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Open Preferred Banking Account Online in India with DBS Treasures

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Open Preferred Banking Account Online in India with DBS Treasures

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Preferred banking account is exclusive banking and wealth solution for those who love luxury. With DBS Treasures get special privileges on your preferred account. Apply for Preferred banking account now with DBS Treasures!

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Apply For a DBS Treasures Preferred Banking Services and enjoy exclusive privileges. Enjoy higher returns on savings accounts, preferential rates, and benefits. Get started today!

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Avail range of service through DBS Family Banking Account

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Avail range of service through DBS Family Banking Account

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Family banking account gives you complete banking solution for the entire family. Avail special discounts, offers and services through DBS Treasures family banking privileges.

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Avail Family Banking Services in India | DBS Treasures

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Enjoy family banking benefits like never before

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Investment Banking Products and Services by DBS Treasures

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Investment banking specialists from DBS Treasures provide seamless advice, solutions and services covering equity, fixed income, tax & sophisticated wealth solutions.

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Investment Banking - Get well researched investment banking products & services covering equity, fixed income & sophisticated wealth products. check now!

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Open Wealth Management account online in India with DBS Treasures

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Open Wealth Management account online in India with DBS Treasures

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DBS Treasures brings a Wealth Management account that provides you access to a range of exclusive market insights and specialised wealth solutions that ensure your financial goals. Open Wealth Account now!

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Understand your financial objectives & risk appetite and help to build an appropriate mutual fund portfolio that suits your needs. Build MF Portfolio online with DBS Treasures!

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Mutual Funds Portfolio: Build MF Investment Portfolio Online

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Mutual Funds Portfolio - choose MF Portfolio across Equity, Debt, Balanced & Liquid depending on your goals & risks. Build Mutual funds portfolio online!

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Experience Premium Banking with DBS Treasures today!

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Get personalized banking services with DBS Treasures Premium Banking! Enjoy exclusive benefits and solutions across a wide range of services with DBS Treasures Premium Banking.

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Open Priority Account Online in India with DBS Treasures

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Open Priority Account Online in India with DBS Treasures

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Be the first to get premium access to the best research reports, market insights, exclusive offers and bespoke privileges with Priority Banking Services. Open Priority Account with DBS Treasures today!

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Priority Account - Open priority savings account for premium access to market insights, exclusive services and bespoke privileges now at DBS Treasures!

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Get Wealth Management Products and Services online with DBS Treasures

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Get Wealth Management Products and Services online with DBS Treasures

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Wealth Management specialists from DBS Treasures provide a gamut of wealth management services and strive to deliver clients' superior banking and wealth management experience.

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Wealth Management Services: Grow Your Wealth| DBS Treasures

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Wealth Management: Get access to DBS wealth management services, from personal investment solutions to priority banking privileges. Experience quality service today!

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Open Premium Savings Account Online with DBS Treasures

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Open Premium Savings Account Online with DBS Treasures

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Open Premium savings account online with DBS Treasures and enjoy exclusive lifestyle & banking privileges. Also, get the latest market insights from Indian and International markets!

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Features and Benefits

A DBS Treasures premium savings account is for those who want to turn routine banking into a long-standing relationship with a host of exclusive lifestyle and banking privileges:

Family Privileges

With a premium savings account, you and your loved ones get exclusive access to a range of lifestyle privileges.

Travel: Travel in style with complimentary airport pick-up/drop-off services, airport lounge access, airport meet-greets and global travel assistance.

Note: The above airport privileges are provided through a business partner and the type and quality of cabs / cars used for the service will be up to the bank's discretion. Considering the pandemic guidelines and keeping the safety of customers in mind, the bank will review the program on an on-going basis.

# Total Relationship Value (TRV) is across all accounts in a family and calculated by aggregating average quarterly saving account balances and end of period term deposits, insurance, investments and mortgage loan outstanding. 40% of the net balance of the loan (Home Loan / LAP) will be considered towards TRV computation.

Medical: Take care of your family's medical needs with a global medical concierge.

Education: Secure a better future for your children with our overseas educational concierge services.

Property and legal: Live hassle-free with beyond banking benefits like property management services, legal services, tax and trust planning.

Sport and entertainment: Enjoy exclusive offers like 50% on BookMyShow and green fees waiver while teeing off.

Sophisticated Wealth Solutions and Timely Market Insights

We get you the latest market insights and updates from Indian and International markets. Be the first to get detailed market analysis from around the world from DBS group research.

With a premium savings account, you get access to a gamut of wealth solutions that include vanilla and sophisticated products like mutual funds, bonds, PMS (portfolio management services), AIF (alternative investment fund) and other structured products.

Team of experienced specialists and premium banking benefits

A premium savings account comes with premium banking solutions to cater to all your needs. Benefits include:

Remote account opening from our branches around the world

Preferential rates on remittances

Higher rates on fixed deposits

Free unlimited ATM withdrawals and much more.

At DBS Treasures, you get personalised support from a dedicated Relationship Manager who will cater to all your banking and wealth management needs. Your Relationship Manager will be your trusted wealth partner and will work with a team of experienced specialists to provide you with wealth solutions to meet your financial goals.

Digital banking partner

With digibank by DBS, you can manage your portfolio anytime, anywhere with over 110 features available on our internet and mobile banking platforms. Get access to super-secure login, super-fast remittances, super-smooth navigation and super-fast payments.

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Premium Account: Open Premium Savings Account | DBS Treasure

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Open a DBS Treasures Premium Account and enjoy higher interest rates, a dedicated relationship manager, exclusive lifestyle rewards and more. Start growing your wealth today!

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Open Flexi Fixed Deposit Account Online with DBS Treasures

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Open Flexi Fixed Deposit Account Online with DBS Treasures

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Flexi Fixed deposit is a special kind of deposit offered by Indian banks formed by combining a demand deposit and a fixed deposit. Open Flexi Fixed Deposit Account today with DBS Treasures!

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Invest in Money Market Mutual Funds with DBS Treasures

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A money market fund is a fixed-income mutual fund that invests in debt securities. You can easily move your money in and out of these mutual fund investments. Invest in MMF with DBS Treasures!

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Money Market Funds: Maximize Your Returns | DBS Treasures

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Maximise your returns with DBS Treasures Money Market Mutual Funds. A full suite of Money Market Funds can help meet your financial objectives. Start investing today!

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Enjoy Signature Experience with Premium and Privilege Services by DBS Treasures

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With DBS Treasures Signature Experience, enjoy a host of benefits that truly match your lifestyle and aspirations. Click here to know more in detail!

