PMS
Swastik’s Portfolio Management Services focus on you, not just your money. Our PMS combines a clear understanding of your goals, risk comfort and time frame with a strategy that is both disciplined and flexible. This ensures your portfolio grows steadily while adapting to market conditions.
With active monitoring and transparent communication, we keep you informed and confident about your money. Our expert team continuously evaluates opportunities to optimize returns while managing risks, so your investments stay aligned with your long-term objectives.
PMS
Portfolio Management Services (PMS) offer a personalised way to grow your wealth with expert oversight. At Swastik Investments, we create and manage portfolios tailored to your goals, balancing risk and return while making the most of market opportunities.
Indian Portfolio Management Services (PMS) Market Overview:
Portfolio Management Services (PMS) are specialised investment services offered to high-net-worth individuals (HNIs) and institutional investors who seek personalised investment solutions tailored to their financial goals and risk tolerance. PMS provides a higher degree of customisation and professional management compared to mutual funds.
What is PMS?
PMS is an investment service where a professional portfolio manager manages a client’s portfolio of stocks, bonds, and other securities. The primary goal is to maximise returns within the client’s risk appetite and investment objectives. PMS can be discretionary (where the manager makes all decisions) or non-discretionary (where the client retains control and the manager only advises).
Minimum Ticket Size
As per SEBI regulations, the minimum investment required to avail of PMS in India is ₹50 lakh. This threshold ensures that PMS is geared towards affluent investors who can commit a significant amount of capital for professional management.
How PMS Works:
- Account Setup: The client opens a Demat account and a bank account, both linked to the PMS.
- Investment Plan: The portfolio manager assesses the client’s financial goals, risk tolerance, and investment horizon to develop a personalized investment strategy.
- Portfolio Construction: Based on the strategy, the manager selects a mix of securities (stocks, bonds, etc.) and constructs the portfolio.
- Active Management: The manager actively manages the portfolio, making buy and sell decisions to optimize returns.
- Regular Reporting: Clients receive regular updates on portfolio performance, including detailed reports and statements.
Achieving Your Vision
At Swastik, our vision for PMS is to deliver superior, risk-adjusted returns through actively managed, well-diversified portfolios. We strive to combine precision, professionalism, and transparency to help clients grow and preserve their wealth.
Tax Treatment for PMS
Tax Treatment of PMS Investments in India
Capital Gains Tax: LTCG above ₹1 lakh taxed at 10%, STCG at 15%.
Dividend Income: Added to income and taxed by slab.
Interest Income: Debt interest taxed as per slab rate.
Process of Portfolio Management
Client Assessment: Goals and risk profile are analyzed.
Strategy Development: A personalized plan is created.
Monitoring & Reporting: Portfolio is tracked and reports shared.
Additional Considerations for Investors
Performance Track Record: Past returns and stability reviewed.
Fee Structure: Costs and charges are clearly explained.
Risk Awareness: Investments matched with risk tolerance.
Onboarding & Compliance Requirements
KYC Documentation: PAN, Aadhaar, and proofs submitted.
PMS Agreement: Contracts and disclosures completed.
Bank & Demat Linkage: Accounts linked for transactions.
Rate of Return
The rate of return on PMS varies widely depending on the manager’s strategy, market conditions, and specific investments. Generally, PMS aims to outperform standard market indices and mutual funds, leveraging active management and strategic asset allocation. Historical returns can range from moderate to high, but they are not guaranteed and are subject to market risks.
Contract Details
When engaging in PMS, the client signs an agreement with the portfolio manager outlining the terms and conditions, including:
- Investment objectives and guidelines
- Fee structure (fixed fees, performance-linked fees, or a combination)
- Rights and obligations of both parties
- Reporting and disclosure norms
Who Manages Your Fund?
Professional fund managers with expertise in market analysis, stock picking, and portfolio management manage PMS. These managers typically have extensive experience and strong track records in the financial industry.
Why PMS is Safer Compared to Self-Trading
- Expertise: Professional management by experienced fund managers reduces the risk of uninformed investment decisions.
- Diversification: PMS offers a diversified portfolio, mitigating the risk associated with individual securities.
- Active Monitoring: Continuous monitoring and adjustment of the portfolio based on market conditions.
- Risk Management: Structured approach to risk management, including stop-loss mechanisms and sectoral diversification.
What is a Fund Manager?
A fund manager is a financial professional responsible for managing the investment portfolio on behalf of clients. They make decisions about buying, holding, or selling securities based on thorough research, market conditions, and the client’s investment objectives.
Questions? You’re Covered
What types of PMS investments does Swastik help with?
We guide you in selecting tailored Portfolio Management Services that align with your financial goals — including equity-focused, debt-oriented, and hybrid strategies designed for long-term growth, diversification, and wealth creation.
What is the minimum investment required for PMS?
PMS typically requires a minimum investment of ₹50 lakhs, as mandated by SEBI.
How is PMS different from mutual funds?
While mutual funds pool money from multiple investors, PMS offers personalized portfolio management tailored to your financial goals and risk appetite.
Is PMS suitable for me?
PMS is ideal for HNIs or investors seeking professional portfolio management, greater transparency, and direct ownership of securities.
Can I track my PMS portfolio performance?
Yes, Swastik provides regular performance reports and quarterly review calls so you stay informed about your investments.
Is financial planning included in PMS?
While PMS focuses on portfolio management, Swastik also offers comprehensive financial planning—from retirement to tax and legacy planning.
How do I get started?
Just reach out to our team. We’ll schedule a call to understand your goals, assess your risk profile, and recommend the best approach.
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