Portfolio Management Services
What is a Portfolio Management Service?
Portfolio Management Service is a professional as well as licensed service that portfolio managers or investment advisory firms. It is regulated by SEBI (Securities and Exchange Board of India).
Under portfolio management, tailor-made investment solutions are provided based on the client’s objectives, risk tolerance, and investment preferences. The portfolio management services are favored by many high-net-worth individuals (HNIs). The ticket size for availing portfolio management services is Rs. 50 lakh. Unlike mutual funds, there is no pooling of assets, here, every investor has a unique portfolio based on their risk tolerance & needs!
Portfolio management is backed by highly experienced and qualified portfolio managers who conduct research, analyze markets and trends, and accordingly make informed decisions.
They monitor your portfolios, rebalance them, and make the necessary investment adjustments as per your needs!
Why Portfolio Management?
Understanding why an investment is important to you is vital before making any kind of investment. Here are some reasons why one should go for portfolio advisory services:
- Diversification : By investing in a variety of assets across different industries, sectors, and regions, portfolio management allows for diversification. Diversification helps to reduce the impact of any single investment on the overall portfolio, thereby reducing risk.
- Risk management : Through diversification, risk can be spread across different assets, which can help protect against unexpected events and market volatility.
- Monitoring and rebalancing : In portfolio management, investments are actively monitored and periodically rebalanced. As a result, the portfolio remains aligned with the investor's goals and risk tolerance over time.
- Long-term focus : Typically, portfolio management has a long-term focus, aiming to achieve sustainable growth. An investor's time frame and investment horizon are taken into account when creating a strategy.
- Maximizing returns : A portfolio manager seeks to maximize returns within a given risk tolerance by carefully selecting investments and adjusting portfolio allocation accordingly.
why choose fincart for portfolio management in india?
We are among the best portfolio management services in India!
Providing portfolio management services for over 20 years, we strategize & manage portfolios with a sustainable risk-adjusted return. In comparison to other portfolio management companies, we carefully evaluate your portfolio’s risk.
- You are key to our success
Our success depends on your success. We strive to make sure your finances are in good shape for this reason.
- A personalized telephone-based service
You can speak to real people, not an algorithm. Before you make any small investment, we will answer all your questions.
- You are key to our success
Your transactions can be tracked online. Our team is just a phone call away, so don’t hesitate to reach out to us!
- Keep track of your progress
Your investments will be reviewed, and we will tell you how they are doing in the market.
How to do Portfolio Management? A Step by Step Guide by FINCART
When it comes to getting portfolio management services from Fincart, our approach is simple. We follow a 3 step portfolio management process:
Step 1:
STRATEGIZE:
- Establish direction by getting to know more about the client
- Set strategy based on discussion
Step 2 :
OPERATE A PLAN:
- We analyze your financial condition based on your risk appetite!
- Prioritize your goals and decide based on research about your way forward!
Step 3 :
EXECUTION:
- Quarterly reviews and monitoring are conducted to determine which funds perform best and which do not
- We assess ongoing risk & focus!
Benefits of Portfolio Management
Among the exquisite service itself, there are enormous advantages to portfolio management for the needs of clients. Let’s get into the portfolio management benefits:
- Diversification of risks
- Ensures maximum returns
- Active monitoring & customization
- Extensive professional experience
- Diverse investment options
- A tax-efficient investment
faq's
It is possible for NRIs to invest in the PMS through their NRE or NRO accounts.
A portfolio management service is a professional service provided by an experienced portfolio manager to an investor. A mutual fund, on the other hand, is a professionally managed fund that pools the money of many investors.
PMS services can be offered by entities having SEBI registration.
We at Fincart Financial Planners do not charge any portfolio management fees in India.
- Lack of diversification
- Neglecting risk management
- Chasing short-term performance
- Neglecting regular portfolio review
- Not seeking professional advice
Active portfolio management
Selling and buying securities is an integral part of active investment management. By buying and selling assets or securities extensively, one intends to outdo the market collectively. When the markets are moving upward, active investment management is the key to maximizing returns.