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Features & Benefits

Enjoy a host of benefits that truly match your lifestyle and aspirations

Travel Privileges

Complimentary airport transfers through DBS Concierge assistance

Complimentary personalised meet-greet and assist services

Domestic and International Lounge access at select airports

Note: The above airport privileges are provided through a business partner and the type and quality of cabs / cars used for the service will be up to the bank's discretion. Considering the pandemic guidelines and keeping the safety of customers in mind, the bank will review the program on an on-going basis.

# Total Relationship Value (TRV) is across all accounts in a family and calculated by aggregating average quarterly saving account balances and end of period term deposits, insurance, investments and mortgage loan outstanding. 40% of the net balance of the loan (Home Loan / LAP) will be considered towards TRV computation.

DBS Dining Experiences

Dining referral and reservation assistance

Bespoke events with master chefs and food tours

Wine and Dine experiences, Vineyard information

Global and Domestic Medical Assistance for your loved ones

Global and Domestic Travel Assistance

Hotel referrals / flight information & ticketing assistance

Inoculation and Visa Requirement Information

Lost document advice & assistance

Legal Referral

Emergency Document Delivery

Bespoke Privileges

Doorstep Banking Services (DSB)

DBS Bank India Limited: Doorstep Banking DBIL shall offer Doorstep banking (DSB) for Branch Banking Customers certain customer segments including Senior Citizens of more than 70 years of age and differently abled or infirm persons (having medically certified chronic illness or disability) including those who are visually impaired.
List of services offered under Doorstep Banking Services Financial services:

Cash deposition (Cash pick-up)

Cash delivery against withdrawal from account.

Non-financial services:

Pick up of instruments against receipt (Clearing cheques/ Demand Draft/ Pay Order/ Fund Transfer cheques)

Delivery of Demand Draft/ Pay Order

Submission of KYC documents

Various modes of requesting the above listed services shall include via e-mail, telephonic instructions initiated by Self or through DBS India Relationship Managers or Branch Customer Service personnel.
List of Branch locations wherein doorstep banking service can be availed.
DBS would offer the doorstep services in the below cities.

Note: list of branches shall be periodically updated on DBS India website.

In other cities or locations where DBS India branches are located, the doorstep banking services will be provided on a best effort basis.
How to avail services through DSB facility?
Customer can place request for availing DSB services through e-mail, telephonic instructions initiated by Self or through DBS India Relationship Managers or Branch Customer Service personnel.
Eligibility criteria for availing DSB services

Senior Citizen (more than 70 years of age)

Differently abled or infirm persons (having medically certified chronic illness or disability)

Visually impaired person

For Doorstep Banking Services (DSB) Charge Schedule and General Terms and Conditions click here

Golf programs at domestic and international golf courses

Curated events, movie premieres and seminars

Overseas Educational Concierge

Spiritual Sojourns

Beyond Banking Services

Tax, Trust & Estate Planning

Legal / Property Advise

And much more...... Terms and Conditions apply

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Premium Experience: Features & Benifits | DBS Treasures

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Experience the world of ultimate luxury with DBS Treasures Signature Experience. Gain exclusive entry to our high-end experience and unlock an enhanced way of living!

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Wealth managers are high-level professionals who offer comprehensive personal financial services. Read on to know more in detail about the role of wealth manager with DBS Treasures

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Reading Time: 4 minutes
Key Takeaways: Wealth managers are high-level professionals who offer comprehensive personal financial services. They assist you by providing investment advice. They also conduct research on your behalf and allocate your assets based on your investment goals, horizons, and risk appetite. Wealth managers usually work with high and ultra-high net worth clients.
Introduction

As all the wealth in the world grows, so does the need for wealth management services. But what is wealth management in banking? Wealth management is a life-long advisory service offered to affluent clients to help build and execute a strategy for their financial management. When you opt to avail of wealth management services, you get access to customised solutions to make informed investment decisions based on your risk appetite, investment horizons, and investment goals. The role of a wealth manager is vital in the course of financial planning. Let us understand why a wealth manager is significant.

What Is Wealth Manager?

A wealth manager is a specialised financial advisor who offers wealth management services to high net-worth clients. Based on your investment needs and goals, a wealth manager offers you valuable advice and a range of additional services related to your financial life. Wealth managers may work individually, function as a small-scale business or even run large firms. You may receive your services from a single individual or multiple individuals belonging to a wealth management team.

What Does A Wealth Manager Do?

Now that we know what is wealth manager let us find out what they do. Being in the business of wealth management, wealth managers are high-level professionals and experts who offer comprehensive personal finance services. They procure data, evaluate information, make decisions, solve problems, establish interpersonal relationships, analyse data, identify goals, develop tailored strategies, and execute them.

No two wealth managers are the same, and naturally, the services offered by each are also different. In addition, most wealth managers possess a unique set of skills and offer customised services. Here are some of the services wealth managers commonly provide.

Estate planning

Accounting services

Retirement planning

Strategic tax planning

Investment advisory services

Banking services

General long-term financial planning

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Based on your exact needs, wealth managers can offer a personalised combination of the above-listed services.

Wealth Managers and their Clientele

Wealth managers usually work with high to ultra-high net worth individuals. These are affluent clients with several assets and diverse investment needs. However, each wealth manager has their requirements for onboarding and accepting clients. These requirements could be a certain amount of investable assets or minimum account balances.

What Fees Do Wealth Managers Charge?

Similar to financial advisors, most wealth managers charge clients based on an annual payment model. Their fees may be a certain percentage of your AUM (Assets under Management). AUM is defined as the total market value of the investments a wealth manager invests on behalf of the client. Some managers may charge clients a fixed or hourly fee instead of an annual fee. Some may even work on a commission basis and earn through the investments that they sell, while others may levy a charge combining all the above.

As a client of a wealth manager, you must note that you are likely to pay for other expenses in addition to the basic, stipulated fees. These include the underlying costs associated with trading, fund management, and brokerage - in other words, the general fees all investors have to pay.

How to Choose a Wealth Manager?

Choosing a wealth manager is just like picking a financial advisor. To begin with, you may want to check the minimum balances or net worth that a wealth manager requires from a client to take on their services. You can also ask them about their existing client base to know what kind of people they have worked with.

Moreover, you must take into consideration if the wealth manager has the necessary advisory certifications and credentials. These will give you an insight into their experience and training in specific financial areas. It also helps to find an advisor who is more relevant to your financial purposes.

Another critical factor to consider is the fee charged by the wealth manager. The fee they charge depends on their experience. Choose a manager who offers an appropriate fee structure that works best for you and them.

