WealthPro Frequently asked questions

Customer Dashboard is a snapshot of various details like your NetWorth, Recommended Asset Allocation for your risk profile, Actual Asset Allocation, Portfolio Summary, Alerts etc.

NetWorth would include your Savings / Current Account balances, Fixed Deposits, Loans, and Investment Portfolio.

Portfolio refers to only Investments done by you. For example, Mutual funds, PMS, Real estate funds etc. It does not include your account balances.

Portfolio Summary shows the current market value of your investment portfolios, updated as per their valuation dates. Details like currency of the investment portfolio, current market values and buy costs (purchase price) are also displayed. The total buy cost is the sum of the buy costs of all the securities, across all the instrument types in the portfolio and denominated in the portfolio currency.

Recommended Asset Allocation for your risk profile is the percentage allocation of investments in different asset classes as recommended by Deutsche Bank. This asset allocation is based on your risk score (determined by the risk profiler). So, for example if your risk score is aggressive, then the percentage allocation recommended for Equity would be 65%.

Actual Asset Allocation reflects your actual holdings. This can be viewed for your overall portfolio, or for Deutsche Bank Branch Portfolio and db Online, plus Non-Deutsche Bank Portfolio (wherever provided by the customer). For instance, if you hold only debt funds with Deutsche Bank, then the Deutsche Bank Branch Portfolio would show 100% allocation to debt and 0% to Equity.

Your recommended asset allocation has been determined based on your risk profile (determined from the inputs given by you in the form of a questionnaire). This asset allocation is recommended to all clients after assessing their appetite for risk and assigning a risk score.

By viewing your actual asset allocation, you will be able to understand the deviation from the recommended asset classes (equity, debt, liquid or alternative instruments).

Instrument Group is a sub-category of the type of investment done, such as Equity Large Cap, Equity Mid Cap, Debt Long term etc. This gives you an aggregation of your portfolio based on the nature of investments done within the main category of equity, debt, liquid and alternative investments.

You have the flexibility to view the graph either as a pie chart or in a tabular form.

This feature allows customized alerts* so you can stay in touch with specific events / movements in your portfolio. It can either be set by you or through your Relationship Manager.

*This facility is available only to Private Banking.

A System Alert is an automatic, pre-defined trigger set up by the bank, to inform you about various incidents, such as maturity of a particular close-ended investment product, premium to be paid for an insurance policy, etc. These alerts appear on the dashboard under the tab ‘System alerts’.

Portfolio refers to only Investments done by you. For example, Mutual funds, PMS, Real estate funds etc. It does not include your account balances.

There are 3 types of portfolios that can be maintained in the system:

• Deutsche Bank Branch: This portfolio contains details of investments made through the Bank branch or through your Relationship Manager.
• db Online:This portfolio contains details of the Mutual Funds units that you buy / sell through the online channel.
• Non-Deutsche Bank Portfolio: In this Portfolio you can maintain and track your investments with other banks / brokers. Please note that Non-Deutsche Bank Portfolio includes all equity share holdings, for all the customers of db TradePro (who use the sharekhan platform to buy / sell equity shares). This information is updated on a daily basis.

Please note that the above portfolios are all in single mode. If you need to create db Online Portfolio in non-single mode (either or survivor mode), then please contact the branch staff or your Relationship Manager for the same.

Portfolio Overview shows the market value of your investment portfolios, updated as per their valuation dates. For example, all mutual fund schemes values are updated as per the last business day’s Net Asset Value (NAV) as disclosed by the (Asset Management Companies) AMCs. On the other hand, real estate and private equity funds disclose their NAV or Audited Market Value (AMV) only once a year, which is updated accordingly.

The benefit of Portfolio Overview is that it gives a summarized view of your all investment holdings. In this section, each portfolio displayed is a hyperlink, which leads to the various instrument types held within it. Each instrument type (for example, Mutual funds, PMS etc) further leads to the individual holdings / schemes held within that portfolio.

Yes, a Transaction Search option has been provided within the menu ‘Non-Deutsche Bank Portfolio’*. You can search for a transaction based on several parameters like date range, portfolio type etc. Please note that transactions under Deutsche Bank Branch and db Online are shown only with a view option.

