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Don't Know Where To Invest Your Money?

What is asset allocation & how it is determined explained in one simple article

Wondering Where To Invest Money? Know Asset Allocation

What is Asset Allocation?


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June 12, 2017

By : Bajaj Allianz Life

The most important determinant of an investor’s long run investment results is Asset Allocation, which is the composition of assets in his / her portfolio.

In any financial planning process, arriving at an appropriate asset allocation is the most important decision variable. In the asset mix, there are likely to be assets which have higher rewards and higher risk such as equities and assets which have lower rewards and lower risk such as government bonds.

Asset allocation is primarily determined by two factors:

(A) Risk tolerance
Risk tolerance is the ability to tolerate either a temporary or a (less likely) permanent fall, in the value of investment. Investors who do not have the ability to tolerate fall in value of investment from time to time should restrict their exposure to riskier asset classes, such as equities.

(B) Investment horizon
Investors with a long investment horizon, such as people who have substantial working life ahead and who have limited financial liabilities, should take exposure to high level of equities in their overall asset allocation. The prime reason being that these investors/ policy holders who have a long investment horizon would be able to regain from any short term equity market volatility as equity market returns would get normalized in the long term.

To enable customers like you to choose the asset allocation, our unit linked policies come with a suite of funds which range from equity funds to pure debt funds and also balanced funds to address the requirements of policy holders with varied risk appetite and investment horizon.

Refer the table below for details of these funds

 

Equity Funds

Balanced Funds

Debt Funds

Suitable for

Young individuals who are in the investment phase for their long-term goals

Those in the middle stage of the investment phase or the last few years of their working life

Those who are retired or close to retirement and for whom protection of savings is the priority

Risk-Reward Profile

High risk - High return

Medium risk - Medium return

Low risk - Low return

Investment Profile

Shares or equity of companies, prone to the volatility in equity markets

Shares and fixed income securities in diffrent but pre- defined proportiions

Corporate bonds or government bonds

Disclaimer
The information being provided under this section ‘Investor Education’ is for the sole purpose of creating awareness about Life Insurance and for their understanding, in general. The views being expressed only constitute opinions and therefore cannot be considered as guidelines, recommendations or as a professional guide for the readers. Many of the statements and assertions contained in this section merely reflect the views, opinions & belief of the individual writers and therefore BALIC does not in any manner guarantee the completeness, efficacy, accuracy or authenticity of such information. This information is not intended to be an offer or solicitation for the purchase or sale of any financial product or instrument. Before making any investments, the readers are advised to seek independent professional advice, verify the contents in order to arrive at an informed investment decision.

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Bajaj Allianz Life Insurance Company Ltd.

Bajaj Allianz House, Airport Road, Yerawada, Pune - 411 006, Maharashtra

Tel No: 020-66026773

Fax No: 020-66026789

Branch Visit Timings:

Monday to Friday - 9:00 AM to 3:30 PM

Saturday - 9:00 AM to 1:00 PM

Customer Care Helpline:

1800-209-7272

Monday to Sunday: 9:00 AM to 7:00 PM (IST)

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24/7 (All week days)

Sales Enquiry Helpline:

1800-209-4040

Monday to Saturday: 9:00 AM to 7:00 PM (IST)

For NRI: +91 20 67688888 (Call charges apply)

Monday to Saturday: 9:00 AM to 7:00 PM (IST)

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The above information is for general understanding and is meant to educate the general public at large. The reader will have to verify the facts, law and content with the prevailing tax statutes and seek appropriate professional advice before acting on the basis of the above information.