Mutual Funds have emerged as one of the most popular ways to invest and create long-term wealth. But it is essential to pick the right mix of mutual funds and create a portfolio that is aligned to your financial goals.
At DBS Treasures, we have a thorough risk-review process where we understand your financial objectives and risk appetite and then help you build an appropriate mutual fund portfolio.
Choose from over 260 approved mutual fund schemes from 21 leading AMCs (Asset Management Companies) and invest in them anytime, anywhere through our digital banking platform, digibank by DBS. Get a consolidated dashboard view of your investments with real-time & detailed information on each fund.
As a DBS Treasures customer, you also enjoy access to exclusive research reports and the latest market updates from DBS group research in the form of daily, weekly, monthly and annual newsletters. Our DBS Select quarterly report highlights information and detailed factsheets on the top quartile mutual funds rated by Morningstar.
Mutual Funds are a great investment option because they are managed professionally by fund managers who have expertise and access to research and tools. Mutual funds enable better risk management by investing in a diversified collection of assets and provide excellent liquidity as you can redeem your units whenever you need to.
At DBS Treasures, you can choose funds across major categories: Equity, Debt, Balanced and Liquid. Depending on your goals and risk appetite, you can find one that suits your needs.
Equity funds are those that invest largely in the stock market. Equity funds may be categorised by market cap (large cap, midcap, small cap, etc) or sectoral (banking, infrastructure, pharma etc) or thematic (dividend yield). Equity funds have the potential to provide greater market-linked returns but also carry a higher degree of risk. It’s best to have a long-term view while investing in equity mutual funds.
Debt funds are those that invest in government securities, bonds, treasury bills and other money market instruments. SEBI has specified 16 categories of debt funds including liquid funds, gilt funds, banking, PSU funds and gilt funds. In general, debt funds tend to provide lower returns at lower risk than equity funds.
Balanced Funds invest in both equity and debt with the aim of providing higher returns from equity and lower risk from debt. While choosing hybrid funds, opt for one with a higher proportion of equity if you are willing to take some risk; go with a higher proportion of debt if you want lower risk.
Liquid Funds are debt funds that lend to companies for a period of up to 91 days. These are the least risk averse funds amongst all categories.
To understand the fees and charges related of our Premium Savings Account, click here.
You can also call our customer service numbers (1860 267 1234 / 1800 209 4555) to speak to a DBS representative.