Wealth Managers vs Financial Advisors

As stated above, wealth managers double as financial advisors in most regards, but there are some fundamental differences. Wealth managers differ from financial advisors, financial planners, financial consultants, and investment advisors due to the high level of services they offer. While financial advisors have specific focus areas and can help you with your specific investment needs, the significant difference lies in the degree of assistance you get from the wealth managers vs financial advisors. Wealth managers fundamentally offer holistic services that go beyond investment advisory services. They manage your money extensively.

The difference between a financial planner and wealth manager is that the former only helps clients with generic financial planning needs. Conversely, a wealth manager helps wealthy clients map out a comprehensive and long-term financial plan and assists them with other aspects of financial management, from estate planning to drawing out and executing wills and so on.

Investment advisors, as the words suggest, help clients make strategic investment decisions for their portfolios. However, wealth managers do this and more. They help clients select appropriate investments and sometimes invest on their behalf. Typically, wealth managers have some level of control over decision making while allocating assets, redeeming and reinvesting funds, and other aspects of building a corpus.

The Bottom Line
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Now that you know what is wealth management in banking, you can decide whether you should consider availing the services of a wealth manager. Wealth management goes beyond financial advisory services and is a comprehensive approach. For high net-worth clients, choosing to work with a wealth manager instead of employing and coordinating with multiple financial parties is convenient and far less cumbersome. Before you hire one, make sure you discuss your short and long-term financial plans and check the track record of the wealth manager, the kind of clients serviced and their overall experience with managing a significant investment portfolio.

*Disclaimer: This article is published purely from an information perspective and it should not be deduced that the offering is available from DBS Bank India Limited or in partnership with any of its channel partners.

The purpose of this blog is not to provide advice but to provide information. Sound professional advice should be taken before making any investment decisions. The bank will not be responsible for any tax loss/other loss suffered by a person acting on the above.

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difference between financial planner and wealth manager

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What Is Wealth Manager? Get Every Detail With DBS Treasures

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Are you looking to get started on wealth management? Know more about what wealth managers do, including asset allocation, portfolio balancing & more with DBS. Get all the details here!

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Structured Products: Definition, Types and Benefits

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Structured Products: Definition, Types and Benefits

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Structured products are financial instruments whose asset allocations include both volatile and secure investments. Read on to know more in detail about structured products and the benefits with DBS Treasures

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Reading Time: 5 minutes

Key Takeaways: Structured products are financial instruments whose asset allocations include both volatile and secure investments. The risk is managed with the use of derivatives. Structured products are customisable investment options that cater to the specific needs of an investor. In this article, we understand what are structured products and the benefits of structured products in detail.

The investment market is rife with a myriad of options. If you are a novice, you will be overwhelmed to see how many options are available. Indeed, it can be quite confusing to choose the best investments to help you earn high returns without risking your capital investment amount. While all stock market investments involve some level of risk, you can invest in structured products to reduce your risk levels. To know more about what are structured products, and the types and benefits of structured products, keep reading this article.

What are Structured Products?

One of the most favoured contemporary investment options, structured products are hybrid investment avenues that focus on maximising returns through investments in various components of the market structure. These financial instruments are designed uniquely to provide you with returns according to your specific needs. A structured product is essentially a customised financial instrument that utilises various investment avenues and combines them in a package. The risk factors and the return objectives of structured products are not fixed and can vary per the needs of the investor.

Structured products utilise traditional underlying assets, but the returns from the underlying assets are swapped with derivatives. Usually, structured products combine different asset classes to create a mixed investment portfolio. A structured product balances the risks it undertakes by including secure investments as part of the portfolio.

Components of Structured Products

Structured products comprise of three essential components:

Bonds

Bonds are a vital part of structured products, which makes them a secure investment option. Investing in bonds helps with capital protection, thereby ensuring you recoup your entire capital investment amount. Even if the underlying assets of the structured product does not perform well, you will get back your principal investment amount.

Equities

Equities and equity-oriented schemes are also classified as structured products. There might be a single equity investment or a set of equity investments under structural products. These equities help maximise your returns but are typically riskier instruments that perform based on market volatility.

Derivatives

A derivative is an investment instrument whose value is determined based upon the values of the underlying assets (1). Derivatives act as the determinant of the overall risk involved in a structured product. Derivatives help customise the returns from the underlying assets to meet the unique requirements of the investors.

Features of Structured Products

Are structured products a good investment? Consider these features to decide.

Combined assets

A structured product instantly boosts your investment portfolio. There are various financial instruments involved in creating a structured product. Structured products include bonds, equities, and derivatives as the principal assets. Bonds and equities together generate returns which makes structured products great investment options.

High-value investment

A structured product is an excellent option if you are looking for a high-value investment. In India, the minimum value of a structured product investment is INR 10 lakhs⁽²⁾. The value of a structured investment differs according to the offer of the issuer or the requirements of an investor. If you invest through a Portfolio Management Service, the minimum investment amount in a structured product is INR 25 lakhs⁽³⁾.

Risks and return

Risks and returns are evaluated very carefully when creating a structured product. The aggressiveness or the conservativeness of a structured product will be dependent on your requirements. However, a structured product is suitable for both conservative and aggressive investors as both investments are involved in the creation of a structured product. Bonds provide financial security, and equities generate dynamic returns.

Fixed tenure

Structured products cannot be liquefied before a fixed period. All structured products are fixed period investments as the involved investments require a specific tenure to deliver the promised returns. The tenure of structured products ranges from 12 to 36 months⁽⁴⁾.

Handled by finance managers

Since structured products involve high-value investments, they have a complex mechanism in place. Experienced fund managers or investment portfolio managers create structured products to cater to your needs. Professional involvement in the management of these instruments helps in minimising any risks and achieving your investment goals.
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How Do Structured Products Work?

While investing in structured products, fund managers allocate assets in different investments instruments, as mentioned earlier. The idea is to combine instruments that offer financial security (Bonds), along with instruments that invest in stock indexes and/or foreign currencies (Equities) and combine them with securities that handle the overall risk involved in the structured product (derivatives).

Let us assume that you invest INR 2,000 in a structured product for three years, providing capital protection. This means that you will receive your initial investment amount of INR 2,000 after 3 years.

The fund manager will invest INR 1,600 in a fixed income instrument which guarantees a net return of INR 2,000 after 3 years. This secures your initial investment.

The remaining INR 400 is invested in equities and derivatives to generate higher returns on your investment. The returns are never guaranteed as it depends upon the performance of the equities in the market. A positive performance offers you greater returns at the end of your investment period. Even if the equities do not perform positively, your initial investment stays secure.

