Exclusive Portfolio Management Services (PMS) in Pune.
Bespoke Wealth Solutions for High Net-Worth Individuals (HNIs)
Swastik’s Portfolio Management Services (PMS) are designed for investors who demand more than generic market returns. We shift the focus from simple asset gathering to strategic wealth creation, combining a deep understanding of your financial goals, risk appetite, and investment horizon. Our approach blends disciplined research with flexible asset allocation, ensuring your capital grows steadily even in volatile markets.
With active portfolio monitoring and complete transparency, we keep you in control of your financial legacy. Our expert investment team in Pune continuously scouts for high-growth opportunities to optimize alpha generation while strictly managing downside risks, ensuring your investments remain perfectly aligned with your long-term vision.
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:
What is PMS?
PMS (Portfolio Management Service) is a sophisticated investment vehicle where a professional fund manager curates and manages a focused portfolio of stocks, bonds, and securities specifically for you. Unlike mutual funds, PMS offers a high degree of customization and is tailored for High Net-Worth Individuals (HNIs) and ultra-HNIs in Pune seeking concentrated exposure to high-conviction stocks.
The primary goal is to maximize risk-adjusted returns. Clients can choose between Discretionary PMS (where the expert manager takes all independent buy/sell decisions) or Non-Discretionary PMS (where the client retains the final approval on trade execution).
Minimum Ticket Size
As per the latest SEBI regulations, the minimum investment threshold to avail of PMS in India is ₹50 Lakhs. This entry barrier ensures that PMS remains an exclusive product geared towards affluent investors capable of committing significant capital for professional, long-term wealth compounding.
How PMS Works:
- Account Setup: The client opens a separate Demat account and bank account in their own name, ensuring complete ownership and transparency.
- Investment Plan: Our portfolio manager analyzes the client’s financial goals, liquidity needs, and risk tolerance to craft a personalized investment strategy.
- Portfolio Construction: Based on the strategy, we curate a high-quality basket of securities (equities, debt, or hybrid) to build a robust portfolio.
- Active Management: The manager actively tracks market trends and corporate earnings, executing timely buy and sell decisions to optimize returns.
- Regular Reporting: Clients receive comprehensive audited reports, performance dashboards, and tax statements to track their portfolio’s health.
Achieving Your Vision with Swastik PMS
At Swastik Investments, our vision for PMS is simple: deliver superior, risk-adjusted returns that outperform standard benchmarks. We build well-diversified yet concentrated portfolios that reflect our highest convictions. By combining data-driven precision, professional integrity, and total transparency, we help Pune’s elite investors not just grow their wealth, but preserve it for future generations.
Tax Treatment and Process for PMS Investors
Tax Treatment of PMS Investments in India
- Capital Gains Tax: Long Term Capital Gains (LTCG) above ₹1.25 Lakh are now taxed at 12.5%. Short Term Capital Gains (STCG) are taxed at 20%.
- Dividend Income: Dividends received are added to your total income and taxed according to your applicable income tax slab.
- Interest Income: Interest from debt instruments is also taxed as per your marginal tax slab rate.
Process of Portfolio Management
- Client Assessment: Deep-dive analysis of your financial goals, investment horizon, and risk profiling.
- Strategy Development: Creation of a tailored Investment Policy Statement (IPS) unique to your needs.
- Monitoring & Reporting: Continuous tracking of portfolio variances with regular detailed performance reports shared with you.
Additional Considerations for Investors
- Performance Track Record: We review historical returns and stability across market cycles.
- Fee Structure: Complete transparency on fixed management fees, performance-linked fees, and exit loads.
- Risk Awareness: ensuring every asset class selected matches your personal risk tolerance.
Onboarding & Compliance Requirements
- KYC Documentation: Submission of PAN, Aadhaar, and FATCA/CRS compliance proofs.
- PMS Agreement: Signing of the Power of Attorney (PoA) and SEBI-mandated disclosure documents.
- Bank & Demat Linkage: Seamless linking of your designated accounts for hassle-free fund transfers.
