, they slide. And sometimes, they move sideways – neither rising nor falling sharply. The New Fund Offer period ends on August 11, 2025 A strategy that can adapt to and leverage different market conditions can be a suitable addition to a portfolio. Enter the Bajaj Finserv Equity Savings Fund, a hybrid fund that combines equity, debt, and arbitrage strategies in a way that aims to respond to each phase of the market. The scheme's New Fund Offer period began on July 28, 2025, and ends on August 11, 2025. Read on to find out more about how the Bajaj Finserv Equity Savings Fund seeks to navigate fluctuations in the market and how you can invest. Sideways markets: Arbitrage opportunities A sideways market is when stock prices move within a narrow range without a clear upward or downward trend. It usually reflects market uncertainty, where investors are waiting for stronger signals before making significant moves. In this phase, returns from equities may not be high. This is where arbitrage and debt benefit a portfolio. In a sideways market: Arbitrage strategies can capture small and brief pricing gaps between two markets (eg: the cash and future markets). Multiple small spreads can potentially add up to reasonable returns when managed strategically. Debt instruments can offer relatively stable returns through interest income and act as a buffer against volatility. The Bajaj Finserv Equity Savings Fund may increase allocation to these components when the market lacks clear direction (within regulatory limits and as per allocation pattern mentioned in the Scheme Information Document). Bull market: Potential for upside When markets rise, the value of stocks can increase on the back of earnings expansion, economic momentum, and investor optimism. In such conditions, the equity component of the portfolio can potentially capture upside opportunities. The fund's equity allocation, selected using a GARP (Growth at Reasonable Price) approach, can help the portfolio participate in this upward trend. While the equity exposure is modest, it can allow investors to tap into growth potential during rallies while aiming to reduce downside risk compared to traditional equity funds. This equity component will range between 10% to 40% of the portfolio in normal circumstances. Bear market: A defensive approach. Downturns can test an investor's resolve, but they also highlight the importance of balance. In falling markets, when equities may decline in value, the fund's moderate net equity exposure can result in lesser drawdowns. Meanwhile, the debt portion can act as a cushion against volatility, while the arbitrage component has the potential to capitalise on brief price differences. Favourable tax treatment Apart from managing market fluctuations, the portfolio is also planned to be tax efficient. By combining equity, debt, and arbitrage, it offers a blend that may potentially lead to better post-tax outcomes, particularly for investors in higher tax brackets. The fund seeks to do that by maintaining above 65% allocation to equities (including arbitrage), so that it can qualify as an equity-oriented fund for tax purposes. The tax structure is as follows: Short-term capital gains (levied on units held for less than a year): 20% Long-term capital gains tax (on units held for more than a year): Gains of up to Rs. 1.25 lakh are tax-exempt; thereon, the rate is 12.5%. Alternative assets: An added layer of diversification This hybrid fund aims to offer an additional layer of diversification through its strategic allocation to REITs and InvITs. These are alternative instruments are backed by real assets like commercial properties or infrastructure and offer the potential for capital appreciation and relatively stable asset-backed income. Who is the fund suitable for Bajaj Finserv Equity Savings Fund may be considered by: Investors looking for lower volatility options with liquidity Those who want reduced risk but with some exposure to upside Those seeking an option to park funds to deploy later People exploring alternatives to traditional savings plans or fixed deposits*. *Returns on fixed deposits are fixed, however, returns on mutual funds are subject to market risks. How to invest in the Bajaj Finserv Equity Savings Fund You can invest in the Bajaj Finserv Equity Savings Fund either directly with Bajaj Finserv AMC under the direct plan or through a registered mutual fund distributor under the regular plan. You can invest online or offline, through the following modes: By visiting or the nearest Bajaj Finserv AMC official point of acceptance (OPAT). Through KFintech, a registrar and transfer agent Through a demat account Through aggregator platforms Through MF Utility. Units will be available at an offer price of Rs. 10 per unit during the NFO period (ending August 11, 2025). The fund will reopen for subscription within five business days of allotment date and units will then be available at the applicable Net Asset Value. Investments start at Rs. 500 for lumpsum and Systematic Investment Plan (minimum 6 instalments). Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Business Standard
21-07-2025
- Business
- Business Standard
Tips to Invest in Mutual Funds