Types of Structured Products in India

Conservative structured products

These are structured products that ensure that you will receive the initial investment in the instrument even if the equities of the product do not perform favourably. These structured products come with the assurance of capital protection. The returns from equities are relatively lower since most of the assets are allocated towards bonds or debts.

Aggressive structured products

Aggressive structured products do not assure the returns on your initial investment. Risks are very high on these financial instruments, but you can earn high returns on maturity. These products do not offer capital protection.

Benefits of Structured Products

Here are some benefits of structured products which make it a good investment option.

Structured products are carefully created financial instruments that help diversify your investment portfolio.

You can customise your investment portfolio by selecting your preferred structured products.

You can fulfil different financial goals, e.g., growth or income, through diversified asset allocation.

You can protect your investment if you opt for a product offering capital protection.

You can generate stable to high returns due to the combination of assets like equities, bonds, and derivatives.

Conclusion: Now that you know what are structured products, you can consider investing in them. With investments in varied structured products, you can ensure you create an all-encompassing, versatile investment portfolio. You can reduce the risks of market volatility with secure investments in bonds. With a structured product, you can invest in even the most volatile markets and not suffer losses on your investments.
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*Disclaimer: This article is published purely from an information perspective and it should not be deduced that the offering is available from DBS Bank India Limited or in partnership with any of its channel partners.

The purpose of this blog is not to provide advice but to provide information. Sound professional advice should be taken before making any investment decisions. The bank will not be responsible for any tax loss/other loss suffered by a person acting on the above.

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are structured products a good investment

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Understanding What Are Structured Products? | DBS Treasures

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Know the components of market structure with DBS Treasures. Understand what are structured products and how they can enhance your investment portfolio.

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Each investment within a portfolio carries its own risk, with higher potential return typically meaning higher risk. Read on to know how to reduce portfolio risk for your investments with DBS Treasures

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Reading Time: 4 Minutes
Key Takeaways: When investing, high returns and high risks go hand in hand. When you invest across various assets, you are doing both, taking and mitigating your investment risks. That risk is widely known as Portfolio Risk. By strategically investing across assets, you can lower your risk and enjoy lucrative returns.
Introduction

An investment is deemed to be profitable if it can generate high returns. A salient feature of any investment is that high returns equal high risks. The primary classes of assets you can invest in are equity (stocks), (bonds), precious metal and other commodities, and real estate.

Now consider two individuals, Mr. X and Ms. Y. Mr. X only knows that by investing in the stock market, he will gain high returns and so decides to invest only in the stock market. Ms. Y knows her way around the stock market. She knows that high returns will entail high risks. Keeping this in mind, she decides to invest in bonds. (When compared to stocks, bonds are always safer but with their own risk factors.) Days later, the stock market crashes. Mr. X and Ms. Y both have incurred losses with their investment in the stock market. But Ms. Y is relieved because this impact is absorbed by her safety net, i.e., her investment in bonds.

To infer, by investing in more than one asset, Ms. Y could recuperate her loss with her knowledge of portfolio risk.

What is a Portfolio Risk?

When you invest in a combination of assets, you create an investment portfolio. Now, like every investment, either of the things can happen - you could reap decent returns and fulfil your financial goals, or you could incur losses. There is a chance or a risk that your portfolio may not meet all your financial goals, and this is known as a Portfolio Risk. There are ways to make your portfolio secure from these risks, but in reality, these risks can only be minimised.

What are the types of Portfolio Risks?

There is no one singular factor that affects investment portfolios. Following are some examples of risks associated with your investments.

Market Risk

The greatest of all risks any portfolio could face is the market risk, also known as systematic risk. As the name suggests, this risk exists due to the volatility of the market. Furthermore, types of market risk include equity risk, interest rate risk and currency risk.

Equity Risk: The risk of losing out on money due to a drop in the stock market.

Interest Rate Risk: The risk of loss due to change in interest rate in case of debt investments.

Currency Risk: The risk of loss due to fluctuation in the exchange rate, applicable to foreign investments.

Liquidity Risk

Liquidity risk is when you are unable to sell your investments because of the low market values of the investment when you need funds. This can be quite problematic when you need cash during emergencies.

Concentration Risk

The risk of losing your money because you decided to invest all your money in only one type of asset, such as the stock market, is known as concentration risk. A good investment portfolio does not invest only in just one asset.

Credit Risk

Applicable for debt investment (bonds), credit risk is when the company that issued the bonds faces financial difficulties. Always check the credit ratings of bonds before investing.

Reinvestment Risk

Reinvestment risk occurs in the event of declining interest rates. For example, you invest in bonds at a specific interest rate and gain high returns. But with falling interest rates, you are unable to reinvest and avail that initial interest rate which gave you high returns previously.

Horizon Risk

Horizon risk is when you decide to invest in an asset for a longer duration, e.g., 10 years. However, due to unforeseen events, you may be forced to sell the investments even if the market is down, resulting in a loss.

Risk Tolerance

When you decide to create a portfolio, you must be ready to face losses. The threshold at which you cannot afford any losses will be considered as your risk tolerance. The time of your investment plays an essential role too. If you are nearing retirement, where you have feeble chances of monthly income to cater to your lifestyle, your portfolio may never recover, as opposed to your earlier days.
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If you are an individual who has a long way to go before retirement, and if you have a steady income source and some savings hither and thither, you will potentially have higher risk tolerance. However, if you are close to retiring and about to lose a steady income flow, you will have lower risk tolerance. Losing money puts you in a stressful situation resulting in irrational decisions and an impaired portfolio. You can gauge your tolerance by studying your portfolio and analysing your monthly income and expenses, investment horizon or, you can seek help from a financial advisor.

How to Calculate Portfolio Risk?

There are many mathematical ways to identify portfolio risk. But let us briefly learn about it.

You can calculate the risk of an individual investment by using the Standard Deviation method. Standard Deviation statistically measures the variation of specific returns to the average of those returns. The portfolio risk is also measured by taking the Standard Deviation of variance of actual returns of that portfolio over time. The variability of returns is proportional to the portfolio's risk. This risk can be measured by calculating the Standard Deviation of this variability.

Portfolio risk calculations are conducted by experts in the field. As an investor without a solid finance and accounting background, you are not expected to know the math. What you must, however, know are the ways to reduce your portfolio risks.

How to Reduce Portfolio Risk?

