FAQs

Ideally everyone. Anyone who is looking at long term wealth creation should invest in equities. If the investment horizon is long term and whether the investment goal is children’s education / marriage / setting up in business or planning the retirement fund, equities will help meet your goals better than any other asset class and with least operational hassle. Ideal investment horizon is 5 years +.

If you have a shorter investment horizon and may need funds, let us say, within a year for buying a property, then fixed income is the best option for you. Also, fixed income options could be set up to give you monthly/quarterly / annual payouts to meet your requirements.

Including fixed income securities in a portfolio can enhance stability, especially in uncertain market conditions, while providing regular income and preserving capital. They are important tools for portfolio diversification, hedging against inflation and risk management.

The returns in equity tend to be non-linear in nature. The risk in equity investment is best managed through in-depth research while constructing portfolio, portfolio diversification, time diversification, disciplined approach and long-term investment horizon.

In case an investor does not have the necessary skills or bandwidth to undertake this deep research, then it is advisable to do the investments through a trusted Wealth Manager.

However, it is important to note that in equities it is possible to see a decline in portfolio values of ~5-30% in the following short period given the nature of the underlying asset class.

As the holding period increases, the return profile improves.

“Time spent in the markets is more important than timing the market.”

A PMS fund refers to a Portfolio Management Service (PMS), a specialized investment service offered to high-net-worth individuals (HNWIs) and institutional investors. PMS provides professional management of investments across various asset classes, such as stocks, bonds, commodities, and other securities. Unlike mutual funds, PMS accounts can be tailored to the individual investor's risk tolerance, investment goals, and financial situation.

The individual securities are in investors own demat account and thus provide higher transparency.

We understand that as busy professionals or business owners, you may not have the necessary bandwidth to construct and maintain your own equity/stock portfolio. There are several benefits of availing Portfolio Management Services for investing in equities:

1. Professional Management: PMS provides professional management of your portfolio with the objective of delivering consistent long-term performance while controlling risk.
2. Constant Portfolio Tracking: Professional fund managers understand the dynamics of each asset class, and track your investments continuously to maximize the returns.
3. Alpha generation : PMSs run more concentrated portfolios with higher quality of underlying assets thus resulting in higher returns for the investors.
4. Customized portfolios: Your portfolio in PMS can be customized to exclude your preferences such as no investment in companies which have poor ESG record, or who manufacture goods harmful to health, or have a conflict with your religious beliefs or where you are a KMP.
5. Risk Control: Well defined investment philosophy & strategy acts as a guiding principle in defining the investment universe. We have selected PMSs which have very robust portfolio management process that encompasses the entire construction, monitoring and the risk management processes.
6. Convenience: Portfolio Management Service relieves you from all the administrative hassles of your investments.
7. Transparency: We would be sending you monthly reports with your portfolio performance both on absolute basis as well as relative to several market indices. Along with it we also send yearly Audited reports for convenient Tax Filing.

We provide each client an audited tax statement for each of his/her portfolios annually. This can be used for calculating your tax liability and hence forth filing returns. However, we advice all our clients to consult their tax consultant before filing of their tax returns.

As a part of our service offering and in an endeavor to provide complete transparency of the dealings the following reports are emailed to the clients to their registered email id/ mailed to the correspondence address, which will enable the clients to track their portfolios. The reports are sent on a monthly basis.

1. Account Performance Statement
2. Holding Statement
3. Transaction Statement
4. Taxable Gain/Loss statement

Audited reports certified by a CA will be sent to all clients annually after March-year end audit is completed.

The portfolio manager manages your portfolio without having to bother you with the day to day decisions. The portfolio manager takes all the investment decisions on your behalf. However, if you have certain restrictions / constraints as per your company policy or personal beliefs kindly do share the same at the time of the initiating the investments and the same would be blocked for investment in your account.

We do a comprehensive monthly reporting to maintain complete transparency in managing your portfolio. You will receive regular updates and a detailed report on your portfolio, allowing you to track its activity and performance.

Yes, you can either by giving a cheque or doing a bank transfer (NEFT/RTGS).

Yes, even if you have an existing demat account, you will have to open a new demat account for each of the PMSs you are investing in. We will help you with the same.

The Portfolio Management Services is open for all Indian nationals, resident or otherwise.

The following can invest –

• Domestic and NRI Investors
• Individual, company, HUF, Partnership, Proprietor, Trust, LLP, AOP, Society, Institutional Investors like Insurance companies, pension funds, family offices, banks, mutual fund houses