Focus on Financial Investment Creating value for our clients
Together we work with our partners to transform financial services businesses
Investments Servicing All-weather solutions for all market conditions
Top Creative is an Asia asset manager with Hong Kong at its core.
The group investment business has a substantial and growing presence all over the world.
We offer investment solutions across equity, fixed income, multi asset, quantitative and alternative strategies to institutional and individual investors globally.
Top Creative has a deep pool of advisory excellence and experience, a strong client base and broad geographic coverage through branch offices across the globe. We combine the precision of craftsmanshipSM with deep experience to conceive, craft and deliver the very best investment coverage and service.
At Top Creative, we aim to be a trusted partner to our clients, providing specialised and high quality investment solutions across the various asset classes that we manage. We are proud to be recognised for our achievements and these awards are a testament of our investment expertise and commitment to excellence. Our in-depth knowledge of international markets, commitment to our clients and innovative financial solutions have earned us the trust of corporate leaders and institutional and retail investors.
Structured Products
Structured products are a combination of basic traditional assets (equities, bonds, currencies, rates, commodities or funds) into one securitized instrument. Structured products are highly customizable, these instruments can be tailored to match investors’ specific risk and return profile. We provide various kinds of different structured products, including but not limited to Capital Protection, Yield Enhancement, Participation and Leverage.
Capital Protection Products
Yield Enhancement Products
Participation Products
Leveraged Products
Securities
We provide global securities trading services, with an efficient and reliable trading platform and analytical tools.
Funds
We help to shortlist top performing funds around the world according your different risk tolerance levels and return expectations.
Fixed Income Funds
Balanced Funds
High Yield Funds
Alternative Funds
Long-term focus
We invest with a long-term, strategic perspective and do not engage in opportunistic behaviors.
Multi Asset Investment
Meet our multi asset team Our range of multi asset solutions is designed to provide you with choice and flexibility to help you meet your investment needs.
We leverage the expertise of our global investment team to provide solutions that can adapt and consistently deliver as market conditions change.
The case for multi asset
We know that one size doesn’t fit all when it comes to investing.
That’s why we offer a range of multi asset funds that cater to your different needs.
Through our proven multi asset investment approach, each of our funds aims to provide you with:
True diversification
Our multi asset funds have diversified holdings across equities, bonds and alternative assets, to help you benefit from rising markets, in the knowledge that your investments aren’t all in one basket.
Long-term stability
We have the flexibility to adjust the asset class exposure of our multi asset funds to suit a changing market environment, allowing you to take advantage of new opportunities, while avoiding unnecessary risks.
Enhanced income potential
We can access a diverse range of income generating asset classes, including alternatives – with the aim of providing you with income streams that are independent of traditional markets like equities and bonds.
Investment Product Review
Product Suitability
In general, we describe our Group-wide approach related to the aspects in this chapter. In those instances, in which we follow business-specific approaches, we additionally report on these. Where there is no Group-wide approach, we describe the approach of the respective business division.
Product Suitability and Appropriateness
In the ordinary course of its business, Deutsche Bank enters into transactions with, or offers products or services to clients. These activities are subject to local laws and regulations, which impose requirements in respect to appropriateness and suitability. It is our policy only to undertake activities where the bank is satisfied that a particular product or service is appropriate and suitable for a particular client. Prior to engaging in any activity, we take reasonable steps to determine the appropriateness and suitability.
The impact of MiFID II worldwide
In accordance with the MiFID II regulation, we conduct broad market screenings of products to identify those that best match our specific customer needs. Our products have to comply with a set of defined requirements, for example relating to risk, complexity, transparency, and after-sales support. We assess the individual product quality and select the product that matches the desired customer demand and the customer investment profile. As a basic principle our rules state, that there should be no sales when it becomes obvious that the customer.
We keep records of appropriateness assessments undertaken for specific client groups, including the result, and of whether the client was given a warning that a product or service is not appropriate for them or they have not provided sufficient information to enable an appropriateness assessment to take place, and, in those instances, whether the transaction was still executed.
The quality of our investment product offering range is reviewed on an ongoing basis.
The New Product Approval (NPA) and Systematic Product Review (SPR) processes, collectively the “Product Life Cycle” framework, provide the basis for ensuring that we can confidently offer clients our products and services. The framework has been established to manage the risks associated with the implementation of new products and services, changes in products and services during their life cycles, and, the process by which they are systematically reviewed, to ensure they remain fit for purpose and consistent with the needs, characteristics, and objectives of their intended market(s) throughout their lifespans. Applicable globally across all divisions, the respective processes cover different stages of the product life cycle review, with the NPA process focusing on pre-implementation and the SPR process on periodic review, post-implementation.
In addition to the above, the New Transaction Approval (NTA) process, applicable to the Corporate & Investment Bank (CIB) division, provides a framework for the coordination, documentation, and management of risks associated with entering into a subset of transactions, including the restructure of existing transactions, meeting certain pre-defined, risk-based escalation criteria. Such qualifying transactions, referred to as “structured transactions”, are subjected to enhanced levels of due diligence via the framework.
Clearly defined roles and responsibilities—together with standards to measure adherence—training, and a Red Flag process to take corrective action support consistent quality control. Our product and structured transaction frameworks bring together appropriate subject matter experts from various departments in order to identify the correct accounting and regulatory standards, as well as the legal, compliance, and control structure. All product developments must be approved by key control functions, including Compliance and Anti-Financial Crime. NPA councils at the regional and divisional levels must review product developments considered “material”, including new risk factors or businesses. In addition, any features causing concern, such as a potential reputational impact on the bank, are referred to the relevant management approval committees, such as the Regional or Group Reputational Risk Committees.