As mentioned previously, you cannot eradicate the risk but minimise it. The stock market does both - gives high returns and experiences high volatility. Hence, your primary concern should be to diversify your portfolio by investing across various asset groups. Stocks with their long-term returns, bonds with their stable returns, gold with its appreciation component, and a permutation-combination of these assets will serve you better than investing in only one asset.

Modern Portfolio Theory (MPT) is an investment term used in reference to the portfolio building process. The idea is that investors will always want high returns with minimum risk. Investors will look for investments with returns where the risk and volatility are particularly low. The way this risk is lowered is by investing in non-correlated assets. If an asset linked with high risk is paired with an investment whose value rises with the downfall of other investments, the risk of the overall portfolio is low.

You can add liquid assets to your portfolio as well. Let us say that you need money urgently, and your highly volatile investment is performing poorly. However, you are left with no option than to sell that investment. This will result in a substantial loss. High volatility assets perform well with high investment horizons. With liquid assets, you can let the highly volatile assets mature in due time to produce good returns.
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Conclusion: Like all things in life, your investments have risks too. Risk in investments could lead to scarring your finances terribly. Since there is no sure shot way to eliminate the risk, you can undoubtedly lower it by diversifying your investments across several assets or allocating assets with the help of an investment professional.

*Disclaimer: This article is published purely from an information perspective and it should not be deduced that the offering is available from DBS Bank India Limited or in partnership with any of its channel partners.

The purpose of this blog is not to provide advice but to provide information. Sound professional advice should be taken before making any investment decisions. The bank will not be responsible for any tax loss/other loss suffered by a person acting on the above.

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What Is Portfolio Risk? A Complete Guide By DBS Treasures

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Get a complete guide on how to calculate portfolio risk. Understand the types, causes, implications and strategies to manage risk, by DBS Treasures.

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Portfolio managers help people and institutions plan their investments intelligently and help them enhance the value of their investments over time. Read on to know more in detail about Portfolio Managers with DBS Treasures

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Key Takeaways: Many investors believe in hiring portfolio managers to create and manage portfolios on their behalf. Portfolio managers help people and institutions plan their investments intelligently and help them enhance the value of their investments over time. Should you be reaching out to a portfolio manager? Read on to find out.
Definition of Portfolio Manager

Portfolio managers build and manage investment allocations for their clients. - They may also work as per predetermined investment strategies that they devise to achieve the client's financial objectives.

What Portfolio Managers Do

Portfolio managers are responsible for the following:

1. Determine the Client's Objectives

Individuals usually make smaller investments and have shorter, more specific time horizons. On the other hand, institutions make larger investments and have a longer time horizon to remain invested. The portfolio manager's job is to communicate with each client to understand their investment horizon, desired returns and appetite to take risks.

2. Select the Right Mix of Asset Classes

A portfolio manager interacts with clients before deciding the most most suitable asset classes for them. For instance: equities, bonds, real estate, private equity, etc. They try to create a portfolio with a good balance of securities that can yield good returns while mitigating investment risks.

3. Perform Strategic Asset Allocation (SAA)

A portfolio manager strategically allocates assets depending on the customer's risk appetite. For instance: A portfolio can be 60% equities and 40% bonds, for investors who wish to create a balance between risks and returns. Another portfolio may comprise 80% assets allocated in equites, and 20% ind debt, if the investor wants aggressive returns and is comfortable risking the investment. Yet another investor may invest 80% in debt instruments generating steady returns, with only 20% assets allocated towards equities. There may be situations in which the portfolio manager may need to rebalance the asset ratios to achieve their client's financial objectives.

4. Conduct Tactical Asset Allocation (TAA) or Insured Asset Allocation (IAA)

Portfolio managers may opt to apply both strategies in a single portfolio. However, it cannot be at the same time as both approaches are contrasting investment philosophies.

5. Manage Risk

Assigning weights to asset classes also allows the Portfolio Manager to bring under control the following:

Security selection risk - This risk arises from the manager's SAA-related decisions. The only way for a portfolio manager to avoid this risk is to directly map against a market-index so that the asset class' returns are the same as the benchmark index's returns.

Investing style - The style risk arises out of the manager's style. A "growth" manager will outperform the benchmark indices during bull markets but would underperform the benchmark indices in bear markets. In contrast, "value" managers will find it challenging to beat benchmark indices during bull markets but will easily exceed market returns during the bear phase.

TAA risk of the portfolio - The only way for a portfolio manager to avoid TAA risk is to choose the same systematic risk - Beta (β) - as the benchmark index. By abdicating that path and opting to bet on TAA, the manager makes the portfolio more vulnerable to volatility, while also allowing for higher returns.

6. Measure Performance

The performance of a portfolio is measured using what is called the CAPM (Capital Asset Pricing Model) model. The CAPM performance measures can be derived using a regression of excess portfolio return on excess market return. This will help arrive at the systematic risk (β), the value-added expected return of the portfolio (α)and the residual risk. In simpler terms, the returns on the portfolio are measured against the returns of the market in the same time period.
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Skillsets Needed for Portfolio Management

Portfolio managers specialise in different areas of investing. They are:

1. Size of the Investment

Portfolio managers typically make investments based on the amount of assets or funds clients can allocate. They typically aim to allocate assets in a way that diversifies the investment, while generating maximum returns and mitigating risks.

2. Types of Investment Vehicles

All portfolio managers are responsible for managing assets like mutual funds, institutional funds, hedge funds, pension and trust funds, commodity and high net worth investment pools, etc.

3. Styles of Investing

Portfolio managers can also specialise in different investing styles or hedging techniques, growth or value management, management by market capitalisation (large-cap, small-cap, etc.), domestic and international fund investing, etc.

Skills to Look For in a Portfolio Manager

Portfolio managers are required to take important decisions and analyse several reports every day. There are many skills that they must have:

Innovation: All portfolio managers keep track of the index and news flow. They should be able to do exceptional research and know where to find information on potential investments that others may not know. There may be a tremendous potential value for investors who can find a good asset that others failed to spot.

Critical Thinking: Analysing research reports generated by financial analysts requires the portfolio manager to be a critical thinker. They must calculate strengths and weaknesses and predict opportunities and threats for each potential investment asset.

Decisiveness: Portfolio managers should be adept at assessing the different options available and make decisions with confidence.

Portfolio Management Services - Benefits for Customers
Are you looking for a wide suite of investment solutions to build your portfolio? With DBS Treasures, choose from a host of products to start your financial journey.
Portfolio managers have exceptional data interpretation skills coupled with an ability to conduct and understand high-quality financial research. They use their remarkable communication skills -to deliver strong portfolio performance for their customers. If you are looking for ways to grow your wealth over time, a portfolio manager could offer a proven and reliable way to do so.

