PSSIB | Money Market Funds | Floating Investment

Medium-term Investment Long-term Investment

For short-term investments, Private Scandinavian Sparkasse Investment Bank allows its clients to access the money market funds. With the said funds, clients can have a floating investment as the invested amount within the minimum transaction volume which may increase or decrease on a daily basis. By means of the money market fund, clients may be able to limit the possible losses from credit, market and liquidity risks. PSSIB's short-term investment program seeks to achieve liquidity and stable income derived from a diversified portfolio of primarily short-term fixed income instruments. It is suitable for investors with a moderately conservative risk profile and those with liquidity requirements.

Have an appetite for risk and ready for some quick investments? With rising interest rates, investors with surplus money have a plethora of opportunities to invest for short periods.

Short-Term Investment	Characteristics
Debt Instruments	• Its return of capital is certain, making them a good options to invest in • It is for low risk investors wherein he can always avoid the volatility in the market and park money • It provides up to 10.5 percent returns before tax deduction
Mutual Funds	• It has an investment horizon of more than a year with few exceptions while some has a maturity of one day to three months. • Its entry and exit loads act as barriers • It has an annualized return of 8-10 percent.
Fixed Maturity Plans	• It has a dividend distribution tax that is applicable • It is commonly close-ended products
Equities / Derivatives / Commodities	• It is for high-risk investors with financial expertise, who will be able to earn handsome returns in a short time. • derivatives and commodity trading have also become features of short term investments as deals can be squared soon.

All the above options are on the table keeping in mind a short investment cycle (6 months-1 year). Do not forget that the majority of short-term investments like equities have short-term capital gains tax associated with them.

Short-Term Investment