Articles
Load More
Frequently Asked Questions
To cater the tailored made portfolio management services to both individual and institutional client, IDLC Investments Ltd. has been offering Discretionary Portfolio Management (DPM) services since 2007. With a group of experienced fund managers, IDLC is managing funds on behalf of the investors, formulating appropriate investment strategies, constructing and rebalancing portfolio, monitoring market perspective on a regular basis, actively managing risk and optimally diversifying every portfolio.
DPM products of IDLC investments Limited:
MAXCAP
Capital Protected Scheme
Profit-Loss sharing Scheme
Portfolio Advisory Service
Easy Invest
MAXCAP
Capital Protected Scheme
Profit-Loss sharing Scheme
Portfolio Advisory Service
Easy Invest
DPM products are ideally suitable for any individual/institutions having little or no experience of investing in the Bangladesh Capital Market. Those investors, who cannot manage their own portfolio due to time constraints, can also invest here to achieve higher return through fund manager’s expertise. From Institution perspective, Company Provident Funds can also invest 25% of their investable amount.
For the following reasons, one should invest in stock market:
Possibility of higher return in long term investment
Opportunity for investment diversification
Allowed for Tax rebate
Capital gain is totally tax exempted
Liquidity to investor’s fund
Possibility of higher return in long term investment
Opportunity for investment diversification
Allowed for Tax rebate
Capital gain is totally tax exempted
Liquidity to investor’s fund
DPM has the diversified product portfolio for investors, which provides stress free investment opportunity managed by professional fund managers with following propositions:
12 Years’ strong track record of 19% average return
18 years’ experienced FMs headed by a CFA holder
Dedicated trade terminals with experienced traders
Better return than deposit rate in long term investment horizon
Private placement/IPO
Lower brokerage fee
12 Years’ strong track record of 19% average return
18 years’ experienced FMs headed by a CFA holder
Dedicated trade terminals with experienced traders
Better return than deposit rate in long term investment horizon
Private placement/IPO
Lower brokerage fee
It is not possible to assure any kind of return in stock market like FDR; but DPM has capability of providing higher return than any other investment vehicles. DPM has 12 years’ strong track record of generating average return 19% and achieved highest return of 78% in 2010.
Short term return may not be possible but Studies show that timely investments in stocks with strong fundamentals have been very profitable for investors in the long term. From January’07 to June’18, SQURPHARMA, one of the Blue Chips, generated almost 16 times return and BATBC, another Blue Chips, generated almost 49 times return. So, Long term capital market investment in good stocks always brings higher return than any other investment vehicles.
DPM has the “Profit-Loss Sharing Scheme”, which has the features of investment, profit/loss sharing between client and IDLCIL. Portfolio will be constructed based on maximum 70% fund participation from client and minimum 30% from IDLCIL. So, profit/loss will be shared according to investment ratio.
YES. DPM has the uniquely structured product for capital protection- “Capital Protected Scheme”. 100% capital protection is guaranteed with higher growth potential. There is zero downside risk and has possibility of handsome capital gain after 4.3 years.
DPM has “Portfolio Advisory Service”, where client’s portfolio is reconstructed and nurtured according to portfolio condition and investor’s motive. It is a value-added service offered to clients who seek to a high-quality portfolio management advisory and research support.
Yes; there is lock-in period of 2 years in “MAXCAP”, “Profit-Loss Sharing” and “Portfolio Advisory Service” account and 4.3 years in “Capital Protected Scheme”.
DPM discourages its clients for fund withdrawal within lock-in period. In case of emergency, it is possible to withdraw/close account within lock in period paying a certain amount of early exit fee. Early exit fees as follows:
MAXCAP: 0.50% on withdrawal amount
Profit-Loss Sharing Scheme: 5.00% on withdrawal amount
Capital Protected Scheme: 2.00% on withdrawal amount
MAXCAP: 0.50% on withdrawal amount
Profit-Loss Sharing Scheme: 5.00% on withdrawal amount
Capital Protected Scheme: 2.00% on withdrawal amount
Additional deposit is allowed in “MAXCAP” and “Portfolio Advisory Services”, whenever clients want; but it is not possible to provide additional deposit in “Profit-Loss Sharing Scheme” and Capital Protected Scheme”. Though, clients can open another scheme under “Profit-Loss Sharing Scheme” and Capital Protected Scheme”.