Portfolio Analysis presents your holdings across the different portfolios in different dimensions such as Asset Class, Industry, Currency, Region, Market capitalization, Instrument Group and Instrument type (to be selected from the drop-down menu ‘Category’). This enables you to carry out an in-depth analysis of your investment holdings across all portfolios.

Please note that parameters like Industry Exposure and Market Capitalization represent analysis only for the equity shares held either directly (in the Non-Deutsche Bank Portfolio) or via the Mutual funds schemes across all portfolios.

This analysis is possible for all the portfolios put together as well as for any single portfolio selected from a drop-down menu ‘Portfolio Type’.

*This module is available only for Private Banking customers.

Portfolio Simulator is a scenario planning module which assists you in analyzing an Investment Portfolio and illustrating impact of restructuring the existing investment holdings. It facilitates mock investments on your portfolios and immediately shows the results – in terms of various parameters such as Asset Allocation, Industry and Market Capitalization (for equity component), Instrument Analysis Group etc.

This offers tremendous advantage as customers can test the efficiency of all investment choices made without actually making the investments.

**Private Banking customers have access to this module themselves. Other customers need to contact their Relationship Manager or Deutsche Bank Branch.

Portfolio Performance helps you track returns on your investments and analyze the performance of your investments on a regular basis.

You can track the Portfolio Performance by 3 categories:

• Portfolio Type (e.g. Deutsche Bank Branch Portfolio)
• Instrument Group (e.g. Debt Long Term or Equity Diversified Large cap category)
• Asset Class (e.g. Equity or Debt)

The benefit of this is a summary and detailed analysis of the performance of investment holdings. You can view the Rate of Return (RoR%) for the past 6 months under the ‘Monthly’ tab and for the past 5 years under the ‘Yearly’ tab.

The ROR (Annualised) since investment date has been calculated by using XIRR method. The XIRR or Extended Internal Rate of Return is a method where all the future cash flows are first discounted at a discount rate and then the IRR is calculated.

The RORs (Annualised) for other durations i.e. month to date, 6 months to date, year to date and 5 years to date are computed using True Time Weighted method.

The Performance Analysis section displays the following details for various portfolios (i.e. Deutsche Bank Branch, db Online and Non-Deutsche Bank):

• Buy Cost: This displays the sum of the buy costs of all schemes / products in a particular portfolio
• Realized Gain / Loss: This displays the sum of all gains / losses that have already occurred on redemption / switch of schemes / products
• Dividend Interest: This displays the sum of all the dividend / interest received for all schemes / products in a particular portfolio, since inception of the portfolio. Please note that this is not just for the current holdings in the portfolio
• Urealized Gain / Loss: This displays the notional gains / losses that would be realized if the schemes / products held in the portfolio were sold at the market price
• Last Transaction Date: This is the date corresponding to last transaction for a particular  portfolio
  

When the hyperlink for any portfolio is clicked, the performance analysis and returns are shown for various scheme / products held in the corresponding portfolio. The Overview shows Buy Cost, Market Value, Realized / Unrealized Gain / Loss and Since Inception ROR across products / schemes. There is also ‘Monthly’ (past 6 month’s performance) and ‘Yearly’ view (performance for the last 5 years) available that show returns across products / schemes.

This feature allows customized alerts* so you can stay in touch with specific events / movements in your portfolio. It can either be set by you or through your Relationship Manager.

*This facility is available only to Private Banking and Advantage Banking customers.

The screen is divided into two sections: Display and Maintenance section. The Maintenance section enables the user to set up the alerts for different categories as Portfolio, Instrument, Exposure, Instrument Price and Reminder.

• Portfolio: Here, alerts defined in this category would help you track the performance of a particular portfolio
• Instrument: These alerts enable you to track the performance of a product that you hold in a particular portfolio
• Exposure: The alert for a particular exposure get triggered when the percentage of holdings as per a particular parameter (such as Industry, Currency, Region, Market Capitalization etc) meets the set criteria
• Instrument Price: Here, you can define an alert on the basis of market price variation for a particular product. The alerts in this category can be set up on the basis of
  • Amount: alert set to track the product amount below or above the certain amount
  • Price%: alert set to track the increase or decrease in product price percentage
• Reminder: This alert is set as a reminder on a particular date
  

An alert would show on the dashboard only when it meets the set criteria and get triggered. All alerts generated by you (but not triggered) would not show on the dashboard but in the portfolio alerts set-up screen.

