Bajaj Allianz Life Dynamic Asset Allocation Fund

Bajaj Allianz Life Dynamic Asset Allocation Fund is a newly launched NFO (New Fund Offering) under the ULIP (Unit Linked Insurance Plan) segment. This hybrid fund dynamically invests in the mix of equity assets, bonds, and money market instruments. The fund manager optimizes the returns while managing the market risks effectively. This NFO can be  an ideal investment for you to get 100% capital guarantee on the invested amount along with the market-linked growth potential on your investment. The NFO for this fund is open for subscription until September 25, 2023.

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What is Bajaj Allianz Life Dynamic Asset Allocation Fund?

Bajaj Allianz Life Dynamic Asset Allocation Fund is a balanced fund that invests in a mix of securities and bond assets. The fund manager of Bajaj Allianz Life Dynamic Asset Allocation Fund regularly adjusts the asset allocation between these two asset classes based on a quantitative model of the market cycle and limited qualitative inputs. 

You can purchase this fund at a lower NAV of Rs. 10 during the NFO period between 01 September to 25 September.

This Dynamic Asset Allocation Fund is available under the various investment plans of Bajaj Allianz Life, like:

  • Signature 

  • LongLife Goal

  • Capital Guarantee Solution Plan

  • Invest Protect Goal

  • Smart Wealth Goal II

Investment Strategy under Bajaj Allianz Life Dynamic Asset Allocation Funds: 

  • This fund can invest anywhere between 10% to 90% in equity assets.

  • When the market is going up, the Fund Manager will invest more in equity assets, and when the market is going down, the fund manager will invest more in bonds/debt instruments.

  • This helps to reduce market volatility and preserve returns.

  • The Fund Manager rebalances the asset allocation on a monthly basis.

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Highlights of Bajaj Allianz Life Dynamic Asset Allocation Fund

  • Investment Objective: To generate a steady stream of income and capital appreciation with allocation of assets between fixed income and equity securities in a flexible way, based on the outlook for each asset class.

  • Investment Strategy: Dynamic asset allocation strategy

  • Benchmark Index: CRISIL Dynamic Asset Allocation Index (Equity Assets: 45%; Debt Assets: 45%; and Liquid Assets: 10%)

  • Risk profile: High risk

  • NFO Starts On: 01 September 2023

  • NFO Ends On: 25 September 2023

  • Current NAV: Rs. 10 (as of 05 September 2023)

  • Minimum Investment: Rs. 1,800 per month if you choose Bajaj Allianz Capital Guarantee Plan

  • Asset Allocation: 

    • Equity Assets: 0 - 90% 

    • Debt & Debt-related Instruments: 0 - 90% 

    • Money Market Instruments: 0 - 80%

  • Taxation: 

    • Tax deductions under Section 80C of the Income Tax Act, 1961 on the investments made in the plans that offer Bajaj Allianz Life Dynamic Asset Allocation Fund. 

    • Tax benefits under Section 10(10D) of the IT Act, 1961 on the maturity amount if you invest up to Rs. 2.5 lakhs per annum in this fund. These benefits are subject to change as per the tax laws.

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Benefits of Bajaj Allianz Life Dynamic Asset Allocation Fund

You can avail of the following benefits by investing in the Bajaj Allianz Life Dynamic Asset Allocation Fund:

  • Dynamic Fund Switching: You do not have to worry about when to switch from equity to debt and vice versa. Asset allocation will be done automatically based on a quantitative model and the market cycle.

  • Diversification: The asset allocation portfolio of the Bajaj Allianz Life Dynamic Asset Allocation Fund is diversified across various asset classes and sectors, reducing the risk associated with investing in a single asset class.

  • Risk Management: This fund will help you to reduce volatility and generate returns. During periods of market volatility, the fund manager will allocate a larger portion of assets to debt instruments to provide stability, and increase exposure to equities during bullish phases to seek higher returns.

  • Long-term Growth Potential: This dynamic asset allocation fund is a good investment option for long-term capital appreciation. By participating in the equity markets, it has the potential to deliver higher returns over the long run compared to traditional fixed-income investments.

  • Professional Management: Bajaj Allianz Life Dynamic Advantage Fund is managed by experienced professionals who make strategic investment decisions based on their market expertise and analysis.