According to policy, portfolio and transaction statements will be sent to the clients on quarterly basis. Although, clients can access his/her weekly portfolio from our web portal (https://i-trade.idlc.com/)
DPM discourages its clients for fund withdrawal within lock-in period, whether it is profit or part of initial deposit. In case of emergency, it is possible to withdraw fund within lock-in period paying a certain amount of early exit fee.
Easy Invest is a discretionary portfolio management product that will build your portfolio over time, with small investments at regular intervals. As fund manager, IDLC will follow a disciplined and structured investment process, and reduce the risk of market volatility.
Any Bangladeshi Individual (over 18 years old)
Institutions/Provident fund
Institutions/Provident fund
Possibility of higher return in long-term investment. Return of Fixed Deposit just covers the inflation.
Allowed for Tax rebate
Capital gain is totally tax exempted
Allowed for Tax rebate
Capital gain is totally tax exempted
15 Years’ strong track record with a 17% simple average return
A dedicated expert research team
The ‘Investment Committee’ comprises fund managers who have more than 24 years experience in the local capital market
A dedicated expert research team
The ‘Investment Committee’ comprises fund managers who have more than 24 years experience in the local capital market
The fund will be invested in selected blue chip stocks, which have proven corporate governance, good performance history and growth potential.
Individual capital gain is tax exempted. You can get a 15% tax rebate on 20% or up to BDT 1.00 Cr. investment of total taxable income (As per the proposed budget). The actual details follow as:
*Based on the proposed budget for 2022-23.
Total Income Eligible Investment Amount Rate of Rebate
Up to 10 lac Up to BDT 2.5 lac 15%
10 lac – 30 lac For the first BDT 2.5 lac 15%
Remaining 12%
30 lac and above For the first BDT 2.5 lac 15%
For the next BDT 5 lac 12%
Remaining 10%
For example:
Taxable Income Tax Liability Eligible Taxable Income (25% of Taxable Income) Total Tax Rebate (If 25% Invested) Final Tax Liability
1,000,000 92,500 250,000 37,500 55,000
1,500,000 185,000 375,000 52,500 132,500
3,500,000 672,500 875,000 125,000 547,500
*Based on the Income Tax Paripatra for financial year 2018-19.
*Based on the proposed budget for 2022-23.
Total Income Eligible Investment Amount Rate of Rebate
Up to 10 lac Up to BDT 2.5 lac 15%
10 lac – 30 lac For the first BDT 2.5 lac 15%
Remaining 12%
30 lac and above For the first BDT 2.5 lac 15%
For the next BDT 5 lac 12%
Remaining 10%
For example:
Taxable Income Tax Liability Eligible Taxable Income (25% of Taxable Income) Total Tax Rebate (If 25% Invested) Final Tax Liability
1,000,000 92,500 250,000 37,500 55,000
1,500,000 185,000 375,000 52,500 132,500
3,500,000 672,500 875,000 125,000 547,500
*Based on the Income Tax Paripatra for financial year 2018-19.
It is not possible to assure any kind of return in stock market like FDR/DPS; but IDLC has 15 years’ strong track record of generating simple average return of 17%.
Capital market investment is subject to market risk and there is probability of loss. However, risk can be reduced by cost averaging irrespective of market conditions. Also, Investing over a long time horizon in selective blue chip stocks will minimize the downside risk.
Portfolio and transaction statement will be sent to the clients on quarterly basis (April, July, October, and January) through E-mail. Although, clients can access his/her weekly portfolio from our web portal (https://i-trade.idlc.com/)
Yes, you can deposit any amount as additional investment in your account at any time during the lifetime of the scheme.