*Disclaimer: This article is published purely from an information perspective and it should not be deduced that the offering is available from DBS Bank India Limited or in partnership with any of its channel partners.

The purpose of this blog is not to provide advice but to provide information. Sound professional advice should be taken before making any investment decisions. The bank will not be responsible for any tax loss/other loss suffered by a person acting on the above.

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Portfolio Manager: A Comprehensive Guide By DBS Treasures

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A Portfolio Manager plays a crutial role in delivering the best financial decisions for investors. Know more about the position and its responsibilities with DBS Treasures.

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Personal finance managers help you manage your finances better and ensures that your financial goals are constantly dynamic in different life stages. Read on to know more in detail about Personal Finance Managers with DBS Treasures

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Personal Financial Manager: Optimize Your Finances | DBS Treasures

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Personal Finance Manager – Find out what is a personal finance manager and why do people hire a personal finance manager. Visit DBS Treasures and know the role of a personal financial manager.

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Long-term investments are mostly investments that help you grow your corpus over time – 3, 5, 10, or more years.Read on to know more about the benefits and best investment plans for the long term with DBS Treasures

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Reading Time: 7 minutes

Key Takeaways: Long-term investments are mostly investments that help you grow your corpus over time - 3, 5, 10, or more years. Investors choose long-term investments to meet their long-term goals. Due to the extended investment durations, long-term investments help you generate inflation-adjusted returns while you benefit from the power of compounding. Common examples include fixed deposits, pension scheme investments, mutual funds, ULIPs and more.

Investing your money is undoubtedly the best way to accumulate wealth and secure your financial future. As an investor, you aim to earn high returns on your investment as quickly as possible. However, any investment that generates quick returns in a short duration is usually risky. Such an investment can jeopardise your capital, especially in an unpredictable market. This is why most investors tend to lean towards long-term investment plans. Let us find out more about long-term investments in this article.

What Are Long-Term Investments?

Long-term investments are financial instruments that come with investment durations exceeding one year. When you choose a long-term investment vehicle, you are essentially choosing to stay invested in the same security for a span of 3, 5, 10, or more years. A long-term investment allows you to fulfil your long-term goals. Creating long-term investment strategies is all about picking suitable investments and waiting them out patiently till you are ready to cash in to meet your financial goals.

There are several long-term investment options you can opt for depending upon your financial needs. You could go for the safest investment options, such as a Fixed Deposit and Public Provident Fund, or dial-up your risk (and potential returns) by investing in stocks and mutual funds.

What Are The Benefits Of Long-Term Investments Plans?

Staying invested for the long haul can lead to several benefits. They are as under:

Low risk

Staying invested for a longer duration minimises the risk of losing your capital investment amount. While no investment is immune to market fluctuations, a long-term investment gives you enough time to bounce back. In a long-term investment, the price of your stock is bound to grow.

Additionally, long-term investments give you time and opportunity to rectify your mistakes. Finally, you can expand and diversify your portfolio to balance out the loss incurred if and when required.

Informed investment decision which are based on facts and information will always yield you handsome returns in the long-term. You can simply invest in standard, good long-term investment stocks to ensure your investment is in the right hands.

Power of compounding

To benefit from the wonders of compounded returns, you must have a long-term strategy. The more time you give your investments to grow, the higher the amount you would get.

For example - Venkat invests INR 1,000 and earns a 5% dividend on this investment. In year one, Venkat makes INR 50, which he reinvests into his fund. In year two, his returns are INR 52.5 because he reinvested the INR 50 that he earned on his initial investment. If he continues reinvesting his returns over several years, Venkat could make a sizeable profit due to the power of compounding.

Tax Savings & Lower Expense Ratios

Long-term investment plans come with certain tax benefits too. In India, the gains generated through short-term investments are taxed higher than the tax rates applicable to long-term capital gains. So, with long-term investments, you can grow your wealth while saving on tax outgo. By creating a long-term investment account and following through with it, you can avail tax benefits under the Income Tax Act of India, 1961. Since you typically remain invested for several years in a long-term investment, you also end up saving a lot of money in trading fees and commission compared to short-term investments.

Easy and convenient

While investing in long-term investments, you do not require exceptional technical skills or incredible financial know-how. What you need is patience and a solid investment instrument that ensures you can fulfil the goals you intend to achieve. Once you make an informed investment decision, you can sit back, relax, and watch your money grow without worrying about anything. You can even set up a one-time, standing instruction with your bank to facilitate auto-debit of the investment amounts directly from your bank account so that you do not have to worry about the due date. Additionally, long-term investment plans are incredibly easy to buy. You can invest online via the internet or mobile banking.

Long-term goals

The crux of long-term investment is that it enables you to achieve your long-term financial goals. You can invest and accumulate funds for many significant life milestones like marriage, buying a home, creating a retirement corpus, etc. Long-term investment for a child is a common investment strategy opted by parents to pay for the higher education of their children.
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What Are The Best Investments Plans For The Long-Term?

There are several long-term investment options for you to choose from, depending on whether you want to accumulate wealth for your retirement, create a corpus to fund the expenses in your children's lives, and so on. Let us look into a few long-term investment plans:

Fixed Deposit

Almost every bank in India offers this traditional form of investment that is also considered one of the safest. With Fixed Deposits, you can invest any big or small amount for a fixed period and earn a fixed rate of return on it. You can choose investment durations lasting from 7 days to 10 years and earn interest ranging from 3% and 6.5% per annum. If your end-goal is creating a corpus through Fixed Deposits, you should opt for the cumulative FDs instead of those providing monthly or quarterly interest payments.

National Pension Scheme

NPS is a government-backed retirement-cum-pension scheme for providing regular income to investors after retirement. This investment option has two-fold benefits as it leads to wealth accumulation and provides a monthly pension when you retire. Additionally, this investment also qualifies for tax benefits.

Public Provident Fund

Deemed as one of the best long-term investment options, the PPF scheme is a risk-free investment option, which also generates decent returns. PPF, with its 15 years lock-in period, is one of the longest-duration investment vehicles in India. You can even extend the plan in blocks of five years. The government fixes the interest rate on PPF investments and reviews it each quarter. The interest on PPF is usually the highest among all types of deposit instruments. PPF comes with benefits like premature withdrawal after the 7th year of opening the account and tax deduction benefits of up to INR 150,000 under Section 80C.