Passive portfolio management
A passive investment strategy involves fund managers or investors taking a laidback approach to investing. The goal is to replicate the performance of a benchmark index. Passive investment management aims to generate returns similar to benchmark indexes.
- Active Portfolio Strategies
- Passive portfolio strategies
- Aggressive Strategies
- Defensive Strategies
The risk management process identifies, assesses, and mitigates potential risks that could negatively impact portfolio performance. Portfolio managers employ strategies to mitigate identified risks. This may involve diversifying the portfolio across different asset classes, sectors, and geographic regions to reduce concentration risk. They continuously monitor the portfolio’s exposure to various risks and evaluate the effectiveness of risk mitigation strategies.
A portfolio manager seeks to maximize returns within a given risk tolerance by carefully selecting investments and adjusting portfolio allocation accordingly.
Portfolio management involves the active management of a collection of investments to achieve specific financial objectives, while asset management focuses on the management of individual assets within a portfolio, optimizing their performance and risk.
Portfolio management takes a holistic view of the entire investment portfolio, while asset management focuses on maximizing the value of each individual asset.
Fincart financial planners provide the best portfolio management services in India with over 20+ years of experience.
Portfolio management involves the active management of a collection of investments to achieve specific financial objectives, while asset management focuses on the management of individual assets within a portfolio, optimizing their performance and risk.
Portfolio management takes a holistic view of the entire investment portfolio, while asset management focuses on maximizing the value of each individual asset.
There is no maximum limit for investing in the portfolio management service, however, the minimum amount of the ticket size is Rs. 50 lakhs!
A child is someone that completes the family & brings happiness to the family. As parents, we are protective of our children & want to give them the finest facilities in life. You do everything in your power to help them, from fulfilling their smallest requests to providing them with the best. With inflation at its peak, the cost of higher education plan for children at universities/colleges is skyrocketing. Having a higher child education plan solves the future financial crunch. There is a saying that, “it is best to start investing earlier in smaller increments, rather than investing big increments at a later stage”-Aya Laraya. This should be your focus, don’t wait for your child to be 18 years old to start accumulating money for his education. Start investment planning as early as possible. Think of it as when your child turns 18 then you only have 1 year to accumulate wealth. However, early investment when your child turns 2-3 years old gives you 15-16 years to accumulate wealth for their education. Now since you seem interested in a child education plan, learn how to build & plan funds for your child’s higher education.
Prepare a monthly liabilities plan
The foremost step before going for any investment or financial product is to prepare a budget for monthly liabilities. From the traditional courses, many upcoming new courses are rising. So the variety of courses is rising but so are their costs. For a few basic courses, you can figure out the estimated costs today. Considering the inflation, you can get an idea of the desired cost you would need in the future. Select the tenure when your child would require the money. Once the requirement is estimated then figure out how much you need to keep aside monthly for this goal.
The early you start the more benefits you reap
A child’s higher education is a long-term plan, thus, planning for it when your child is 1-2years will do wonders in your investment. Now consider that you are 30 years old & you are a software developer, blessed with a baby boy. You have started investing 15,000 for your child’s higher education. The courses you thought in mind are engineering & MBA, however, these might change in the future, but it’s a good thought to start planning by keeping a course in mind. Today the cost of a reputed college for engineering is somewhere around 7lakhs. Considering the inflation rate by the time your child turns 18, the same degree might reach up to 90lakhs -1cr. On short notice how will you arrange this amount? This is where early investment becomes your rescuer. Additionally, the power of compounding for a long-term investment plays a crucial role.
Investment Options to fulfill your child’s needs
1. MUTUAL FUNDS For a long-term financial investment like this diversified equity, mutual fund investment becomes the ruler. Equity investment comes with risk but with high returns too. Start an early SIP under the mixture of large-cap & mid-cap funds too. Make a diversified investment to minimize the risk. The main agenda behind going for a long tenure is to gain the benefit of the power of compounding.
