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Mutual Fund Investment
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Benefits
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Overview
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Types of Mutual Fund
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Why Invest With BOB?
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Why SIP?
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Our MF Tie-Up Partners
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Mutual Fund Nomination
- Over long periods, diversified MF portfolios tend to provide better inflation adjusted returns
- MFs offer investors avenue to diversify across asset class as well as securities
- MFs are managed by qualified and professional fund management teams
- Most MFs are highly liquid unlike conventional investments
- MFs are strictly regulated by SEBI to protect investors interest
- ELSS funds offer tax benefit (under section 80C)
Mutual Fund Investment : Benefits
Helps in Long term Wealth creation
Diversification
Professional management
Liquid
Well regulated
Tax Benefit
Mutual Fund Investment : Overview
What is Mutual Fund?
Mutual funds pool money from several investors and invest across asset classes like Equity, Debt or Gold in-line with stated investment objectives.
Do you have financial goals which you want fulfilled but need professional help to achieve the same? Do you want to invest in stocks, but are apprehensive of the stock markets and their volatility? Do you want to achieve financial freedom, but not sure of which assets to own in the long term? Is Tax saving a priority but selecting the right tax-saving solution confusing?
Investing in Mutual Funds is the solution to all such financial questions. Mutual Funds offer inflation-beating and tax-efficient returns in the long term, are liquid instruments and offer you complete control over your money and freedom to invest as per your specific needs. Investors can invest across varied asset classes such as equity, debt or gold as per their risk/return profile.
As an esteemed Bank of Baroda customer, we have made it seamless for you to invest in top performing mutual funds across different fund categories such as Equity Funds which offer long term wealth creation, Debt fund which offer stability to your portfolio, Tax Saving funds, Balanced Funds and Liquid and Short-term funds for short term requirements amongst others. You can invest securely and digitally through your internet banking account or the BOB World Mobile app, in just a few clicks.
Mutual Fund Investment : Types of Mutual Fund
Equity Mutual Fund
- Invest primarily in Equity & Equity related securities
- Could be volatile in the short term but tends to perform well over longer horizon
- Suitable for Investors with high risk appetite & long investment horizon
Debt Mutual Fund
- Invests primarily in Debt Securities such as Corporate bonds, Government securities, money market instruments etc.
- Less volatile than Equity & Hybrid funds
- Suitable for risk averse investors
Hybrid Mutual Fund
- Invests in mix of Equity & Debt securities as per the investment objectives of the fund
- Risk-return matrix is between equity & debt funds
- Suitable for investors who want to participate in Equity markets but do not want much risk
Index Funds
- Index funds replicate a particular index such as Nifty 50, Sensex or a particular sectoral index such as Banking, Consumption etc
- Return from the index tends to mirror the index which it is replicating
- It is a passive investment strategy as fund managers do take active calls
Solution Oriented Funds
- Solution oriented funds are aimed at a specific purpose such as retirement planning & children's education
- They generally invest in either only equity or a mix of Equity & Debt
- They are open ended funds but have a lock-in period
Liquid Funds
- Liquid funds Invest in securities having a maturity of 91 days
- They are highly liquid and contain very low risk
- Investors tend to use liquid fund to park their surplus funds for emergency purposes
Mutual Fund Investment : Why Invest With BOB?
Why Invest with BOB ?
Mutual funds Sahi Hai. But selecting the right Mutual Funds which can help you meet your financial goals across a universe of ~ 1500 schemes is crucial. Whether your goal is long term capital appreciation, saving taxes through investments, meeting specific financial goals or parking funds for the short term, you will find the right solutions through Bank of Baroda.
Benefits of investing with BOB:
Dedicated Team To Manage Your Investments
- Benefit from the expertise of trained and experienced investment specialists who evaluate various investment options available and offer you the ones that are best suited to your needs
Baroda Investment Services Account
- Baroda investment services account allows you to invest across various investment products seamlessly
Curated Mutual Funds Shortlist
- Our teams study market dynamics as well as product composition, past returns and ratings to give you access to top performing funds
Fund Details, Ratings And More
- Get easy access to mutual fund details, past returns as well as ratings*
Consolidated Portfolio Statement
- consolidated portfolio statement reflects holdings across diverse mutual fund schemes and helps you track your portfolio in one view
^ terms and conditions apply
* MF ratings are supplied by morningstar and their terms & conditions may apply in this regard
Bank of Baroda - Investment Services Account
The investment services account gives you access to seamless platform which allows you to invest across a wide range of Mutual funds and other Investment products.
Key features of Bank of Baroda investment services account
- ‘Zero’ charges for opening or maintaining a Bank of Baroda investment services account
- Transact in top performing Mutual Funds through BOB World mobile application, Internet Banking or through a simple transaction request form.
- Invest systematically by setting up SIPs, STPs or Standing Instructions through any of the channels mentioned above.
- Get a consolidated view of your entire investment portfolio across multiple products and asset classes
- Track portfolio performance as well as individual fund level returns and other details
- Get access to Baroda Select - curated shortlist of funds.
- Get access to various reports, including Capital Gain/Loss Reports, transaction reports and more, through BOB World and internet banking.
Mutual Fund Investment : Why SIP?
What is SIP?
Systematic Investment Plan (SIP) is a mode of Investment through which you can invest a specific amount at regular intervals in a Mutual Fund. Making investments in a consistent way makes it easier to achieve your financial goals.
