{"id":584,"date":"2024-01-22T12:26:39","date_gmt":"2024-01-22T06:56:39","guid":{"rendered":"https:\/\/gift-nifty.info\/?p=584"},"modified":"2024-01-22T12:26:42","modified_gmt":"2024-01-22T06:56:42","slug":"pms-vs-mutual-funds","status":"publish","type":"post","link":"https:\/\/gift-nifty.info\/blog\/pms-vs-mutual-funds\/","title":{"rendered":"PMS Vs Mutual Funds: What is Better?"},"content":{"rendered":"\n<p>Welcome to <a href=\"https:\/\/gift-nifty.info\/\" target=\"_blank\" rel=\"noreferrer noopener\">Gift-nifty<\/a>, your go-to resource for insightful financial discussions. Through mutual funds or Portfolio Management Services (PMS), you can invest in a variety of stocks, bonds, and other securities in India. Although they both entail asset management, their methods of execution vary. If PMS offers tailored funds, MFs are professionally developed but not personalized. Does this imply that one is superior to the other? To better grasp, let&#8217;s talk about PMS vs. Mutual Funds in this article.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/gift-nifty.info\/wp-content\/uploads\/2024\/01\/image-41.png\" alt=\"Mutual Funds\" class=\"wp-image-587\" style=\"width:688px;height:auto\" srcset=\"https:\/\/gift-nifty.info\/wp-content\/uploads\/2024\/01\/image-41.png 800w, https:\/\/gift-nifty.info\/wp-content\/uploads\/2024\/01\/image-41-300x169.png 300w, https:\/\/gift-nifty.info\/wp-content\/uploads\/2024\/01\/image-41-768x432.png 768w, https:\/\/gift-nifty.info\/wp-content\/uploads\/2024\/01\/image-41-150x84.png 150w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure><\/div>\n\n\n<p><\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_68_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/gift-nifty.info\/blog\/pms-vs-mutual-funds\/#What_are_PMS_and_Mutual_Funds\" title=\"What are PMS and Mutual Funds?\">What are PMS and Mutual Funds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/gift-nifty.info\/blog\/pms-vs-mutual-funds\/#Advantages_of_PMS_and_Mutual_Funds\" title=\"Advantages of PMS and Mutual Funds\">Advantages of PMS and Mutual Funds<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/gift-nifty.info\/blog\/pms-vs-mutual-funds\/#1_Choices_and_Affordability\" title=\"1. Choices and Affordability\">1. Choices and Affordability<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/gift-nifty.info\/blog\/pms-vs-mutual-funds\/#2_Preferred_Investment_Choices\" title=\"2. Preferred Investment Choices\">2. Preferred Investment Choices<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/gift-nifty.info\/blog\/pms-vs-mutual-funds\/#3_Spreading_the_Risk\" title=\"3. Spreading the Risk\">3. Spreading the Risk<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/gift-nifty.info\/blog\/pms-vs-mutual-funds\/#Disadvantages_of_PMS_and_Mutual_Funds\" title=\"Disadvantages of PMS and Mutual Funds\">Disadvantages of PMS and Mutual Funds<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/gift-nifty.info\/blog\/pms-vs-mutual-funds\/#1_Associated_Charges\" title=\"1. Associated Charges\">1. Associated Charges<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/gift-nifty.info\/blog\/pms-vs-mutual-funds\/#2_Potential_Risks\" title=\"2. Potential Risks\">2. Potential Risks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/gift-nifty.info\/blog\/pms-vs-mutual-funds\/#3_Limitations\" title=\"3. Limitations\">3. Limitations<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/gift-nifty.info\/blog\/pms-vs-mutual-funds\/#Taxation_of_PMS_Vs_Mutual_Funds\" title=\"Taxation of PMS Vs Mutual Funds\">Taxation of PMS Vs Mutual Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/gift-nifty.info\/blog\/pms-vs-mutual-funds\/#Key_Differences_between_Mutual_Funds_and_PMS\" title=\"Key Differences between Mutual Funds and PMS\">Key Differences between Mutual Funds and PMS<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/gift-nifty.info\/blog\/pms-vs-mutual-funds\/#Is_PMS_Better_Than_Mutual_Funds\" title=\"Is PMS Better Than Mutual Funds?\">Is PMS Better Than Mutual Funds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/gift-nifty.info\/blog\/pms-vs-mutual-funds\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_PMS_and_Mutual_Funds\"><\/span><strong>What are PMS and Mutual Funds?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Hiring a professional to handle your investments is known as a Portfolio Management Service (PMS). This is a service in which a portfolio manager or specialist drafts a customized investment strategy exclusively for you. Your investing goals, level of affordability, and risk tolerance are taken into consideration by the portfolio manager when choosing stocks and other assets. Conversely, mutual fund are pools of assets in which you and several other investors share ownership of a portfolio of securities under the management of qualified fund managers. Compared to mutual funds, PMS provides more individualized options because you have a personal portfolio manager.