The investment amount will be collected through Direct Debit Instruction (Auto Debit) from the client’s bank account electronically. There is no need for the physical submission of cheques. The collection date will be the 7th of every month (If the 7th of any month is a holiday/weekend, it will be collected on the following working day). If 1st fund pulling is unsuccessful, 2nd collection will be on the 25th of each month.
(If the date of fund pulling is a holiday/weekend, it will be collected on the following working day)
(If the date of fund pulling is a holiday/weekend, it will be collected on the following working day)
Yes, IDLCIL will notify through SMS prior to your payment due date and for non-payment reported by the bank.
Management fee will be accrued daily as (3.0/360) % = 0.0083% on daily market value of the portfolio. It will be charged quarterly.
Yes. The charges will be deducted from the account time to time. You do not need to make any payment for fee and charges separately.
The longer you keep the money invested, the faster it will grow. The investment starts to earn returns and these returns again start to earn money. Power of compounding will be the tool that generally makes a small sum grow to large amount.
Disciplined and periodic investment brings more return than one-off lump sum investment. Let’s have a look at the following example:
Month Price Easy Invest Investor One Off Investor
Amount Invested Quantity Accumulated Amount Invested Quantity Accumulated
Jan 10 3000 300 18000 1800
Feb 11 3000 272
Mar 9 3000 333
Apr 8 3000 375
May 8 3000 375
Jun 11 3000 272
Total quantity accumulated 1,927 1,800
Market value of investment 21,197 19,800
Current market price 11 11
Avg. Costing/stock 9.3 10
Return % 18% 10%
Periodic investment through Easy Invest will make 8% more return than one-off lump sum investment in this example.
Month Price Easy Invest Investor One Off Investor
Amount Invested Quantity Accumulated Amount Invested Quantity Accumulated
Jan 10 3000 300 18000 1800
Feb 11 3000 272
Mar 9 3000 333
Apr 8 3000 375
May 8 3000 375
Jun 11 3000 272
Total quantity accumulated 1,927 1,800
Market value of investment 21,197 19,800
Current market price 11 11
Avg. Costing/stock 9.3 10
Return % 18% 10%
Periodic investment through Easy Invest will make 8% more return than one-off lump sum investment in this example.
We will keep managing your fund, you have the option for payment of unpaid installment without any fee at any period.
The account will be renewed after expiry of the scheme with no time bar unless client requests for closure. Total asset value of the portfolio will be paid to clients at the time of closure. The client also has option to change tenure and monthly installment amount of the plan during or after expiry of the scheme.
Preferred payment mode to clients is BEFTN; However, Cheque may be issued on client’s requirement.
Yes; Accidental Death and Disability Insurance Coverage (up to BDT 1 Lac per year) is attached with this product. It is “optional”.
Yes; you need to submit an application for the proposed change.
No margin loan will be provided.
IDLC will follow mostly “Buy and Hold” strategy.
• 1 Passport Size Photograph of Applicant (Applicant’s signature and name in block letter)
• 1 Passport Size Photograph of Nominee (Attested by the Applicant)
• Photocopy of National ID (Applicant and Nominee). In case the nominee is minor, a document of guardian must be provided by the applicant
• If National ID is not available, Photocopy of Passport/Driving License/Nationality Certificate with attested photo and Bank Certificate needs to be provided
• Cheque Leaf/Bank Statement/Bank Certificate
• Photocopy of Employee ID Card/Letter of Introduction from Employer/Visiting Card/Approval of Operational Head (if Applicant is a service holder)
• Trade License (if Applicant is a business person)
• 12 Digit Tin Certificate (Optional)
• If Applicant is Housewife and does not have own income source, then the following documents are required to verify the source of fund:
• National ID of Husband
• Photocopy of Employee ID Card/Letter of Introduction from Employer/Visiting Card/Approval of Operational Head (if Husband is a service holder)
• Trade License (if Husband is a business person)
• If the applicant is Retired Person, then the following document is required to verify the source of fund:
• Release Letter/Employee ID Card/Visiting Card from the last employer
• 1 Passport Size Photograph of Nominee (Attested by the Applicant)
• Photocopy of National ID (Applicant and Nominee). In case the nominee is minor, a document of guardian must be provided by the applicant
• If National ID is not available, Photocopy of Passport/Driving License/Nationality Certificate with attested photo and Bank Certificate needs to be provided
• Cheque Leaf/Bank Statement/Bank Certificate
• Photocopy of Employee ID Card/Letter of Introduction from Employer/Visiting Card/Approval of Operational Head (if Applicant is a service holder)
• Trade License (if Applicant is a business person)
• 12 Digit Tin Certificate (Optional)
• If Applicant is Housewife and does not have own income source, then the following documents are required to verify the source of fund:
• National ID of Husband
• Photocopy of Employee ID Card/Letter of Introduction from Employer/Visiting Card/Approval of Operational Head (if Husband is a service holder)
• Trade License (if Husband is a business person)
• If the applicant is Retired Person, then the following document is required to verify the source of fund:
• Release Letter/Employee ID Card/Visiting Card from the last employer
Due to regulatory requirements, you must have a bank account in your name to open an Easy Invest account.
