DWS Alpha Equity Wealth Plan

DWS Alpha Equity Wealth Plan Fund is a large cap equity fund. The fund is managed by a celebrated manager Mr. Aniket Inamdar.  The scheme aims to generate long term capital growth from a diversified portfolio of equity and related securities. It will invest in companies across a range of market capitalization with a preference for medium and large companies. New investors may skip this one for now. If you have already invested keep a close watch on its performance.

Where does DWS Alpha Equity Wealth Plan invest your money?

DWS Alpha Equity Wealth Plan Fund is an equity oriented large cap fund. The fund has large cap bias which means a substantial part of your money will be invested in stocks of large sized companies. About 97.77% of the fund’s money is allocated to stocks of large-sized companies & 2.24% to stocks of mid-sized companies . Large cap stocks tend to give stable returns while mid-sized stocks can give kicker returns as they turn into large stocks but this happens not so frequently.

Suitable for what?
  • Child's education
  • Child's marriage
  • Planning for retirement
  • Home Purchase
Not suitable for what?
  • Creating wealth
  • Short term needs
  • Lifestyle needs
How has DWS Alpha Equity Wealth Plan performed in the past?

If you had invested Rs 1 lakh when the fund was launched in April 2009, your value of investments would be around Rs 1.63 lakhs. The performance has been better or similar to other large cap mutual funds. It has been giving around 13.13% returns for those who have stayed invested since inception. 

Assume you had invested Rs. 10,000 every month in DWS Alpha Equity Wealth Plan Fund through SIP since inception today you would have around Rs 5.37 lakhs.

How will DWS Alpha Equity Wealth Plan perform in the future?

Needless to say no one can predict the future of markets. We have firm belief in the future prospects of the Indian economy. If the Indian economy grows at 9% then the leading companies tend to do well. When the companies do well their stock prices follow their performance. So if you expect the economy to grow at 8% then you can expect top performing mutual funds to give you returns in excess of 14%.

Mutual fund schemes that have exposure to mid-sized companies tend to show results when their bet on few companies comes true. We advise you to avoid too much of star gazing and future prediction. Be reminded that equities are one of the asset classes that have the potential to beat inflation. Your aim for core portfolio should be to beat inflation.

Our recommendation for fresh investment
Not Recommended
Our recommendation for existing investment
Recommended
When to exit?

Withdraw when your goals are close to achievement. Do not remove the money when the markets go up or down. Do not panic. Stick to your goals.

How frequently you need to monitor the performance?

Once you invest in the fund do not get into the habit of checking the NAV daily or monthly. Review the performance once a year. Too much attention is not good.

What are the charges applicable?

A onetime fee of Rs 100 is charged on investments over Rs 10, 000 made through distributors. If you are a first time investor in mutual funds an additional Rs 50 is charged to cover KYC expenses. This is deducted from your investment and can be skipped if you buy directly from the mutual fund via their website or offices.

If units are sold within a year an exit load of 1% is deducted from your total returns. No exit load applies for units withdrawn post one year. Expense ratio of DWS Alpha Equity Wealth Plan Fund is 2.91%. This is charged to recover the fund management company’s expenses on securities’ transactions, commissions, registrar fees, etc. Your mutual fund returns will be total returns less expense ratio.

What are the tax implications?

The returns in a mutual fund are absolutely tax free, provided you do not withdraw within 1 year.

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