If a portfolio alert is due to expire (i.e. it has not been triggered for 90 days), you would get a notification message 5 days prior to expiry of an alert. At the same time expiry date is displayed with hyperlink in red color - this hyperlink facilitates you to renew the alert.

Deutsche Bank offers you a choice to invest online across funds from several fundhouses, including Axis, Aditya Birla, DSP, Franklin Templeton, HDFC, ICICI Prudential, Kotak, Mirae, Motilal Oswal and Tata.

Yes, for this, you need to give a request form to your Branch / RM for creation of a Joint Investment Portfolio. Any orders placed in this portfolio would get executed in the joint name (in the same combination) mentioned in the request form. Click here to download the Household View and Joint Investment Portfolio form.

Yes, you can redeem / transfer online only those funds which have been purchased online. For redemption of funds purchased through the Deutsche Bank Branch route, please get in touch with your relationship manager or Deutsche Bank Branch.

All holdings of the funds which have been purchased online will be a part of the db Online portfolio.

The cut-off time for investing is 2:00 PM for equity / debt funds on a given business day. For orders placed for equity and debt funds before 2:00 PM, same day NAV is applicable.

For orders placed for liquid funds before 1:00 PM, closing NAV of the previous business day is applicable. For orders placed for liquid funds before 2:00 PM, same day NAV is applicable, except for business day followed by a holiday.

As per revised SEBI guidelines, all KYC documents including Permanent Account Number need to be submitted to CDSL. Once the status of KYC documents and PAN are updated in our records, you would be able to invest in any scheme. Please get in touch with your Relationship manager or visit our branch with your KYC documents and PAN.

You can put an online request for SIP cancellation (goto menu option 'Buy & Sell' - Place Order - Sys Plan Cancellation). Please note that you should put a cancellation request atleast one day prior to the SIP date.

Various icons shown next to the Scheme name are as follows:

• Approved list (A): This displays the list of Mutual Fund schemes approved list as per bank's in-house research for the selected customer's risk profile
• NFO (N): This displays any New Fund Offer or NFO that is open for subscription for a limited number of days
• Fact Sheet: This link leads to the 'Factsheet' of a specific mutual fund scheme selected
• Instrument Analytics: This displays various risk and return measures for each mutual fund scheme such as sharpe ratio, beta, returns for a defined time period etc.
  

The important fields in the screen are as below:

• Option: Any mutual fund scheme offers two options on dividend: Payout and Reinvestment. In the dividend payout option, the dividend is given to the investor from time to time whereas in the reinvest option, all the dividends declared by the fund are reinvested back into the scheme
• Payment Option: You can chose either:
  • Regular: This is a one-time investment
  • SIP: This is a periodic investment, where you choose to put in a fixed amount at the mentioned frequency to purchase certain units of a fund
• Indicative Total Investment: For regular payment option, the amount is same the Indicative Total Investment but for SIP, the Indicative Total Investment is calculated by multiplying the amount with number of transfers
• Total Amount: It displays the amount obtained by adding Indicative Total Investment and Transaction fee
• Commencement Date: This field is shown only for SIP payments. It is a pre-determined date on which the SIP instruction would be set up by the fund house
  

The important fields in the screen are as below:

Redemption Type: You can choose between -

• Regular: Here, you redeem all your holdings at once
• SWP (Systematic Withdrawal Plan) : This is a periodic redemption where you choose to redeem fixed amount or units at the pre-defined frequency
• Indicative Total Redemption: For Regular payment option, the amount is same the Indicative Total Redemption but for SWP, the Indicative Total Redemption is calculated by multiplying the amount with no. of transfers
  

The important fields in the screen are as below:

• Transfer Option: You can choose between -
  - Switch: Here, you transfer all your holdings from one fund scheme to another fund  scheme (from the same fundhouse)
  - Systematic Transfer: This is a periodic transfer where you choose to transfer fixed amount or units from one fund scheme to another fund scheme at the mentioned frequency
• Indicative Total Transfer: For regular payment option, the amount is same the Indicative Total Transfer but for STP, the Indicative Total Transfer is calculated by multiplying the amount with number of transfers