You can withdraw your investment with the return at any time. No early exit fee is applicable.
There are no early exit fees.
After getting the closure request from investor, your portfolio will be liquidated at market price and the fund will be handed over to you at your preferred method within 5 working days. If there is any receivables, like dividend or refund from IPO application, maximum withdrawal will be processed within 5 working days. The rest of the amount will be transferred after getting the receivables from respective company.
> Your equity is calculated by deducting your debt balance from the current market value of your securities and your purchase power is calculated based on the 50% of your equity.
> Yes, you can appoint an authorized person to act on behalf of you as per certain terms and conditions informed in the agreement.
> IDLCIL will send updated portfolio statement to your registered email address every day-end. It can also be viewed through IDLCIL’s online platform “i-Trade”. Trade confirmation (Order execution status) will be informed through email and SMS. Additionally, reports can be received any time on demand.
> Possibility of higher return from long-term investment. Return of Fixed Deposit just covers the inflation.
> Allowed for Tax rebate.
> Capital gain is totally tax exempted for individual.
> Allowed for Tax rebate.
> Capital gain is totally tax exempted for individual.
> As per the regulatory requirements, you must have a bank account in your name to open an Investment account.
> Mark-to-Market (MTM) is a gradual adjustment process to protect client’s equity level. If equity level drops, deposit or partial sell will be required by the next working day to raise it. Any margin loan account having Equity to Debt ratio (ED ratio) below 30% will be under auto adjustment through daily Mark-to-Market (MTM). However, MTM may be executed by the portfolio manager on the real time basis.
> There is no guarantee of return. Return is linked to the market scenario and your investment decision.
> As a client, you will have the absolute power to take your own investment decisions. However, your investment shall remain within the ‘Approved List of Securities (ALOS)’ which will be updated and provided by your Portfolio Manager from time to time.
> You can place your orders through physically submitting the order slip to our customer desks or by telephone and via email that you have registered with us.
> Investors are the sole risk bearer. Portfolio manager would take reasonable steps to minimize such risk.
Yes, you can cancel or modify your orders depending on the execution status of your orders at that time.
> 50% of client’s equity.
> Any adult citizen of Bangladesh or corporate body can open an account with IDLC Investments Limited.
> Yes, anytime.
Easy Invest is a discretionary portfolio management product that will build your portfolio over time, with small investments at regular intervals. As fund manager, IDLC will follow a disciplined and structured investment process, and reduce the risk of market volatility.
Any Bangladeshi Individual (over 18 years old)
Institutions/Provident fund
Institutions/Provident fund
Possibility of higher return in long-term investment. Return of Fixed Deposit just covers the inflation.
Allowed for Tax rebate
Capital gain is totally tax exempted
Allowed for Tax rebate
Capital gain is totally tax exempted
Dedicated expert research team
The ‘Investment Committee’ comprises of fund managers who have more than 18 years’ experience in local capital market
The ‘Investment Committee’ comprises of fund managers who have more than 18 years’ experience in local capital market
The fund will be invested in selected blue chip stocks, which have proven corporate governance, good performance history and growth potential.
