Mutual Funds

Mutual Funds offer a range of unique advantages unmatched by most other investment avenues.

Expert Management:
Mutual Funds are managed by qualified and experienced professionals, who have access to company research, analysts, critical and timely market information and methodology to make sound investment decisions. They are best qualified to identify and maximize investment opportunities.

Reduced risks:
By diversifying your portfolio, Mutual Funds help you reduce the overall investment risk. To achieve a comparable diversification when you invest directly in equities, you would need to invest a huge amount. Mutual funds offer you diversification across asset classes as well as within a specific asset class.

Speedy access to your money:
Investors in open-ended mutual funds can buy and sell units at Net Asset Value (NAV) related prices which are declared on a daily basis on all working days.

Affordability:
Since the minimum amount to be invested in a mutual fund is low, you get access to a diversified portfolio even with a very small amount of money.

Tax benefits:
Equity Linked Savings Schemes (ELSS) offer tax rebates to investors under Section 80C of the Income Tax Act. Also, Dividend income from Equity and Equity-oriented Mutual Funds is tax-free in the hands of the investor.

Low costs:
Mutual Funds benefit from economies of scale in brokerage, custodial and other fees translating into lower costs for investors.

Transparency:
Since the fund portfolios are disclosed to investors on a regular basis, Mutual Funds are a transparent investment vehicle.

Regulated for investor protection:
The Mutual Funds sector is regulated to safeguard investor interests.

Deutsche Bank AG offers you over 800 mutual funds from 24 Asset Management Companies in India. Select a fund type that matches your risk appetite and desired returns. We offer you the following options for investment through Mutual Funds:

Equity Funds
These funds invest mainly in equity stocks, and as such, carry a higher degree of risk, but also give the higher returns over a longer time horizon. You can invest in:

• Large-cap, Mid-cap and Small-cap Funds, which invest according to the market capitalization of companies.
• Multi-cap Funds, which invest a minimum of 25% in Large, Mid and Small-cap stocks each.
• Index Funds, which invest in the companies that make up an index like the BSE SENSEX, Nifty 50 etc.
• Sectoral Funds, which invest in specific sectors like pharma or infrastructure.
• Equity Linked Savings Scheme, which offer tax benefits.

Hybrid Funds

These funds seek to provide both growth and regular income, and invest in both equities and fixed income securities in the proportion indicated in their offer documents. You can invest in:

• Conservative Hybrid Funds, which invest predominantly in debt instruments along with lesser investment in equity instruments
• Aggressive Hybrid Funds, which invest predominantly in equity instruments along with lesser investment in debt instruments
• Dynamic Asset allocation Funds, investment amongst debt and equity instruments is managed dynamically.

Debt Funds

These funds seek to provide a steady income to investors and invest in fixed income securities such as bonds, corporate debentures and Government securities. While capital appreciation in such funds is limited, risks are also lower and they are a good option for regular returns combined with stability of your principal invested. You can invest in:

• Short-term funds, suitable for investors with a shorter investment horizon, usually less than a year.
• Long-term debt funds, for long-term investments.
• Floating rate funds, which link returns to the prevailing interest rates.
• Fixed Maturity Plans (FMPs), which have a fixed maturity date similar to fixed deposits. FMPs give indicative but not guaranteed returns.

Money Market Funds

These funds seek to provide easy liquidity, preservation of capital and moderate income. They generally invest in safer short-term instruments such as Treasury Bills, Certificates of Deposit, Commercial Paper and Inter-Bank Call Money. Returns on these schemes fluctuate depending upon the interest rates prevailing in the market. Money Market Funds are ideal for corporate and individual investors as a means to park their surplus funds for short periods.

Fund of Funds

These funds allow you to invest in multiple funds, set on an automatically rebalancing asset allocation strategy. It offers you the gains from investing in several top-performing schemes without the inconveniences of managing the portfolio yourself.

Deutsche Bank helps you maximize your returns from your mutual fund investments by:

Approved Funds List:

We analyze fund performance and other portfolio characteristics to arrive at approved funds list every month. This is done on the basis of a comprehensive model which uses completely objective return, risk and other portfolio related parameters.

Sending you timely account updates:

We regularly send investors a consolidated investment holding statement, which provides a detailed summary of your holdings, with updated valuations and your gains / losses.