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/gift-nifty.info\/wp-content\/uploads\/2024\/01\/image-39-1024x576.png\" alt=\"Mutual Funds\" class=\"wp-image-585\" style=\"width:687px;height:auto\" srcset=\"https:\/\/gift-nifty.info\/wp-content\/uploads\/2024\/01\/image-39-1024x576.png 1024w, https:\/\/gift-nifty.info\/wp-content\/uploads\/2024\/01\/image-39-300x169.png 300w, https:\/\/gift-nifty.info\/wp-content\/uploads\/2024\/01\/image-39-768x432.png 768w, https:\/\/gift-nifty.info\/wp-content\/uploads\/2024\/01\/image-39-1536x864.png 1536w, https:\/\/gift-nifty.info\/wp-content\/uploads\/2024\/01\/image-39-150x84.png 150w, https:\/\/gift-nifty.info\/wp-content\/uploads\/2024\/01\/image-39.png 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<p><\/p>\n\n\n\n<p>However, PMS is typically only appropriate for those with a greater corpus and specialized investment goals because it demands a higher beginning amount\u2014roughly Rs. 50 lakh in India. Entry barriers into many mutual fund schemes are significantly reduced, since funds enable investments with as little as Rs. 500.<br>A PMS&#8217;s minimum investment quantity and greater cost of investment are primarily due to the customization it provides, in conjunction with the regulations and policies established by the market watchdog.<\/p>\n\n\n\n<p>Also Read- <a href=\"https:\/\/gift-nifty.info\/blog\/mutual-funds\/\" target=\"_blank\" rel=\"noreferrer noopener\">Unlocking the Power of Mutual Funds: A Complete Overview<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Advantages_of_PMS_and_Mutual_Funds\"><\/span><strong>Advantages of PMS and Mutual Funds<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Mutual fund and PMS each have advantages and disadvantages; it&#8217;s like choosing your favorite dish. Despite these differences, each may be appropriate for you in certain situations.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Choices_and_Affordability\"><\/span><strong>1. Choices and Affordability<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Consider PMS to be a custom suit. It is made specifically for you. But keep in mind that it frequently calls for a sizable entry point\u2014roughly Rs. 50,00,000.<\/p>\n\n\n\n<p>Conversely, mutual funds are more akin to ready-to-wear. They are less customized, but they are more reasonably priced. Many people can access it because you can begin with as little as Rs. 500.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Preferred_Investment_Choices\"><\/span><strong>2. Preferred Investment Choices<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You frequently have first access to unique investment opportunities when you work with PMS. It resembles a VIP pass.<\/p>\n\n\n\n<p>Mutual funds are dependent on the group. They invest by pooling many people&#8217;s money, so you get a bigger share of the pie.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Spreading_the_Risk\"><\/span><strong>3. Spreading the Risk<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The goal of mutual funds and PMS is to maintain investment diversification.<\/p>\n\n\n\n<p>While mutual fund mix the AUM of multiple investors to spread the risk over a variety of stocks, bonds, and other assets, PMS creates a basket of investments just for you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Disadvantages_of_PMS_and_Mutual_Funds\"><\/span><strong>Disadvantages of PMS and Mutual Funds<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Desserts have consequences. Both PMS and mutual fund investment options come with a set of challenges.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Associated_Charges\"><\/span><strong>1. Associated Charges<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>PMS is typically more costly, with a number of expenses eating away at your profits. The AMC will charge you for convenience even though the fees associated with mutual funds might not be as high.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Potential_Risks\"><\/span><strong>2. Potential Risks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A lot with PMS and mutual funds depends on the manager&#8217;s experience. It resembles depending on a captain to guide your vessel. The ship falters if they falter.<\/p>\n\n\n\n<p>Your money will increase if they sail like pros. Nevertheless, regardless of the captain&#8217;s experience, there is always a chance that the sea would be strong.<\/p>\n\n\n\n<p>Likewise, market forces and volatility affect investments as well, affecting total return.