It is not possible to assure any kind of return in stock market like FDR/DPS; but IDLC has 12 years’ strong track record of beating the market index.
Capital market investment is subject to market risk and there is probability of loss. However, risk can be reduced by cost averaging irrespective of market conditions. Also, Investing over a long time horizon in selective blue chip stocks will minimize the downside risk.
Portfolio and transaction statement will be sent to the clients on quarterly basis (April, July, October, and January) through E-mail. Although, clients can access his/her weekly portfolio from our web portal (https://i-trade.idlc.com/)
Yes, you can deposit any amount as additional investment in your account at any time during the lifetime of the scheme.
The investment amount will be collected through Direct Debit Instruction (Auto Debit) from the client’s bank account electronically. There is no need of physical submission of cheques. Collection date will be 7th of every month (If 7th of any month is holiday/weekend, it will be collected on following working day).
Yes, IDLCIL will notify through SMS prior to your payment due date and for non-payment reported by the bank.
Management fee will be accrued daily as (3.0/360) % = 0.0083% on daily market value of the portfolio. It will be charged quarterly.
Yes. The charges will be deducted from the account time to time. You do not need to make any payment for fee and charges separately.
The longer you keep the money invested, the faster it will grow. The investment starts to earn returns and these returns again start to earn money. Power of compounding will be the tool that generally makes a small sum grow to large amount.
Disciplined and periodic investment brings more return than one-off lump sum investment. Let’s have a look at the following example:
Month Price Easy Invest Investor One Off Investor
Amount Invested Quantity Accumulated Amount Invested Quantity Accumulated
Jan 10 3000 300 18000 1800
Feb 11 3000 272
Mar 9 3000 333
Apr 8 3000 375
May 8 3000 375
Jun 11 3000 272
Total quantity accumulated 1,927 1,800
Market value of investment 21,197 19,800
Current market price 11 11
Avg. Costing/stock 9.3 10
Return % 18% 10%
Periodic investment through Easy Invest will make 8% more return than one-off lump sum investment in this example.
Month Price Easy Invest Investor One Off Investor
Amount Invested Quantity Accumulated Amount Invested Quantity Accumulated
Jan 10 3000 300 18000 1800
Feb 11 3000 272
Mar 9 3000 333
Apr 8 3000 375
May 8 3000 375
Jun 11 3000 272
Total quantity accumulated 1,927 1,800
Market value of investment 21,197 19,800
Current market price 11 11
Avg. Costing/stock 9.3 10
Return % 18% 10%
Periodic investment through Easy Invest will make 8% more return than one-off lump sum investment in this example.
If monthly installment is unpaid for consecutive 6 months, account will be deactivated.
The account will be renewed after expiry of the scheme with no time bar unless client requests for closure. Total asset value of the portfolio will be paid to clients at the time of closure.
Preferred payment mode to clients is BEFTN; However, Cheque may be issued on client’s requirement.
Yes; Accidental Death and Disability Insurance Coverage (up to BDT 1 Lac per year) is attached with this product. It is “optional”.
Yes; you need to submit an application for the proposed change.
No margin loan will be provided.
IDLC will follow mostly “Buy and Hold” strategy.
• 2 Passport Size Photographs of Applicant (Applicant’s signature and name in block letter)
• 1 Passport Size Photograph of Nominee (Attested by the Applicant)
• Copy of National ID (Applicant and Nominee)
• Cheque Leaf/Bank Statement/Bank Certificate
• Photocopy of Employee ID Card/Letter of Introduction from Employer/Visiting Card/Approval of Operational Head (if Applicant is a service holder)
• 12 Digit Tin Certificate (Optional)
*Based on profession, additional supporting documents may be required. For a complete list, please click here.