Unit-Linked Insurance Plans

A ULIP is a long-term investment option that combines insurance and investment. In ULIPs, one portion of the premium you pay goes towards insurance, and the other is invested into debt markets and equities. ULIPs generate decent returns but are comparatively risky due to the portion invested in stocks and equities. ULIPs also offer tax benefits under Section 80C on premium payments up to INR 150,000.

Stock Funds - Mutual Funds and ETF

A mutual fund is an open-ended, professionally managed investment instrument. They enable you to diversify your investment due to the broad category of mutual funds available for investments, thus mitigating your investment risks. You can choose from equity, debt, hybrid, or thematic mutual funds. Also, you can invest via lumpsum or utilise the SIP (systematic investment plan) investment method, wherein each instalment can be as low as INR 500.

Exchange Traded Fund or ETF long-term investment is another good investment choice that is very similar to Mutual funds. The significant difference is that ETFs are listed on all the major stock market exchanges in India. You can buy and sell them per your requirement during the regular equity trading hours.

Stock Market Investment

A long-term equity investment is also a common and rewarding choice of investment in India. While it can be rewarding, stock market investments come with their fair share of risks. Also, you can spread the risk by creating a balanced and diversified portfolio, but such an investment will still require regular monitoring. However, there are many good long-term investment stocks available in the market, and you can invest in them after assessing your risk appetite. To earn profits from stock market investments, you should be prepared to stay invested for the long-term and not let short-term volatility deter you or influence your decision to exit a fund.

Real Estate

Real estate is and will always be one of the finest, safest, and time-tested long-term investment strategies. You can invest in any sector from hospitality to commercial, retail to housing and get guaranteed returns by staying invested for a longer-term. Note that real estate investments typically require lump sum investments. In essence, you need to spend a fortune to build a fortune.

You can choose the best investment plan for long-term from these varied options based on your investment objectives and risk capacity.

Things to Remember

Long-term investments enable you to earn decent returns while protecting your capital, making them less risky investment instruments. These investments are ideal for people with conservative risk appetites. You need to ensure you stick to the predetermined investment term to accrue the promised return rate. While you must hang on to your investments in the light of volatile market conditions, you must also not hesitate to sell off failing investments to reduce further losses.

Conclusion: When it comes to it, long-term investments are all about focusing on the future and keeping a long-term perspective. If you want someone who can understand and help you achieve your long-term financial goals, you should get in touch with an investment manager. With investment management facilities, you can carve your investment plan and ensure you can fulfil it per your investment objectives and risk profile.
Interested in more investment opportunities? Choose Asia's Safest Bank.
*Disclaimer: This article is published purely from an information perspective and it should not be deduced that the offering is available from DBS Bank India Limited or in partnership with any of its channel partners.

The purpose of this blog is not to provide advice but to provide information. Sound professional advice should be taken before making any investment decisions. The bank will not be responsible for any tax loss/other loss suffered by a person acting on the above.

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Good Long-Term Investment Stocks - Detailed Guide | DBS Treasures

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Long-Term Investment: Achieve your financial goals with DBS Treasures Long-Term Investment Plan. Grow your wealth with a diversified portfolio tailored to suit your needs. Get started!

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Investment managers are individuals or organizations that invest in security portfolios on behalf of their clients. Read on to know more about the types of Investment Managers with DBS Treasures

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Reading Time: 4 Minutes

Key Takeaways: Investment managers are individuals or organisations that invest in security portfolios on behalf of their clients. There are three types of investment managers - Personal Fund Managers, Business Fund Managers, and Corporate Fund Managers. Online investment managers, known as Robo-advisors, are automated investment platforms that make investment decisions based on algorithms.

An investment manager is an individual or organisation who invests in security portfolios on behalf of their clients. Also known as fund or asset managers, investment managers handle all activities related to managing client portfolios. They do so, keeping in mind the investment objectives, horizons, and risk profile of their clients.

Types of Investment Managers

Investment managers for funds are broadly classified into three types:

1. Personal Fund Managers

2. Business Fund Managers

3. Corporate Fund Managers

Each of these fund managers deals with a specific fund type as experts in their fields. Generally, personal fund managers deal with a smaller quantity of funds and work with multiple clients. As a client hiring an investment manager, you must consider factors such as the reputation of the manager, the fees they charge, their clientele, and so on.

Performance and Fees of an Investment Manager

The compensation or fees payable to an investment manager can be either management fees or performance fees, or a mix of both.

The fees that investment managers charge clients for managing specific investment funds are known as management fees. These fees typically compensate the managers for their time and expertise in managing a portfolio. However, they also include other expenses such as investor relations expenses and any administrative costs.

Investment managers also charge performance fees for generating good returns. Thus, it is unlike management fees which are paid to the managers irrespective of returns. Generally, performance fees are a certain percentage of the investor profits (realised and unrealised) or a percentage of the amount invested. Profit percentages are especially common among hedge fund investments.

What Does an Investment Manager Do?

The role of an investment manager involves financial planning, undertaking research, investing, day-to-day buying and selling of securities, portfolio monitoring and more. They, first, analyse your current financial status and accordingly set reasonable financial goals. Then, based on these goals, they devise strategies and conduct trades within portfolios to bring the best returns for you.

Moreover, they help answer any questions and concerns, offer valuable investment advice and help you make tough financial decisions. In simple words, investment managers assist with wealth augmentation through strategic investments.
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Key Responsibilities of an Investment Manager

Investment managers are at the heart of the investment industry and are responsible for investing and bringing good returns for their clients. Their key responsibilities include:

Portfolio Diversification

A significant feature of investment, portfolio diversification is a crucial responsibility of the investment manager. Diversifying ensures adequate risk distribution, a good balance between assets and liabilities and influences investing decisions in stocks and bonds.

Asset Allocation

Asset allocation involves investing funds in bonds, stocks, real estate and commodities. The amount of money you invest and the securities in which you invest, also known as asset classes, significantly impact the performance of the funds. Through asset allocation, you can determine the efficiency and success of a fund and the possible returns it can generate.

Research & Review

A crucial responsibility of an investment manager is to keep researching and staying up to date with the changing trends in the investment market. The manager must stay apprised about the state of the economy, study and be aware of the various financial products available, and present relevant investment opportunities.

Skills Needed in an Investment Manager

To become an investment manager for funds, one requires an undergraduate and a master's degree in business, economics, or finance. However, a degree can only help so much. The investment manager must also possess special innate skills to succeed in their role. These include:

Clear Communication

Investment management involves numbers and complex data. Thus, all managers should possess the skills to communicate their analysis and data to clients in a simplistic, sensible way.