2. ULIP plans for your child Staying invested in a child ULIP plan reaps many optimum benefits for you as parents. You get a premium waiver feature to ensure that the child gets the required amount at the desired age. You need to have adequate life insurance so that if god forbid something happens to you, your child will continue to have financial support. Even after you, your child’s needs will not be derailed.
3. PPF for your child’s needs Another investment option to consider for your child’s needs is opening a PPF account under his name. A PPF account will help you to create a tax-free corpus for your child for 15 straight years. After the 6th or 7th year, if your child requires financial assistance, a partial withdrawal can be made. Once your child becomes an adult, they can too make contributions to the PPF account & extend the same account.
Bottom Line:
Planning is the golden rule for living life, especially when there are finances involved. Inflation is rising yearly & so is the cost of minor to major things. The cost of education is quite high at this particular time, imagine the cost after 10-20 years! Planning is what is needed to get prepared for such costs!
A child is someone that completes the family & brings happiness to the family. As parents, we are protective of our children & want to give them the finest facilities in life. You do everything in your power to help them, from fulfilling their smallest requests to providing them with the best. With inflation at its peak, the cost of higher education plan for children at universities/colleges is skyrocketing. Having a higher child education plan solves the future financial crunch. There is a saying that, “it is best to start investing earlier in smaller increments, rather than investing big increments at a later stage”-Aya Laraya. This should be your focus, don’t wait for your child to be 18 years old to start accumulating money for his education. Start investment planning as early as possible. Think of it as when your child turns 18 then you only have 1 year to accumulate wealth. However, early investment when your child turns 2-3 years old gives you 15-16 years to accumulate wealth for their education. Now since you seem interested in a child education plan, learn how to build & plan funds for your child’s higher education.
Prepare a monthly liabilities plan
The foremost step before going for any investment or financial product is to prepare a budget for monthly liabilities. From the traditional courses, many upcoming new courses are rising. So the variety of courses is rising but so are their costs. For a few basic courses, you can figure out the estimated costs today. Considering the inflation, you can get an idea of the desired cost you would need in the future. Select the tenure when your child would require the money. Once the requirement is estimated then figure out how much you need to keep aside monthly for this goal.
The early you start the more benefits you reap
A child’s higher education is a long-term plan, thus, planning for it when your child is 1-2years will do wonders in your investment. Now consider that you are 30 years old & you are a software developer, blessed with a baby boy. You have started investing 15,000 for your child’s higher education. The courses you thought in mind are engineering & MBA, however, these might change in the future, but it’s a good thought to start planning by keeping a course in mind. Today the cost of a reputed college for engineering is somewhere around 7lakhs. Considering the inflation rate by the time your child turns 18, the same degree might reach up to 90lakhs -1cr. On short notice how will you arrange this amount? This is where early investment becomes your rescuer. Additionally, the power of compounding for a long-term investment plays a crucial role.
Investment Options to fulfill your child’s needs
1. MUTUAL FUNDS For a long-term financial investment like this diversified equity, mutual fund investment becomes the ruler. Equity investment comes with risk but with high returns too. Start an early SIP under the mixture of large-cap & mid-cap funds too. Make a diversified investment to minimize the risk. The main agenda behind going for a long tenure is to gain the benefit of the power of compounding.
2. ULIP plans for your child Staying invested in a child ULIP plan reaps many optimum benefits for you as parents. You get a premium waiver feature to ensure that the child gets the required amount at the desired age. You need to have adequate life insurance so that if god forbid something happens to you, your child will continue to have financial support. Even after you, your child’s needs will not be derailed.
3. PPF for your child’s needs Another investment option to consider for your child’s needs is opening a PPF account under his name. A PPF account will help you to create a tax-free corpus for your child for 15 straight years. After the 6th or 7th year, if your child requires financial assistance, a partial withdrawal can be made. Once your child becomes an adult, they can too make contributions to the PPF account & extend the same account.
Bottom Line:
Planning is the golden rule for living life, especially when there are finances involved. Inflation is rising yearly & so is the cost of minor to major things. The cost of education is quite high at this particular time, imagine the cost after 10-20 years! Planning is what is needed to get prepared for such costs!