• 1 Passport Size Photograph of Nominee (Attested by the Applicant)
• Copy of National ID (Applicant and Nominee)
• Cheque Leaf/Bank Statement/Bank Certificate
• Photocopy of Employee ID Card/Letter of Introduction from Employer/Visiting Card/Approval of Operational Head (if Applicant is a service holder)
• 12 Digit Tin Certificate (Optional)
*Based on profession, additional supporting documents may be required. For a complete list, please click here.
Due to regulatory requirements, you must have a bank account in your name to open an Easy Invest account.
You can withdraw your investment with return at any time.
There are no early exit fees.
After getting the closure request from investor, your portfolio will be liquidated at market price and the fund will be handed over to you at your preferred method within 5 working days. If there is any receivables, like dividend or refund from IPO application, maximum withdrawal will be processed within 5 working days. The rest of the amount will be transferred after getting the receivables from respective company.
MAXCAP is a personalized discretionary investment account for individuals and institutional clients. IDLC Investments Limited-your portfolio manager, will follow a disciplined investment process and structured approach to build your portfolio, tailored to your specific needs and constraints.
Any Bangladeshi Individual (over 18 years old)
Institutions/Provident fund
Institutions/Provident fund
Possibility of higher return from long-term investment. Return of Fixed Deposit just covers the inflation.
Allowed for Tax rebate
Capital gain is totally tax exempted for individuals
Allowed for Tax rebate
Capital gain is totally tax exempted for individuals
16 Years’ strong track record with 16% simple average return
Achieved 24.2% return in 2020 and 22.5% in 2021
The ‘Investment Committee’ comprises of fund managers who have more than 20 years’ experience in local capital market
Achieved 24.2% return in 2020 and 22.5% in 2021
The ‘Investment Committee’ comprises of fund managers who have more than 20 years’ experience in local capital market
The ideal investment horizon will be 5 years. Investing over a long time horizon in selected blue chip stocks will minimize downside risk and ensure better return in bearish and bullish spell.
Your Portfolio Manager will invest in Treasury Bonds and/or Equity Securities approved by the Bangladesh Securities and Exchange Commission and/or Bangladesh Bank.
Individual capital gain is tax exempted. You can get 15% tax rebate by investing 20% of your total taxable income. You may claim rebate up to BDT. 10.00 lac.
For investment in Treasury bond, you will get fixed return until maturity at the rate of coupon of that bond. Thus, fixed return is possible through investing in Treasury bond.
On the other hand, it is not possible to assure any kind of return in stock market like FDR/DPS; but IDLC has 16 years’ strong track record of generating average return of 16%.
On the other hand, it is not possible to assure any kind of return in stock market like FDR/DPS; but IDLC has 16 years’ strong track record of generating average return of 16%.
For investment in Treasury bond, you will get fixed return until maturity at the rate of coupon of that bond. In case of early encashment before maturity, capital gain or loss may be arisen depending on interest rate scenario.
Capital market investment is subject to market risk and there is probability of loss. However, IDLC follows research based disciplined investment process to maximize your return.
Capital market investment is subject to market risk and there is probability of loss. However, IDLC follows research based disciplined investment process to maximize your return.
Portfolio and transaction statement will be sent to the clients on quarterly basis (April, July, October, and January) through E-mail. Although, clients can access his/her weekly portfolio from our web portal (https://i-trade.idlc.com/)
Yes. The charges will be deducted from the account time to time. You do not need to make any payment for fee and charges separately.
The account will be renewed after expiry of the scheme with no time bar unless client requests for closure. Total asset value of the portfolio will be paid to client at the time of closure.
Preferred payment mode to clients is BEFTN (Bangladesh Electronic Funds Transfer Network)/RTGS (Real Time Gross Settlement).
IDLC will follow mostly “Buy and Hold” strategy.
You can withdraw your investment at any time without any sort of charges. It may take minimum 5 (Five) working days to transfer the amount.
After receiving the closure request from investor, your portfolio will be liquidated at market price and the fund will be handed over to you at your preferred method within 5 working days. If there is any receivables, like dividend or refund from IPO application, maximum withdrawal will be processed within 5 working days. The rest of the amount will be transferred after getting the receivables from respective company.
There is no lock-in period but we strongly suggest you invest for a long time horizon at least for 5 years.
