Investing in the Bajaj Finserv Equity Savings Fund can yield potential profits due to its diversified equity portfolio.
New Bajaj Finserv Equity Savings Fund Offers Balanced Investment Opportunity
The Bajaj Finserv Equity Savings Fund, a new mutual fund scheme launched by Bajaj Finserv Asset Management Limited, presents an appealing option for investors seeking a balance between risk and return.
This hybrid mutual fund offers a moderate risk profile, with a minimum of 65% equity exposure, complemented by debt and arbitrage components to reduce volatility and draw risk-adjusted returns. This structure allows the fund to participate in equity market upswings while limiting downside risk during market corrections.
Compared to other mutual fund types, the Bajaj Finserv Equity Savings Fund offers moderate returns, better than pure debt funds and less than aggressive equity funds. Its key features include equity exposure cushioned by debt and arbitrage, and tax efficiency.
The fund's active management, use of equity hedging (arbitrage), and significant debt allocation aim to reduce overall risk compared to pure equity funds, especially during volatile or bear markets. At the same time, it aims to capture equity growth during bullish trends.
Over the past five years, the Bajaj Finserv Equity Savings Fund has demonstrated competitive returns, roughly around 30% (annualized), aligning well with equity-linked hybrid fund expectations. This suggests it offers a balance of growth and protection compared to pure equity funds, which are riskier but can have higher variability in returns.
The fund can be an attractive option for first-time mutual fund investors looking for a low-risk entry into equity funds, retired individuals wanting low volatility and relatively better returns than traditional investment options, and investors shifting out of equity and looking for a temporary but productive parking space. It is also suitable for investors who have exited the equity markets and are waiting to re-enter or have cash from a big withdrawal.
Investing in the Bajaj Finserv Equity Savings Fund can be done through a Systematic Investment Plan (SIP). Using an SIP calculator can help investors estimate how much their investment will grow over the years, depending on how much they invest and for how long.
The New Fund Offer of the Bajaj Finserv Equity Savings Fund opened on 28 July 2025 and will end on 11 August 2025. As always, specific suitability depends on individual risk tolerance and investment goals, so investors should consult a financial advisor before investing.
*Sources:*
- Bajaj Finserv Equity Savings Fund - Overview
- Bajaj Finserv Equity Savings Fund - NFO
- Bajaj Finserv Equity Savings Fund - Performance
- Bajaj Finserv Equity Savings Fund - 5-Year Returns
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