Choose the Right Fund

Choose the Right Fund

Deutsche Bank AG offers you over 600 mutual funds from 24 Asset Management Companies in India. You should 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 best returns over a longer time horizon. You can invest in:

  • Diversified Equity Funds, which invest in a basket of companies across sectors.
  • Large-cap, Mid-cap and Small-cap Funds, which invest according to the market capitalization of companies.
  • Index Funds, which invest in the companies that make up an index like the BSE SENSEX, S&P CNX Nifty etc.
  • Sectoral Funds, which invest in specific sectors like pharma or infrastructure.
  • Equity Linked Savings Scheme, which offer tax benefits.
  • Equity Funds, which invest in derivatives as well as equity, thereby providing you a hedge against volatility and protecting some amount of downside

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:

  • Balanced Funds - Invest in a combination of equity and debt instruments. Generally they have a higher proportion allocated to equit.
  • Monthly Income Plans - Invest in a combination of equity and debt instruments. Generally they have a higher proportion allocated to debt.

Income 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, 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.