Why should you invest in Ekush Mutual Funds?

If you have decided that a mutual fund might suit you better than another fixed deposit, the next question is who to invest with and which fund to choose. This page answers both, honestly, including the parts that might make you decide against us.

If you do not yet know how mutual funds work, start with our plain guide to mutual funds instead. This page assumes you have the basics.

Who we are, briefly

Ekush Wealth Management Limited is an asset management company licensed by the Bangladesh Securities and Exchange Commission on 20 November 2019, under licence number BSEC/AMC/2019/44. You can verify that on BSEC's own list.

We manage three open-end mutual funds and offer separately managed accounts. Sandhani Life Insurance Company Limited is trustee to our funds; BRAC Bank Limited is custodian. Neither is connected to us — that separation is the point.

We currently manage BDT 1,284 million for 1,034 investors, of whom 970 are individuals and 64 are institutions.

Why investors choose Ekush

We are owned by the people who run it. Our senior management and their families hold shares in the company alongside board members and long-term private investors. There is no external parent institution with its own targets sitting above yours.

We invest our own money in the same funds. Ekush is the sponsor of every fund it manages, with roughly 80% of the company's paid-up capital invested in those funds alongside our clients. If our funds underperform, we lose on the same terms you do.

Our team has done this elsewhere first. Three CFA charterholders lead the investment team, each arriving from senior roles across Bangladesh's capital markets — previously CEO of IL Capital, CEO of Community Bank Investment, and a member of the Investment Committee at Modhumoti Bank. The board is chaired by Fellow Chartered Accountants. You can read the full backgrounds on our leadership page.

Every fund has beaten its benchmark since launch, as at 30 August 2026. Each fund page carries the full record — NAV history and performance against benchmark over every period — so you can check rather than take our word for it.

And what we are not. We are not the largest asset manager in Bangladesh, and we do not claim to be. If scale is your primary criterion, larger firms exist.

The three funds

Rather than repeat figures here that change every week, each fund page carries the full record — current NAV, complete NAV history, and performance against benchmark over every period from three months to since inception. Those pages are the authoritative source, and we would rather you checked them than took our word for it.

Ekush First Unit Fund

A balanced portfolio of equity and debt, with the mix adjusted according to which asset class looks more attractive. It distributes 70% of realised profit as dividend — the highest payout of our three funds.

This tends to suit investors building wealth over five years or more who also want a meaningful share of profits paid out along the way. Because it holds equities, its value moves with the market and can fall in a weak year. See the fund page.

Ekush Growth Fund

Our most equity-weighted fund, with a greater emphasis on shares and correspondingly more volatility. It distributes 50% of realised profit, keeping more capital invested and compounding.

This tends to suit investors with a horizon of seven years or more who want to maximise long-term growth and can tolerate the swings that come with it. It is the wrong fund for anyone who would be uncomfortable seeing their balance drop in a bad quarter. See the fund page.

Ekush Stable Return Fund

Invests only in fixed-income securities and IPOs. It pays no dividend; your return shows up in the unit price instead.

This tends to suit investors who put capital preservation and steady returns ahead of growth — retired investors, money held for a known future expense, and savers comparing against FDR or Sanchayapatra who want comparable stability with different tax treatment, since returns arrive as capital gains rather than interest. See the fund page.

How to think about which fund

We cannot tell you which fund is right for you on a web page, and you should be sceptical of anyone who tries. What we can do is set out the questions that determine the answer.

When will you need this money? This is the single most important question. Money needed within two or three years should not go into an equity-oriented fund, whatever the past returns look like. Money you will not touch for a decade probably should not sit entirely in fixed income.

Have you set aside emergency savings? Before investing anything, most people should have several months of household expenses in cash or an instrument they can reach immediately. Investing money you may need urgently is how people end up selling at the worst moment.

How would you actually react to a fall? Not how you think you should react — how you would. If a 20% drop would keep you awake, an equity fund will cause you more harm than good regardless of its long-run returns.

Do you want income along the way, or maximum growth? This is what separates First Unit Fund from Growth Fund. Same underlying approach, different payout.

If you want a structured version of this, our Financial Planner walks through your circumstances and suggests an allocation in about four minutes. It is a guide, not personal financial advice.

What it costs and what the terms are

Minimum investment: BDT 5,000 for a lump sum, or BDT 1,000 a month for a Systematic Investment Plan.

Management fee: deducted from the fund's assets. Ask us for the current total expense ratio, which includes trustee, custodian and audit costs as well.

Lock-in: none. Our funds are open-end and you can redeem at any time.

Redemption: sale proceeds reach your bank account within three working days of completing the surrender process.

Exit load: check the current terms for each fund before investing.

How to open an account

Registration takes about ten minutes on the investor portal. What to have ready:

• NID of the applicant and of the nominee
• Photograph of the applicant and of the nominee
• e-TIN
• Bank account details
• BO ID — only if you want your units held electronically. A BO account is not mandatory; units can also be issued as a paper certificate in your name.
• Digital signature, if you are setting up a SIP

• Register on the portal with the documents above.
• Receive confirmation of your registration from us.
• Submit a purchase application naming the fund and amount, with a cheque, pay order or proof of transfer.
• Receive your confirmation of unit allocation once the units are issued.

If you would rather talk to someone first, call +8801713086101.

Risk factors

We would rather you read this before investing than discover it afterwards.

Your investment can lose value. All three funds can fall. The equity-oriented funds can fall substantially in a bad year. The NAV history on each fund page shows the actual path, including the falls.

Past performance is not a promise. Our funds have beaten their benchmarks so far, over periods that included good markets as well as bad ones. That is a record, not a forecast. No fund in Bangladesh may guarantee a return, and we do not.

Fixed income is lower risk, not no risk. The Stable Return Fund carries credit risk and interest-rate risk. It is designed for stability, not immunity.

You might be better off elsewhere. If you need the money within a year, a fixed deposit is probably the right instrument and a mutual fund is not. We would rather tell you that than take the investment.

Related: what is a mutual fund · what is an asset management company · SIP · SWP · tax calculator.

Mutual fund investments are subject to market risk. Past performance does not guarantee future returns. This page is general information about our funds and is not personal investment advice. Consider your own circumstances, and seek independent advice if you are unsure.