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About Bajaj Allianz Life Insurance Company

Bajaj Allianz Life Insurance Company Limited is a joint venture between Bajaj Finserv Limited and Allianz SE, one of the world's leading insurers. The company was founded in 2001 and is headquartered in Pune, Maharashtra.

Bajaj Allianz Life Insurance offers a wide range of life insurance products, including term insurance, endowment plans, money back plans, and Unit Linked Insurance Plans (ULIPs). The company also offers health insurance, pension plans, and other financial products. Bajaj Allianz Life Insurance Company has a high solvency ratio and has been rated as a "AAA" (stable) by CRISIL.

Now, let us  check the historical performance of the insurance company in various asset classes before deciding to invest in this new NFO.

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Performance of Newly Launched Funds by Bajaj Allianz Life Insurance

Fund Name Date of Inception Returns Since Inception (RSI)* Current NAV (in Rs.)
Flexi Cap Fund May 2022 19.9% 12.12
Small Cap Fund May 2023 20.3% 12.58

*RSI as on 31 August 2023 in the last 1 year.

Why Should You Choose Bajaj Allianz Life Insurance Company?

  • As of March 31, 2023, Bajaj Allianz Life had an AUM of Rs. 90,584 crores.

  • The solvency ratio of the insurance company was 516% as of March 31, 2023.

  • A high solvency ratio means that it is financially stable and can easily meet its long-term obligations.

  • In its flagship product, Bajaj Allianz Goal Assure, the life cover charges will be returned along with the fund value at maturity, making the life cover essentially free.

Now let us understand the prospects of a Bajaj Allianz Allocation Fund for our investment purpose.

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Is Dynamic Asset Allocation Fund a Smart Investment?

A dynamic asset allocation fund can be a smart investment for you as a way to reduce risk and volatility while still seeking growth potential.

These funds invest in a mix of equity and debt instruments, and the asset allocation between these two asset classes is adjusted over time based on market conditions. 

This can help to smooth out the returns of the fund and reduce the chances of large losses.

However, whether or not a dynamic asset allocation fund is a smart investment for you will depend on your individual circumstances and risk tolerance. Therefore, it is important to do your research and understand the risks involved before investing.

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People Also Read: Bajaj Allianz Life Midcap Index Fund NFO

Benefits of Purchasing Bajaj Allianz Life Dynamic Asset Allocation Fund from Policybazaar

The key benefits of investing in Bajaj Allianz NFO through Policybazaar are as follows:

  • Convenience: You have the convenience of investing in the NFO online through Policybazaar, eliminating the need to make a physical visit to a bank or insurance agent.

  • Comparison: Policybazaar offers the ability to compare various plans featuring new funds before making your investment. This allows you to ensure that you are securing the best deal available.

  • Expert Guidance: The team of financial experts at Policybazaar is available to assist you in selecting the ideal NFO plan to suit your specific requirements and financial goals.

  • Tax Advantages: Your investment in the NFO also makes you eligible for tax benefits. Policybazaar assists you in comprehending these potential advantages.

  • Easy Redemption: You can easily redeem the NFO investment through Policybazaar at your convenience, subject to the terms and conditions specified in the NFO agreement.

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How to Buy Bajaj Allianz Life Dynamic Asset Allocation Fund from Policybazaar?

You must follow the steps mentioned below to purchase the Bajaj Allianz Life Dynamic Allocation Fund NFO from Policybazaar:

Step 1: Go to the Policybazaar website or app. Log into your account or create one if you don't have an account.

Step 2: Fill in your name, city, age, and contact numbers in the given form to check the personalized benefits of the plans.

Step 3: Select from the following Bajaj Allianz Life Plans as per your need:

  • Bajaj Allianz Life Signature 

  • Bajaj Allianz Life LongLife Goal

  • Bajaj Allianz Life Capital Guarantee Solution Plan

  • Bajaj Allianz Life Invest Protect Goal

  • Bajaj Allianz Life Smart Wealth Goal II

Step 4:  To take advantage of the Dynamic Asset Allocation Fund click on the “Get Details” tab.

Step 5: Check the details of the plan carefully and click on “Proceed” by following the prompts displayed on the screen to finalize your purchase.

Step 6: Enter the essential details, deposit the amount you want to invest and select the mode of payment.

Step 7: Provide your KYC details and complete the payment.

Step 8: Upon successful payment, you'll receive confirmation of your purchase.