As a client of "MAXCAP" you need to withstand the risk of volatile portfolio performance. However, your portfolio manager will be responsible for undertaking diligent risk control measures. Once bought, interest rate will be fixed for the remaining tenure in case of Treasury bond.
DPM has the uniquely structured product for capital protection- “Capital Protected Scheme”. 100% capital protection is guaranteed with higher growth potential. There is zero downside risk and has possibility of handsome capital gain after 5 years.
Any Bangladeshi Individual (over 18 years old)
Institutions/Provident fund
Institutions/Provident fund
Possibility of higher return from long-term investment. Return of Fixed Deposit just covers the inflation.
Allowed for Tax rebate
Capital gain is totally tax exempted for individuals
Allowed for Tax rebate
Capital gain is totally tax exempted for individuals
16 Years’ strong track record with 16% simple average return
Dedicated expert research team
The ‘Investment Committee’ comprises of fund managers who have more than 20 years’ experience in local capital market
Dedicated expert research team
The ‘Investment Committee’ comprises of fund managers who have more than 20 years’ experience in local capital market
The fund will be invested in selected blue chip stocks, which have proven corporate governance, good performance history and growth potential.
It is not possible to assure any kind of return in stock market like FDR/DPS; but IDLC has 12 years’ strong track record of generating average return of 18.4%.
Portfolio and transaction statement will be sent to the clients on quarterly basis (April, July, October, and January) through E-mail. Although, clients can access his/her weekly portfolio from our web portal (https://i-trade.idlc.com/)
Yes. The charges will be deducted from the account time to time. You do not need to make any payment for fee and charges separately.
The account will be renewed after expiry of the scheme with no time bar unless client requests for closure. Total asset value of the portfolio will be paid to client at the time of closure.
Preferred payment mode to clients is BEFTN (Bangladesh Electronic Funds Transfer Network).
IDLC will follow mostly “Buy and Hold” strategy.
You can withdraw your investment at any time without any fees but if you withdraw before 5 years you will not get any capital protection.
After receiving the closure request from investor, your portfolio will be liquidated at market price and the fund will be handed over to you at your preferred method within 5 working days. If there is any receivables, like dividend or refund from IPO application, maximum withdrawal will be processed within 5 working days. The rest of the amount will be transferred after getting the receivables from respective company.
There is no lock-in period but we strongly suggest you invest for a long time horizon at least for 5 years.
Yes, you will get tax rebate facilities on capital market investment portion only.
“Profit-Loss Sharing Scheme”, which has the features of investment, profit/loss sharing between client and IDLCIL. Portfolio will be constructed based on maximum 70% fund participation from client and minimum 30% from IDLCIL. So, profit/loss will be shared according to investment ratio.
Any Bangladeshi Individual (over 18 years old)
Institutions/Provident fund
Institutions/Provident fund
Possibility of higher return from long-term investment. Return of Fixed Deposit just covers the inflation.
Allowed for Tax rebate
Capital gain is totally tax exempted for individuals
Allowed for Tax rebate
Capital gain is totally tax exempted for individuals
The fund will be invested in selected blue chip stocks, which have proven corporate governance, good performance history and growth potential.
Individual capital gain is tax exempted. You can get 15% tax rebate by investing 20% of your total taxable income. You may claim rebate up to BDT. 10.00 lac. The actual details follows as:
*Based on the proposed budget of 2022-23.
Total Income Rate of Rebate
Up to 15 lac 15% on eligible amount
15 lac and above 10% on eligible amount
*Based on the Income Tax Paripatra for financial year 2019-20.
*Based on the proposed budget of 2022-23.
Total Income Rate of Rebate
Up to 15 lac 15% on eligible amount
15 lac and above 10% on eligible amount
*Based on the Income Tax Paripatra for financial year 2019-20.
It is not possible to assure any kind of return in stock market like FDR/DPS; but IDLC has 15 years’ strong track record of generating average return of 17%.