VMPL New Delhi [India], July 21: Starting small with mutual fund investments may help individuals build financial discipline. It could support long-term planning for future goals. Many Indian investors usually begin with monthly online SIP mutual fund options. These plans allow easy tracking and regular contributions. This article explains a few simple and helpful tips that may help individuals have a seamless mutual fund investment experience. Tips to Know While Investing in Mutual Funds Understanding a few key things may make your mutual fund investments smoother and you may be able to make an informed decision. Start Early in Your Investment Starting early in mutual funds may provide a longer investment horizon. This approach often helps individuals spread the impact of market fluctuations over time. A longer period also usually gives more scope for structured planning. Early investment could make budgeting and tracking easier. It allows the fund to grow steadily through consistent contributions. Know Your Financial Goals Before investing, it may help to define your short-term and long-term goals. A clear goal gives direction to your investment strategy. It often helps choose the appropriate type of mutual fund. For example, someone saving for higher education may pick different schemes than someone planning for retirement. Understanding your purpose could support informed fund selection. Understand Different Types of Mutual Funds There are different types of mutual funds, such as equity, debt, and hybrid. Each serves different investment purposes. Equity funds typically invest in stocks, while debt funds focus on fixed-income assets. Hybrid funds offer a mix of both debt and equity. Learning about these categories may help you choose wisely. Reading product details on trusted platforms, such as official financial institutions, could be useful while planning your investment. Assess Risk Before You Invest Mutual funds come with different risk levels, and understanding your risk tolerance is important. If you prefer stable performance, then you may consider debt funds, as they are usually less volatile than other funds. Equity funds often experience more price fluctuations over time compared to other funds. Evaluating your risk appetite in advance, may help to assess how much change you are comfortable with. This step could support long-term patience and keep you prepared to manage changes during market shifts. Invest Consistently with Online SIP Mutual Funds Systematic Investment Plans (SIPs) is to invest fixed amounts regularly. This habit usually supports long-term discipline. Using an online SIP mutual fund may offer flexibility and ease of use. Monthly contributions through SIPs make investing simple and structured. Regular investments often develop a routine and financial discipline into the investor's financial planning. Read the Fund Document Carefully Each mutual fund comes with a document called the Scheme Information Document (SID). It usually explains the fund's objectives, risk factors, and fees. Reading this may help you understand mutual funds and make well-informed decisions. The SID also outlines the portfolio manager's strategy. It may give clarity about where the fund typically invests. Evaluate Fund Performance While past performance may not ensure future outcomes, reviewing it may give an idea of how the fund typically performs. It usually provides insights into how the fund reacted to previous market conditions. However, this information should not be the only factor in decision-making. Evaluating fund performance usually becomes more helpful when the fund is compared with other similar types of mutual funds. Be Patient and Think Long-Term Mutual fund investments may show changes in value over short periods. These movements are often temporary. Being patient and having a long-term approach usually allows the fund to deliver the intended performance. Immediate reactions often create uncertainty, while patience generally increases the likelihood of achieving desired outcomes. Many individuals prefer SIPs because they promote regular and long-term contributions. Being patient and having a long-term approach may also help build steady financial habits. Keep Track of Your Investments Tracking your investments regularly may help you understand how your funds are performing. Reviewing your portfolio often shows whether it aligns with your goals. It also keeps you informed about any major changes in the scheme. Several platforms offer digital statements and updates, making it easier. Using these features could support more informed and timely planning for any adjustments. Diversify Your Mutual Fund Portfolio Diversification means spreading your investment across different types of funds. It usually helps in balancing the overall risk. For example, combining equity and debt funds may reduce the effect of market fluctuations. A well-diversified mutual fund portfolio may offer a more stable experience. Conclusion Getting started with mutual funds is usually simple when done with a thoughtful and systematic approach. With support from regulated platforms, investors can begin with clear information and well-organised services. Starting early, staying consistent, and keeping track of investments may support individuals in planning effectively for future. Beginners who explore online SIP mutual fund options often find it manageable and flexible. Always ensure your financial plans are in line with your needs and goals.
