The organisations we have worked with
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:
Capital Protected Scheme
Profit-Loss sharing Scheme
Portfolio Advisory Service
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
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
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
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. It is not possible to provide any kind of statement before quarter end.
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.