Why SIP might be best for you?
- Disciplined way of investment: As Investment amount is directly debited from Investors account and invested in a mutual fund, Investors emotional biases are kept at bay. Disciplined way of investment is imperative for long term wealth creation
- Small Ticket Size: Investors can invest via SIP with as low as Rs. 500 a month
- Benefit From power of Compounding
- Rupee Cost Averaging: Rupee cost averaging is a concept whereby the Investor gets more MF units when NAV’s are low and less units when NAV’s are high for the same amount invested due to market fluctuations. This leads to your purchasing costs getting averaged over a period of time. You need not worry about timing the market when investing via SIP as you benefit from rupee cost averaging.
Compounding is a simple but powerful concept especially in the long run. It is a process through which returns earned on the principle amount is reinvested so that the returns from the investment also start generating return. As shown in the above table, the investment Value goes on increasing based on the investment duration.
Option | Monthly SIP (Rs) |
Investment Duration (No. of Years) |
Investment Amount (Rs Lacs) |
Investment Value* (Rs Lacs) |
Gain (Rs Lacs) |
Multiple |
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A | 2000 | 40 | 9.6 Lac | 194.02 | 184.42 | 20.2x |
B | 2000 | 30 | 7.2 Lac | 61.04 | 53.84 | 8.5x |
C | 2000 | 20 | 4.8 Lac | 18.22 | 13.42 | 3.8x |
D | 2000 | 10 | 2.4 Lac | 4.44 | 2.04 | 1.8x |
*Rate of return is assumed to be 12% p.a. The table is only for illustration Purposes.
Mutual Fund Investment : Our MF Tie-Up Partners
- Baroda BNP Paribas Mutual Fund (Bank of Baroda Subsidiary)
- Motilal Oswal Asset Management Co Ltd.
- Aditya Birla Asset Management Company
- Franklin Templeton Mutual Fund
- IDFC Mutual Fund
- Kotak Mutual Fund
- Nippon India Mutual Fund
- SBI Mutual Fund
- Sundaram Mutual Fund
- UTI Mutual Fund
- Axis Mutual Fund
- Canara Robeco Mutual Fund
- DSP Mutual Fund
- Edelweiss AMC
- ICICI Prudential Asset Management Company Ltd
- Mirae Asset Management Co.
- HDFC Mutual Fund
- HSBC Mutual Fund
- Tata Mutual Fund
- LIC Mutual Fund
Mutual Fund Investment : Mutual Fund Nomination
- With a view to protect investor interest by offering “choice of nomination” to Mutual fund investors, SEBI, vide circular no SEBI/HO/MIRSD/POD-1/P/CIR/2023/193 dated 27th December 2023, has extended the last date for submission of “choice of nomination” for Mutual fund folios to 30th June, 2024. Failure on part of investors to submit "choice of nomination" in their folios may result in their debit transactions being frozen post 30th June 2024.
- Investors can seamlessly submit choice of nomination online by accessing the following links for their Mutual Fund investments with respective Registrar and Transfer Agents.
- CAMS :https://digital.camsonline.com/changeofnomination
- KFin Technologies : https://mfs.kfintech.com/investor/General/NCTNomineeUpdation
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What is a Mutual Fund?
Mutual fund is a mechanism for pooling money by issuing units to the investors and investing funds in securities in accordance with objectives as disclosed in offer document.
Investments in securities are spread across a wide cross-section of industries and sectors and thus the risk is diversified because all stocks may not move in the same direction in the same proportion at the same time. Mutual funds issue units to the investors in accordance with quantum of money invested by them. Investors of mutual funds are known as unitholders.
The profits or losses are shared by investors in proportion to their investments. Mutual funds normally come out with a number of schemes which are launched from time to time with different investment objectives. A mutual fund is required to be registered with Securities and Exchange Board of India (SEBI) before it can collect funds from the public.
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What is Net Asset Value (NAV) of a scheme?
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What are the different types of mutual fund schemes
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What is sector specific funds/schemes?
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What are Tax Saving Schemes?
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What is a Fund of Funds (FoF) scheme?
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What are Exchange Traded Funds (ETFs)?
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What is a capital protection-oriented scheme?
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What is NFO?
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What is sale and repurchase/redemption price?
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What is expense ratio?
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What is a consolidated account statement (CAS)?
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What is a Systematic Investment Plan (SIP)?
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What is Rupee Cost Averaging?
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What is a Systematic Withdrawal Plan (SWP)?
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What is a Systematic Transfer Plan (STP)?
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Taxation on Mutual Fund Redemptions:
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Can non-resident Indians (NRIs) invest in mutual funds?
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What should investors look into an offer document?
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When will the investors get certificate or statement of account after investing in a mutual fund?
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What is PMS?
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Who is portfolio Managers?
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What is discretionary & non-discretionary portfolio management service?
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What is minimum investment/Ticket size for PMS?
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Can NRI invest in PMS?
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Is partial Withdrawal allowed in PMS?
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What fees can a portfolio manager charge from its clients for the services rendered by him?
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On what basis is the performance of the portfolio manager calculated?
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What kind of reports can the client expect from the portfolio manager?
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What are the rules governing services of a Portfolio Manager?
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Can a Portfolio Manager impose a lock-in on the investor?
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What is the difference between PMS & MF?