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Business Standard
09-07-2025
- Business
- Business Standard
Franklin launches India Multi Asset Allocation Fund; check key details here
Franklin India Multi Asset Allocation Fund: Franklin Templeton (India) is set to launch its Franklin India Multi Asset Allocation Fund, an open-ended multi asset allocation fund investing in equity, debt and commodities. The fund will aim to generate long-term capital appreciation by investing in equities with a blend of growth and value strategies across large, mid and small cap segments, complemented by allocations to debt, money market instruments, and commodities. The new fund offer (NFO) will open on July 11, 2025 and close on July 25, 2025. According to the scheme information document (SID), the scheme aims to generate long-term capital appreciation by investing in equity and equity-related instruments, debt, money market instruments and commodities. However, there can be no assurance that the investment objective of the scheme will be achieved. Avinash Satwalekar, president at Franklin Templeton (India), said, "The launch of this fund reflects our commitment to understanding our clients' priorities, goals and challenges – and delivering solutions that are aligned with their long-term financial objectives. FIMAAF adopts a flexible allocation strategy that is designed with an aim to leverage the distinct risk-return profile of equities, fixed income, and commodities. In the current volatile environment, where equity valuations are elevated and bond yields are stabilising, a portfolio combining these asset classes with commodities like gold can deliver superior risk-adjusted returns.' He further added, 'We strongly believe that FIMAAF, guided by our proprietary global model integrating macroeconomic indicators with qualitative insights from our portfolio managers, can offer a compelling investment solution for our clients." According to the Scheme Information Document (SID), the performance of the scheme will be benchmarked against the Nifty 500 index (65 per cent), Nifty Short Duration Index (20 per cent), Domestic price of gold (5 per cent), Domestic price of silver (5 per cent), and iCOMDEX composite index (5 per cent). During the NFO, investors can invest a minimum of ₹5,000 and an additional purchase of ₹1,000 for subscription. Through a Systematic Investment Plan (SIP), the minimum investment amount is ₹500. According to SID, up to 10 per cent of the units can be redeemed without any exit load within one year from the date of allotment. However, any redemption in excess of the above limit shall be subject to a 0.50 per cent exit load if redeemed on or before 1 year from the date of allotment. No exit load will be charged if redeemed after one year from the date of allotment. Janakiraman Rengaraju, Rajasa K, Rohan Maru, Pallab Roy, and Sandeep Manam are the dedicated fund managers for the scheme. Franklin India Multi Asset Allocation Fund: Who should invest? According to the SID, the scheme is suitable for investors seeking long-term capital appreciation and investment in equity, debt and commodities. However, investor should consult their financial advisors if in doubt about whether the product is suitable.
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Business Standard
08-07-2025
- Business
- Business Standard
NFO Alert! Bandhan MF launches Multi-Factor Fund; check key details here
Bandhan Multi-Factor Fund: Bandhan Mutual Fund has launched the Bandhan Multi-Factor Fund, an open-ended equity scheme investing based on adaptive and evolving multi-factor quantitative model theme. The new fund offer (NFO) will open on Thursday, July 10, 2025 and close on Thursday, July 24, 2025. This multi-factor fund offers a diversified exposure by blending four time-tested investment factors including Momentum, Value, Quality, and Low Volatility into a single portfolio. According to the Scheme Information Document (SID), the performance of the scheme will be benchmarked against the BSE 200 Total Return Index. The portfolio is constructed from the top 250 large and mid-cap companies, using a data-driven approach based on four key factors. After scoring and shortlisting, around 50-65 stocks are selected within a defined risk management framework. Vishal Kapoor, chief executive officer at Bandhan AMC, said that as markets become increasingly dynamic, investors need strategies that can adapt and remain resilient through cycles. Multi-factor investing has emerged as a compelling equity strategy, especially in a market where no single factor consistently leads across all conditions. "Momentum tends to perform well in bull markets, value during recoveries, quality in slowdowns, and low volatility in uncertain phases. By combining these factors, the Bandhan Multi-Factor Fund aims to reduce reliance on any one factor and enhance overall risk-adjusted returns,' he added. During the NFO, investors can invest a minimum of ₹1,000 and in multiples of ₹1 thereafter. Through a Systematic Investment Plan (SIP), the minimum investment amount is ₹100 and can be increased in multiples of ₹1 thereafter, with a minimum of 6 installments required. According to the SID, if units are redeemed or switched out on or within 30 days from the date of allotment a 0.5 per cent of the Net Asset Value (NAV) will be charged as exit load. However, no exit load will be charged if units are redeemed or switched out after 30 days from the date of allotment. Rishi Sharma and Brijesh Shah are the designated fund managers for the scheme. Bandhan Multi-Factor Fund: Who should invest? According to the SID, the fund is suitable for investors seeking long-term wealth creation and investment in equity and equity related instruments based on an adaptive and evolving multi-factor quantitative model. The fund is well-suited for investors seeking to move beyond traditional equity styles and adopt a more structured, data-driven approach to long-term equity investing. However, investors should consult their financial advisors if in doubt about whether the product is suitable for them.
