Baroda Pioneer Credit Opportunities Mutual Fund

Investment Objective

The primary objective of the Scheme is to generate returns by investing in debt and money market instruments across the credit spectrum.

There is no assurance or guarantee that the investment objective of the Scheme will be realized.

Baroda Pioneer Credit Opportunities Mutual Fund - Plans

The Schemes have two plans thereunder, viz. Plan A and Plan B (Direct). Under the Regular Plan of Baroda Pioneer Treasury Advantage Fund and Baroda Pioneer Liquid Fund, effective October 01, 2012, no fresh/additional subscriptions are accepted in the Regular Plan.

Plan B (Direct) is meant for direct investments, i.e. for investors who purchase/subscribe to the units of the Scheme directly with the Fund and is not available for investors who route their investments through a Distributor, while Plan A is meant for investors who route their investments through distributors only.

Both Plans will have a common portfolio but Plan B (Direct) will have a lower expense on account of absence of brokerage and commission. Hence both plans will have distinct NAVs.

Baroda Pioneer Credit Opportunities Mutual Fund - Options

Growth
Monthly Dividend
Quarterly Dividend

Under the Dividend Option:

Payout
Reinvestment

Benchmark Index	CRISIL Composite Bond Fund Index
Fund Manager	Alok Sahoo & Hetal Shah
Load Applicability	1%, if redeemed on or before 365 days from the date of allotment of Units. Nil, if redeemed after 365 days from the date of allotment of Units.
Minimum Application Amount	Purchase : Rs. 5,000/- and in multiples of Re. 1/- thereafter
	Additional Purchase : Rs. 1,000/- and in multiples of Re. 1/- thereafter
	SIP	Rs.1000/- and in multiples of Re. 1/- thereafter per installment, where an investor opts for a monthly SIP
		Rs. 1500/- per installment, where an investor ops for a quarterly SIP.
	SWP	Rs. 1000/- and in multiples of Re. 1/- thereafter per installment, where an investor opts for a monthly SIP
		Rs. 1500/- per installment, where an investor ops for a quarterly SIP.
Asset Allocation
Instruments	% of Total Assets	Risk Profile
Debt instruments of companies with long term credit rating of less than AAA and debit instruments of companies having no long term	100-50%	medium to High
Debt instruments of companies with long term credit rating of AAA and government securities	35 - 0%	Low to Medium
Money market instruments including CBLO and cash	50-5%	Low