Decisiveness

In the course of a business relationship, the investment manager will usually have the final say in several decisions. Therefore, managers need to be confident and make effective decisions on behalf of their clients whenever the need arises.

Mathematical Abilities

Investment managers work through tons of research every day. So naturally, they should be comfortable with numbers and good at math to identify trends and patterns quickly.

Practical Knowledge

Good investment managers must be aware of the intricacies of investments. They should know how to take calculated risks and explore new investment opportunities. They must base their investment decisions only after analysing and predicting data.

Online Investment Managers

With the advancement in technology, it is no surprise that financial services have also gone digital. Today many investment management firms offer Robo-advisory services, also known as online investment managers. These are automated investment platforms that make investment decisions based on algorithms. They help do all the legwork and are highly convenient, accessible, and affordable too. If you are a novice investor looking for a reasonably priced investment manager, then an online manager may just be the right fit for you! That said, you must do your due diligence and research before hiring a human or robotic investment advisor.
For safe and seamless online investments in India, choose Asia's Safest Bank.
*Disclaimer: This article is published purely from an information perspective and it should not be deduced that the offering is available from DBS Bank India Limited or in partnership with any of its channel partners.

The purpose of this blog is not to provide advice but to provide information. Sound professional advice should be taken before making any investment decisions. The bank will not be responsible for any tax loss/other loss suffered by a person acting on the above.

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Online Investment Manager: A Complete Guide | DBS Treasures

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Understand the basics of online investment management from DBS Treasures. Get insight on stocks, bonds, commodities and mutual funds through our complete guide.

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Asset Allocation essentially implies investing money in different securities, in different proportions, to mitigate your investment risks. Find out proper asset allocation strategies with DBS Treasures

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Reading Time: 4 minutes

Key Takeaways: The right way to go about investing is to devise a proper asset allocation strategy. Asset Allocation essentially implies investing money in different securities, in different proportions, to mitigate your investment risks. With proper asset allocation strategies, you can fulfil your investment goals per your risk appetite. Find out how to do asset allocation in this article.

An asset is any valuable thing or resource that helps you earn money. It grows in value over time and can be built by investing money in the right places. You can manage your assets by employing a sound asset allocation plan. Such a plan can help you achieve your financial goals while keeping your risk profile in check. Wondering what 'what is asset allocation'? This article can help you understand what it is and 'how to do asset allocation'.

What is Asset Allocation?

Many new investors often question 'what is tactical asset allocation'. Asset allocation refers to a strategic plan to invest your money while simultaneously balancing the risks and rewards. Even if you are an experienced investor, the sheer number of investment options can cause confusion regarding the right avenues to invest in. An asset allocation is a financial plan you create to build your investment portfolio. You can create a diverse investment portfolio per your risk profile, investment horizons, and objectives through asset allocation.

Importance Of Asset Allocation

Investments typically include assets such as cash, stocks, bonds, mutual funds and even real estate. The range of assets you own makes up your investment portfolio. Asset allocation is the plan that will help you assess how to mix your assets to create a portfolio that can offer you maximum returns.

Each asset offers you returns in different ways. Asset allocation helps you decide the investments that you should make to minimise risks. By creating an asset allocation strategy, you can determine whether you should invest in fixed-income securities, purchase equity, or other securities that can help you earn returns and grow your corpus. Analysing the risky assets and balancing them with fixed income assets is the fundamental point of asset allocation. It also helps you weigh out the long-term and short-term investments in your portfolio so that you can achieve your financial goals.

As an investor, you can employ different asset allocation strategies according to your requirements. Your risk profile should be a critical consideration while formulating your asset allocation strategy. You can also use online tools such as asset allocation calculators to analyse your risk-taking capabilities and weigh them against your investment capabilities.
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What is Age-based Asset Allocation?

As the name suggests, age-based asset allocation depends on the age of an investor. The essence of this investment strategy is that you would be able to take higher risks and invest in equities when you are younger. Conversely, when you are older and have limited income sources, could opt for debt and fixed income securities. A general rule of thumb is to subtract your age from 100 to determine the ratio of equity to debt or fixed-income investments. Here is an example.

Suppose you are a 32-year-old devising an asset allocation plan. In this case, you would invest 68% of your funds towards riskier assets and allocate the rest towards fixed-income investments. Following this method is useful when investors approach their retirement age and need secure income sources. If you own riskier assets when you are younger, you can cover up your losses over time.

Achieving Allocation Through Life-Cycle Funds

A Life-Cycle Fund is a mutual fund asset allocation strategy. The proportion of assets you invest in life-cycle mutual funds gets adjusted automatically as your age increases. In this strategy, the risk levels reduce as you begin approaching retirement age. In the initial stages, the assets are allocated towards more aggressive investments such as equities. This strategy gets reversed with time, and in the latter stage, asset allocation in fixed-income investments is predominant.

How To Do Asset Allocation?

Create a financial goal

Formulating an investment goal is a crucial step as it helps you to allocate your assets strategically.

Analyse your risk profile

Your risk appetite also helps you decide whether to allocate your assets in equity or debt securities. Risky investments can lead to higher returns but can put your capital amount at risk. On the other hand, fixed-income assets generate stable, but lower returns and are ideal for conservative investors.

Consider your investment horizon

Determining an investment horizon or duration can help you fulfil your time-sensitive financial goals. Longer-term investments, wherein you reinvest your returns, can help you benefit from the power of compounding. This, in turn, leads to the creation of a bigger corpus.

Beyond Strategic Asset Allocation

Strategic asset allocation is a plan where you allocate your various assets with fixed individual targets. The objective is to achieve your investment goals within the specific investment horizons and earn decent returns. Just as it is essential to allocate assets wisely, so is it necessary to review your investments frequently. Upon achieving targets related to specific assets, you can rebalance your portfolio to align with your new goals.

Conclusion: With proper asset allocation, you can fulfil your financial goals and grow your wealth. Asset allocation does not follow any set rules or methods and depends on your personal goals and risk capabilities. If you understand the investment market, you can create your own asset allocation plan. If not, it is best to obtain the services of an investment advisor.
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*Disclaimer: This article is published purely from an information perspective and it should not be deduced that the offering is available from DBS Bank India Limited or in partnership with any of its channel partners.

The purpose of this blog is not to provide advice but to provide information. Sound professional advice should be taken before making any investment decisions. The bank will not be responsible for any tax loss/other loss suffered by a person acting on the above.

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What Is An Asset Allocation & Its Importance DBS Treasures

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Understand about asset allocation & how you can take advantage of it with DBS Treasures. Our experts explain the strategies & how to grow your investments smoothly. Get started now!