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Typical examples of active income include a traditional nine-to-five job: We work – either physically or mentally – and are paid for it on a regular basis. This may be in the form of a salary at the end of each month or payment for completing a project and issuing an invoice.
Passive income, on the other hand, refers to earnings that are generated with little or no ongoing effort. Unlike active income, where time is directly exchanged for money, passive income is typically derived from investments in assets. Classic examples include rental income, dividends and intellectual property rights, such as patents.
In summary
If you’re looking to earn regular additional incomes, you can put your money to work and generate passive income, Investors can start benefiting from passive income with relatively small investments, Monthly distributing funds offer investors the opportunity for regular income from potential capital gains, interest and dividends.
Passive income: for big and small wishes
The advantage of passive income is that it enables investors to diversify their sources of income and reduce dependence on traditional employment
Of course, anyone who wants to live entirely off dividends, interest income and capital gains will need significant assets invested in the capital markets. Even though many people on average incomes are unlikely to fulfill this wish. However, even with smaller amounts, investors can generate passive income –to pay for a gym membership, a streaming subscription or to supplement their pension in retirement. The key is to invest your capital - whether it’s from a maturing savings plan, a life insurance payout or an inheritance - rather than leaving it in their current account or under the pillow.
Suitable solutions for different life stages
Early retirement
FIRE
Anyone who is thinking about retiring a bit earlier but definitely doesn't want to give up money is – maybe without even knowing it – a follower of the so-called FIRE movement. FIRE stands for Financial Independence, Retire Early, meaning financial independence with as early a retirement as possible. The idea of passive income comes into play here, too, fueling your retirement so you can say goodbye to work a little earlier without sacrificing your wealth.
— Denise Kißner, Head of Product Specialists and Campaigns at DWS
Flexibility with Minimal Effort: Funds with Monthly Distributions
Passive income can be attractive not only for experienced investors, but also for beginners and younger target groups.
But how do monthly distributions work?
Each month, a fixed percentage of the fund’s assets is distributed to investors. The level of distribution depends on the fund’s investment strategy and performance. As the value of fund units can rise as well as fall, the distribution yield achieved may also vary from month to month.
What else is important to know?
Unlike private pension products or withdrawal plans, funds with monthly distributions are designed with the objective of preserving the invested capital as far as possible over the long term. To achieve this, these products are structured so that monthly distributions can be financed over time through capital gains, interest income and dividends, without depleting the invested capital.[2]
Investors can choose from a broad range of funds to find the solution that best matches their individual risk tolerance and investment horizon.
1 Equity funds
investing in company shares. They offer comparatively high potential returns, but also involve higher risk.
2 Fixed Income funds
invest in fixed-interest securities such as bonds. They are generally less risky than equities, but also offer lower potential returns. Their advantage: better planning due to fixed coupons.
3 Multi Asset funds
combine different asset classes such as equities, bonds and commodities. They aim for a balanced mix of risk and return.
4 Liquid Real Assets funds (LRA)
investing in real assets such as real estate and infrastructure stocks, which can help to reduce volatility and diversify the portfolio.
At a glance: monthly distributing funds
Regular income
Investors receive a regular capital income and can benefit from potential price gains, interests and dividends.
Professional management
DWS investment experts implement the respective investment strategy and adjust it to market developments.
Flexible investment strategy
DWS product range offers solutions for different investor needs – from safety to growth.
Transparency & Availability
Transparency and liquidity through daily pricing – sale of fund units at daily net asset value possible.
Fluctuating distributions
The amount of distributions depends on the monthly net asset value and can vary depending on the fund performance.
No compounding effect
The regular distributions reduce the effect of compound interest compared to accumulating products.
From equities to multi-asset: These DWS funds distribute monthly
| Funds Name | ISIN | Asset Classes | Annual Distribution |
| DE0009848119 | Equity Funds | 6 % p.a. | |
| LU1616932940 | Equity Funds | 6 % p.a. | |
| LU3021212066 | Equity Funds | 6 % p.a. | |
| LU3011703512 | Equity Funds | 8 % p.a. | |
| LU3004051697 | Equity Funds | 8 % p.a. | |
| LU2632499682 | Equity Funds/LRA | 6 % p.a. | |
| LU2968762919 | Equity Funds/LRA | 6 % p.a. | |
| Multi-Asset-Funds | 6 % p.a. | |
| LU2968763560 | Multi-Asset-Funds | 5 % p.a. | |
| LU2970737297 | Multi-Asset-Funds | 4 % p.a. | |
| LU2034326236 | Multi-Asset-Funds | 3 % p.a. | |
| LU2799048181 | Fixed Income Funds | 3 % p.a. | |
| LU2968763214 | Fixed Income Funds | 3 % p.a. | |
| LU2968763057 | Fixed Income Funds | 3 % p.a. | |
| LU2968763131 | Fixed Income Funds | 3 % p.a. | |
| LU3116734081 | Fixed Income Funds | 2.5 % p.a. |