Performance and Contractual Insights
Rate of Return
PMS returns can vary based on the manager’s philosophy (Value, Growth, or Contra) and market conditions. Generally, our PMS strategies aim to generate alpha (excess returns) over benchmarks like the Nifty 50 or BSE Sensex by leveraging active management and strategic stock selection. While historical performance indicates strong potential for wealth creation, all market investments are subject to risk.
Contract Details
Before commencing, investors sign a comprehensive PMS agreement that outlines:
- Investment Objectives: Clear definition of the strategy (e.g., Large Cap, Multi-Cap).
- Fee Structure: Transparency on setup fees, management fees, and performance sharing hurdles.
- Rights & Obligations: Legal framework protecting both the investor and the portfolio manager.
- Reporting Norms: Frequency of audits and performance statements.
Who Manages Your Fund?
Your capital is handled by distinguished fund managers with decades of experience in equity research and asset allocation. These experts utilize sophisticated market analysis and forensic accounting to pick high-quality stocks, ensuring your portfolio is in safe, capable hands.
Why PMS is Safer Compared to Self-Trading
- Expertise: Eliminate emotional trading errors by relying on professional, data-backed decisions.
- Diversification: Reduce concentration risk by holding a scientifically balanced basket of stocks.
- Active Monitoring: Your portfolio is monitored in real-time to react instantly to market corrections or news.
- Risk Management: Rigorous implementation of stop-losses, sector limits, and liquidity checks.
What is a Fund Manager?
A Fund Manager is a qualified financial expert responsible for implementing your investment strategy. They act as the steward of your wealth, making critical buy/sell decisions based on thorough macroeconomic analysis, company fundamentals, and valuation metrics to meet your financial objectives.
PMS Frequently Asked Questions
What types of PMS investments does Swastik help with?
We guide HNIs in Pune to select high-performance PMS strategies including Large-Cap, Mid-Cap, Multi-Cap, and thematic opportunities. Whether you seek aggressive growth or stable compounding, we align the strategy with your long-term wealth goals.
What is the minimum investment required for PMS?
As mandated by SEBI regulations, the minimum investment ticket size to start a PMS account in India is ₹50 Lakhs.
How is PMS different from mutual funds?
Unlike Mutual Funds where you own units of a pool, in PMS you own the actual stocks in your own Demat account. This offers greater transparency, flexibility, and a more concentrated portfolio structure compared to mutual funds.
Is PMS suitable for me?
PMS is ideal for HNIs (High Net-Worth Individuals) and ultra-HNIs who have a higher risk appetite and are looking for professional, personalized management of a large equity corpus to generate superior returns.
Can I track my PMS portfolio performance?
Absolutely. Swastik provides secure online access to your portfolio dashboard, along with detailed monthly performance reports and quarterly review calls with our investment team.
Is financial planning included in PMS?
While PMS focuses specifically on optimizing your investment portfolio, Swastik also offers holistic Financial Planning services—covering retirement, tax, and legacy planning—to ensure your overall financial health is robust.
How do I get started?
Simply contact our Pune PMS desk. We will schedule a personalized discovery session to analyze your current portfolio, assess your risk profile, and onboard you seamlessly.
Client Experiences That Speak for Themselves
From our first meeting, I was impressed by their professionalism and deep knowledge. They took the time to truly understand my goals, and created a personalized strategy that has exceeded my expectations.
The communication is always clear, proactive, and they make complex topics easy to understand. I feel confident and secure knowing that my portfolio is in such capable hands. I wholeheartedly recommend Swastik Investment to anyone seeking expert financial advice and a trusted partner for their investments."
It was truly a pleasure meeting you today. I sincerely appreciate the time, clarity, and guidance you shared during our discussion.
Your detailed explanation and thoughtful approach have given me great confidence in planning my mutual fund portfolio with you. I look forward to working together and aligning my investments in a structured and balanced manner under your expert guidance.
Thank you once again for your support and valuable insights.
Warm regards,
Amit S Pokharna
One the best team to support
Thank you
See What Our Clients Are Saying
“All Dealers and Back Office staff very supportive team. Completes fast processes and solve problems and provides daily tips updates. Swastik Investment Company its a very greatest company…
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