Capital market investment is subject to market risk and there is probability of loss. However, risk can be reduced by cost averaging irrespective of market conditions. Also, Investing over a long time horizon in selective blue chip stocks will minimize the downside risk.
Portfolio and transaction statement will be sent to the clients on quarterly basis (April, July, October, and January) through E-mail. Although, clients can access his/her weekly portfolio from our web portal (https://i-trade.idlc.com/)
Yes. The charges will be deducted from the account time to time. You do not need to make any payment for fee and charges separately.
The account will be renewed after expiry of the scheme with no time bar unless client requests for closure. Total asset value of the portfolio will be paid to client at the time of closure.
Preferred payment mode to clients is BEFTN (Bangladesh Electronic Funds Transfer Network).
IDLC will follow mostly “Buy and Hold” strategy.
After receiving the closure request from investor, your portfolio will be liquidated at market price and the fund will be handed over to you at your preferred method within 5 working days. If there is any receivables, like dividend or refund from IPO application, maximum withdrawal will be processed within 5 working days. The rest of the amount will be transferred after getting the receivables from respective company.
There is no lock-in period but we strongly suggest you invest for a long time horizon at least for 5 years.
DPM has “Portfolio Advisory Service”, where client’s portfolio is reconstructed and nurtured according to portfolio condition and investor’s motive. It is a value-added service offered to clients who seek to a high-quality portfolio management advisory and research support.
Any Bangladeshi Individual (over 18 years old)
Institutions/Provident fund
Institutions/Provident fund
Possibility of higher return from long-term investment. Return of Fixed Deposit just covers the inflation.
Allowed for Tax rebate
Capital gain is totally tax exempted for individuals
Allowed for Tax rebate
Capital gain is totally tax exempted for individuals
16 Years’ strong track record with 16% simple average return
Dedicated expert research team
The ‘Investment Committee’ comprises of fund managers who have more than 20 years’ experience in local capital market
Dedicated expert research team
The ‘Investment Committee’ comprises of fund managers who have more than 20 years’ experience in local capital market
The ideal investment horizon will be 5 years. Investing over a long time horizon in selected blue chip stocks will minimize downside risk and ensure better return in bearish and bullish spell.
The fund will be invested in selected blue chip stocks, which have proven corporate governance, good performance history and growth potential.
Individual capital gain is tax exempted. You can get 15% tax rebate by investing 20% of your total taxable income. You may claim rebate up to BDT. 10.00 lac. The actual details follows as:
*Based on the proposed budget of 2022-23.
Total Income Rate of Rebate
Up to 15 lac 15% on eligible amount
15 lac and above 10% on eligible amount
*Based on the Income Tax Paripatra for financial year 2019-20.
*Based on the proposed budget of 2022-23.
Total Income Rate of Rebate
Up to 15 lac 15% on eligible amount
15 lac and above 10% on eligible amount
*Based on the Income Tax Paripatra for financial year 2019-20.
It is not possible to assure any kind of return in stock market like FDR/DPS; but IDLC has 15 years’ strong track record of generating average return of 17%.
Yes. The charges will be deducted from the account time to time. You do not need to make any payment for fee and charges separately.
The account will be renewed after expiry of the scheme with no time bar unless client requests for closure. Total asset value of the portfolio will be paid to client at the time of closure.
Preferred payment mode to clients is BEFTN (Bangladesh Electronic Funds Transfer Network).
IDLC will follow mostly “Buy and Hold” strategy.
You can withdraw your investment at any time without any sort of charges. It may take minimum 5 (Four) working days to transfer the amount.
After receiving the closure request from investor, your portfolio will be liquidated at market price and the fund will be handed over to you at your preferred method within 5 working days. If there is any receivables, like dividend or refund from IPO application, maximum withdrawal will be processed within 5 working days. The rest of the amount will be transferred after getting the receivables from respective company.
There is no lock-in period but we strongly suggest you invest for a long time horizon at least for 5 years.
As a client of "Portfolio Advisory Service" you need to withstand the risk of volatile portfolio performance. However, your portfolio manager will be responsible for undertaking diligent risk control measures.