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Portfolio Management Services

What is a Portfolio Management Service (PMS)?

Portfolio Management Services (PMS) is an investment portfolio in stocks and also for fixed income, debt, structured products and other individual securities, managed by professional managers. An investor in PMS will own individual securities unlike a mutual fund investor, who owns units of the scheme or a fund. The Investment solutions provided by PMS cater to a niche segment of clients with investments of over 25 lakhs rupees. There are two different types of PMS, discretionary and non-discretionary however majority of the asset management companies offer only discretionary PMS.

Discretionary PMS:
In discretionary PMS, the choice as well as the timings of investment rest solely with the Fund Manager. The discretionary portfolio manager manages the funds of each investor independently and investments are made at the fund manager's discretion and not on investors discretion.


Non-Discretionary PMS:
In non-discretionary PMS, the fund manager will only suggest the investment ideas. The decisions on timings as well as choice of the investment rests solely with the investor. However, the execution of trade is done by the fund manager. There are very few PMS service providers who offer Non-discretionary PMS.

Why PMS?
Portfolio Management Services (PMS) are for investment portfolios in fixed income, stocks, cash, debt, structured products and other individual securities that can be tailored to meet specific investment objectives. Investing in PMS allows you to own individual securities unlike mutual funds, where you get to own units of the fund. It’s flexible and allows customization of your portfolio to address personal preferences and financial goals that you set for yourself.

Benefits of Investing in PMS
Professional and active management
Portfolio Management Service has qualified and experienced portfolio managers backed by a strong research team managing portfolios on behalf of clients instead of the clients managing it themselves.

Customized /Tailor Made investment advice
Portfolio Management Services provide tailor made professional services to meet the investment objectives of various investors .The Portfolio manager builds and manages each portfolio keeping in mind the strategy selected and the timing of the investment.

PMS Investors will directly own the portfolio stocks in their DP. Every transaction is intimated to the investor. PMS is transparent in terms of expense ratios with 24/7 online access to investors.

Superior Returns
PMS can be more aggressive and has the potential to generate superior returns. Portfolio managers may choose to have meaningful exposure to such companies as well as hold on as long as they are delivering growth by adding value and superior returns.

How PMS is different from Mutual Fund
OBJECTIVE Portfolio Management Services provide tailor made professional service offer to meet the investment objective of various investor Mutual Funds schemes are structured to meet the funds stated investment objective.
OWNERSHIP In PMS Investors will directly own the portfolio stocks in their DP. Mutual Funds Trustees will own the stocks of the fund and investors will be allocated units.
MINIMUM INVESTMENT As per SEBI regulation, minimum thresholds for investing in PMS is Rs 25 Lakhs by way of stock or cash/or combination of both. Mutual Funds investment thresholds as low as Rs. 500.
CUSTOMIZATION Customization is possible to meet special or specific requirements of investors. No customization possible in mutual funds.
PORTFOLIO CONSTRUCTION Majority of PMS portfolio area focused portfolios constructed within 15 to 25 stocks Majority of MF portfolio are diversified portfolios with more than 50 stocks.
PORTFOLIO STOCK WEIGHTAGE PMS fund manager has flexible to allocate any weightage to single stocks. Mutual Funds restrict maximum allocation cap to single stock of not more than 10 %.
IDEAL INVESTOR The Investment solutions provided by PMS cater to a niche segment of clients Mutual Funds being structured for a wide mass of retail investors

Who is ideal investor for PMS?
The investment solutions provided by PMS cater to a niche segment of clients. Minimum investment for PMS is 25 lakhs as per SEBI regulation. These clients can be either Individuals or Institutional entities who require a dedicated investment management service. The PMS platform is ideal for investors who seek to invest in asset classes like equity with professional management require investment advice for long-term wealth creation.

How can investor invest in a Portfolio Management Services (PMS)?

There are two ways in which an investor can invest in a Portfolio Management Services:
  1. Through Cheque payment
  2. Through transferring existing shares held by the customer to the PMS account. The Value of the portfolio transferred should be above the minimum investment criteria.
Beside this customer will need sign a few documents like - PMS agreement with the provider, Power of Attorney agreement, New demat account opening format (even if investor has a demat account he is required to open a new one) and documents like PAN, address proof and Identity proofs are mandatory. NRIs can invest in a PMS. The NRI needs to open a PIS account for investing in PMS. The documentation required for an NRI, however, is different from a resident Indian. A checklist of documents is provided by each PMS provider.
Attention Investors :
  • Prevent unauthorised transactions in your account.
  • KYC is one time exercise while dealing in securities markets.
  • No need to issue cheques by investors while subscribing to IPO.
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