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PMS vs Mutual Funds: What HNIs Need to Know
Understanding Portfolio Management Services and how it compares to mutual funds for high-net-worth individuals.
Finadore Research Team 7 min read
Portfolio Management Services vs Mutual Funds
For High Net Worth Individuals (HNIs) with investable assets above ₹50 lakhs, Portfolio Management Services (PMS) offer a compelling alternative to regular mutual funds.
What is PMS?
PMS is a personalized investment service where a professional portfolio manager manages your investments on your behalf. Unlike mutual funds, PMS allows direct ownership of stocks in your name.
Key Differences
| Parameter | PMS | Mutual Funds |
|---|---|---|
| Minimum Investment | ₹50 Lakhs | ₹500 (SIP) |
| Customization | High | Low |
| Transparency | High (direct ownership) | Moderate |
| Fees | Management + Performance fees | Expense Ratio only |
Is PMS Right for You?
PMS suits investors who have large capital, desire personalization, and are comfortable with higher fees in exchange for potentially superior returns. Contact Finadore to explore our PMS offerings.
PMSMutual FundsHNIPortfolio Management
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