FAQ's on Bajaj Allianz Life Dynamic Asset Allocation Fund

  • What is Bajaj Allianz Life Dynamic Asset Allocation Fund?

    Bajaj Allianz Life Dynamic Asset Allocation Fund is a newly launched New Fund Offer (NFO) under market-linked investment plans, like LongLife Goal Plan, Invest Protect Goal Plan, Smart Wealth Goal II Plan, and Capital Guarantee Solution Plan. This fund uses a dynamic asset allocation strategy to adjust the asset allocation between equity and debt instruments based on market conditions.
  • Is it good to invest in Bajaj Allianz Life Dynamic Asset Allocation Fund?

    Whether or not it is good to invest in the Bajaj Allianz Life Dynamic Asset Allocation Fund depends on your individual circumstances and risk tolerance. The fund is a dynamic asset allocation fund, which means that the asset allocation between equity and debt securities is adjusted based on the outlook for each of these asset classes. This can help to reduce your investment risk and volatility, but it also means that the fund's returns may not be as high as a fund that invests solely in equities.
  • What is an example of a dynamic asset allocation strategy?

    Bajaj Allianz Life Dynamic Asset Allocation Fund is an example of a dynamic asset allocation strategy.
  • Are dynamic asset allocation funds safe?

    Yes, investing in a dynamic asset allocation fund is safe depending on the skill of the fund manager, the underlying securities of the fund, and the market conditions.
  • What are the returns of various fund classes of Bajaj Allianz Life Insurance Company?

    Following are the returns of various fund classes of Bajaj Allianz Life Insurance Company:
    • The Flexi Cap Fund was launched in May 2022 and has generated a return of 20.7% since inception. The current NAV of the fund is Rs. 12.12.
    • The Small Cap Fund was launched in May 2023 and has generated a return of 23.3% since inception. The current NAV of the fund is Rs. 12.58.
    • The Accelerator Mid-Cap Fund II is offering 10-year annualized returns of 19.9% as of 05 September 2023. The current NAV of the fund is Rs. 59.7.
    • The Pure Stock Fund is offering 10-year annualized returns of 16.9% as of 05 September 2023. The current NAV of the fund is Rs. 113.7.
  • What is the tax benefit on Bajaj Allianz Life dynamic asset allocation fund?

    You can avail of tax benefits under Section 80C and Section 10(10D) of the IT Act, 1961 on your investments and maturity returns in the Bajaj Allianz dynamic asset allocation fund. The tax benefits under Section 10(10D) are on maturity amount for investments made up to Rs. 2.5 lakhs per year and are subject to change as per tax laws.
  • What are the advantages of investing in Bajaj Allianz Life Dynamic Advantage fund?

    The advantages of investing in Bajaj Allianz Life Dynamic Advantage Fund is its ability to provide potential growth of your investments while also offering a level of flexibility. The fund also provides you with  tax deductions of up to Rs. 1.5 lakhs on investment amount under Section 80C of the Income Tax Act, 1961. You can avail of tax benefits under Section 10(10D) of the IT Act, 1961 if the investment amount is below Rs. 2.5 lakhs per annum.
  • What is the difference between hybrid and dynamic asset allocation funds?

    The primary difference between a hybrid asset allocation fund and dynamic asset allocation fund lies in the approach to asset allocation. 

    Hybrid funds have a fixed allocation mix, offering stability, while dynamic asset allocation funds actively manage their portfolio allocation, providing flexibility to respond to changing market conditions. 

    The choice between the two depends on an investor's risk tolerance, investment horizon, and whether they prefer a more hands-on or stable approach to managing their investments.

*Past 10 Year annualised returns as on 01-02-2024
*All savings plans are provided by the insurer as per the IRDAI approved insurance plan. Tax benefit is subject to changes in tax laws. Standard T&C Apply
^10(10D) Tax benefit are for Investments made up to Rs.2.5 L/ yr and are subject to change as per tax laws.
~Policy issuance to happen on 26th October if all requirements are completed by 25th October
#The lumpsum benefit is calculated if policyholder invested ₹10000 monthly for 10 years in the fund with a policy term of 20 years. This Point To Point past performance data of last 10 years has been used to illustrate a scenario for the customers benefit. It is assumed that the past 10 years returns would have also been delivered in last 20 years. This is not guaranteed and not in anyway indicative of what the customer may actually get 20 years from now. The investment is subject to market risk and the risk is borne by the policyholder.

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