Time of India
30-06-2025
- Business
- Time of India
NFO Alert: JioBlackRock Money Market Fund opens today, offers low interest rate risk and moderate credit risk
Jio BlackRock Mutual Fund has launched the Jio BlackRock Money Market Fund, and the NFO of the fund is open for subscription until July 2. The investment objective of the scheme is to generate regular income through investment in a portfolio comprising money market instruments with a residual maturity of up to one year. The fund is an open-ended debt scheme investing in money market instruments, with relatively low interest rate risk and moderate credit risk. Also Read | JioBlackRock Liquid Fund NFO to open on June 30. A safe bet for regular income? Best MF to invest Looking for the best mutual funds to invest? Here are our recommendations. View Details » by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like War Thunder - Register now for free and play against over 75 Million real Players War Thunder Play Now Undo The scheme is suitable for investors seeking regular income over the short term and who want to generate income by investing in money market instruments, according to the Scheme Information Document (SID) of the fund. The scheme will be benchmarked against the NIFTY Money Market Index A-I and will be managed by Vikrant Mehta, Arun Ramachandran, and Siddharth Deb. Live Events Also Read | JioBlackRock Mutual Fund announces launch of investment management platform Aladdin The scheme will offer only direct plans and will provide solely a growth option. The minimum application amount for lump sum investment is Rs 500 and any amount thereafter. The minimum amount for switch-in to the scheme is Rs 500, and any amount thereafter. The minimum amount for weekly, monthly, and quarterly Systematic Investment Plans (SIPs) is Rs 500 and in multiples of Re 1 thereafter, with a minimum of six installments each. The exit load on this money market fund is nil. Investors may avail themselves of the SIP Top-up facility, which allows them to increase their SIP installments at predefined intervals. This feature enhances investors' flexibility to invest higher amounts during the SIP tenure. Investors can use the Top-up facility to increase their SIP installment amount by a minimum of Rs 50 and in multiples of Rs 50. Alternatively, they can opt to increase the SIP installment amount by 10% and in multiples of 5%. The scheme will allocate 0–100% to money market instruments having a residual maturity of up to one year. The investment strategy aims to generate regular returns through a portfolio of money market instruments, seeking to capture term and credit spreads. The scheme will endeavor to develop a well-diversified portfolio of money market instruments. Every investment opportunity in money market instruments will be assessed for credit risk, interest rate risk, liquidity risk, derivatives risk, and concentration risk, according to the Scheme Information Document (SID) of the fund. The principal invested in the scheme will carry low to moderate risk, as indicated by the scheme's riskometer. Also Read | JioBlackRock Mutual Fund launches website, unveils leadership team and early access initiative According to a release by ICRA , the provisional rating assigned to the fund is [ICRA]A1+mfs. The rating agency further mentioned that as the scheme is launching, the provisional rating is based on the indicative/allocated portfolio of the scheme with the credit score being comfortable at the assigned rating level. The provisional rating for the JioBlackRock Money Market Fund will be finalised upon the launch of the scheme, and analysis of the credit score of the scheme for at least three months, post launch, and its meeting the benchmark score for the assigned rating, the ICRA release said. In addition to the JioBlackRock Money Market Fund, the fund house is also launching an overnight fund and a liquid fund as well. The new fund offer (NFO) of overnight fund and liquid fund are open for subscription now and will close on July 2. ICRA has assigned [ICRA]A1+mfs rating to the JioBlackRock Liquid Fund and the JioBlackRock Overnight Fund as well. According to the Sebi mandate, money market funds make investment in money market instruments having maturity upto one year.
