We are upgrading our transaction portal and will be back soon.
Have you ever stopped to wonder why you should never put all your eggs in one basket? The answer is obvious. If you were to drop that basket, then all the eggs that you own would break resulting in a total loss. However, if you were to split your eggs among two or more baskets then even if you dropped one basket, your loss would be limited to only those eggs in that one basket. The eggs in the other baskets would be safe. Asset allocation in the investment world works in a similar manner. Just that the eggs are replaced by your money and the baskets are replaced by different asset classes.
Asset allocation is simply a method that helps investors to balance risk through diversifying their investment across multiple asset classes. This means that instead of investing all the money in a single asset class, investors can instead choose to invest their money across multiple asset classes.. Each asset class has a different level of risk and return and thus, behaves differently over time. Additionally, market conditions and factors that might have an adverse impact on one asset class might have little or no impact on another asset class. Consequently, factors that lead to one asset class outperforming during a given timeframe might cause another to underperform. The result is less portfolio volatility for investors since these, often opposite movements,might offset each other.
However, it is very difficult to predict which among the various asset classes will perform in the future. Asset allocation involves dividing an investment portfolio among different asset classes such as fixed income, stocks, commodities, real estate and cash, etc. The process of determining which mix of assets to hold in your portfolio is unique to each individual. It is ideally based on your financial goals, the time horizon in which you wish to achieve them and your risk tolerance level.
Time-Horizon - If your goals are long term in nature, you may be comfortable investing in a riskier or more volatile asset class like equities because you can wait out slow economic cycles and the numerous ups and downs of markets. However, if your time horizon is short, you are likely to assume lower risk.Generally, the younger you are, the more risk you can afford to take. As you grow older, you may be more interested in preserving your capital/savings since a large decline near your retirement may result in compromising your lifestyle.
Risk Tolerance - Risk tolerance is the degree of variability in investment returns that an investor is willing to withstand in their financial planningand is a major factor in deciding your asset allocation.
Return Requirement – the very purpose of an investment is to aim to generate returns that can help an investor meet his financial goals. There are some assets that have the potential to generate relatively higher returns albeit with higher levels of risk, while there are other assets that generate low to stable returns with low risk component. Portfolio allocations are largely contingent upon the returns that the portfolio is required to generate.
It is mandatory for all mutual fund investors to undergo a one-time KYC (Know Your Customer) process. For more info on KYC specifically on: the procedure for completing KYC, for changing address details, for changing contact details.
For changing bank details, visit barodabnpparibasmf.in/investor-centre/information-on-kyc
For more info on submitting a complaint or a grievance, visit https://www.barodabnpparibasmf.in/contact-us
Further, investors should ensure that they transact ONLY with SEBI Registered Mutual Funds listed under Intermediaries/Market Infrastructure Institutions on the SEBI website https://www.sebi.gov.in/intermediaries.html
An Investor Awareness Initiative.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
**basis portfolio of the Scheme as on March 31, 2024
*Investors should consult their financial advisers if in doubt about whether the product is suitable for them
**Basis constituents of the scheme as on March 31, 2024
*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.
*The PRC matrix denotes the maximum risk that the respective Scheme can take i.e. maximum interest rate risk (measured by MD of the Scheme) and maximum credit risk (measured by CRV of the Scheme)
Before going in deep, Let us understand you little bit better. And we will provide proper guidince accordingly.
Yes, Let's start from basic No, I want to continueYou will need the following:
Start investing with your I-PIN and password
Start investing without
an I-PIN
You will need the following:
You have chosen
Select Option
Choose update frequency
Disclaimer:
1. NAV of the selected fund will be sent on the next working day. For example NAV of Monday will be sent on Tuesday.
2. At a time, you are allowed to subscribe to at most 3 schemes for daily/weekly/monthly updates.
3. For daily alerts, the NAV of the selected scheme will be sent the next morning.
4. For weekly alerts, the NAV of the selected option will be sent every Monday morning.
5. For monthly alerts, the NAV of the last applicable date of the month will be sent on the 1st of the subsequent month.
6. The weekend NAVs of Liquid schemes will be sent on the subsequent Monday.
7. Receipt of the SMS alert is subject to validity of the mobile number and availability of network. Baroda BNP Paribas is not liable in case of either of these two being insufficient.