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Limitations\"><\/span><strong>3. Limitations<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Although investing in mutual fund is simple, you may not always obtain the coverage you want for your portfolio. Although PMS charges a higher entrance and exit price, it gives greater customisation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Taxation_of_PMS_Vs_Mutual_Funds\"><\/span><strong>Taxation of PMS Vs Mutual Funds<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Long-term capital gains from equities mutual funds are subject to 10% yearly taxation in India, plus a cess and surcharge, if the gains reach Rs 1,00,000.<\/p>\n\n\n\n<p>A cess and surcharge are also applied to short-term gains. Crucially, investors in mutual fund are only taxed at the time of redemption.<\/p>\n\n\n\n<p>The worst part is that even though your investments in a PMS are managed by a dedicated manager, they are still seen as having been made by you.<\/p>\n\n\n\n<p>This implies that the PMS fee you pay will not be taken into account when calculating PMS taxes. PMS seeks to provide possible higher returns in order to counteract this tax disadvantage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_Differences_between_Mutual_Funds_and_PMS\"><\/span><strong>Key Differences between Mutual Funds and PMS<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Now,let&#8217;s put PMS and mutual Funds side by side to delineate the differences:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Aspect<\/td><td>PMS<\/td><td>Mutual Funds<\/td><\/tr><tr><td>Entry Point<\/td><td>High, around Rs. 50 lakh<\/td><td>Low, starts from Rs. 500<\/td><\/tr><tr><td>Customization<\/td><td>High, With Personalized strategies<\/td><td>Standardized, based on fund specifications<\/td><\/tr><tr><td>Management<\/td><td>Dedicated portfolio manager<\/td><td>Fund manager for a pool of investors<\/td><\/tr><tr><td>Cost Implication<\/td><td>Higher due to personalized service<\/td><td>Relatively lower, with varied fees<\/td><\/tr><tr><td>Tax Efficiency<\/td><td>Less, as taxes apply per transaction<\/td><td>More, as taxes apply on exit<\/td><\/tr><tr><td>Risk Exposure<\/td><td>Based on portfolio manager\u2019s decisions<\/td><td>Spread across various investments<\/td><\/tr><tr><td>Liquidity<\/td><td>Varies, often lower due to bespoke agreements<\/td><td>Higher, with easy entry and exit<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"> <\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_PMS_Better_Than_Mutual_Funds\"><\/span><strong>Is PMS Better Than Mutual Funds?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Whether <a href=\"https:\/\/www.indiainfoline.com\/knowledge-center\/mutual-funds\/what-are-the-portfolio-management-services\" target=\"_blank\" rel=\"noreferrer noopener\">PMS<\/a> is a better option than mutual funds in a comparison of the two depends on your personal investing choices, risk tolerance, and financial goals.<\/p>\n\n\n\n<p>For instance, PMS can be a viable option if you wish to invest Rs. 50 lakh in an extremely customized and actively managed portfolio. Its adaptability and customization options can meet your unique requirements.<\/p>\n\n\n\n<p>Conversely, mutual funds may be a better option if you&#8217;re starting with a lesser sum, say Rs. 50,000, and would rather have diversity over higher management costs.<\/p>\n\n\n\n<p>They offer professionally managed portfolios to users without requiring a sizable minimum commitment.<\/p>\n\n\n\n<p>Given the modest minimum investment amount and expert management of mutual funds, young professionals just starting out may find investing in them easier.<\/p>\n\n\n\n<p>They can raise their SIP amount as their careers develop and progressively expand their investment portfolio over time.<\/p>\n\n\n\n<p>On the other hand, experienced professionals nearing the end of their careers could have the means to invest in a PMS, and the greater entry barrier might not even be a deterrent for them.<\/p>\n\n\n\n<p>The choice between mutual funds and PMS should ultimately depend on your particular financial goals and situation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Take into account your investment objectives, risk tolerance, and level of financial knowledge when contrasting PMS and mutual funds.<\/p>\n\n\n\n<p>mutual fund offer affordability and diversification, whereas PMS offers individualized management at a greater cost.<\/p>\n\n\n\n<p>Have a long-term vision if you want your portfolio to expand. While PMS demands a minimum of Rs. 50 lakh, MFs have a modest beginning cap of Rs. 500, which limits access for most investors.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Welcome to Gift-nifty, your go-to resource for insightful financial discussions. Through mutual funds or Portfolio Management Services (PMS), you can invest in a variety of stocks, bonds, and other securities in India. Although they both entail asset management, their methods of execution vary. If PMS offers tailored funds, MFs are professionally developed but not personalized. &#8230; <a title=\"PMS Vs Mutual Funds: What is Better?\" class=\"read-more\" href=\"https:\/\/gift-nifty.info\/blog\/pms-vs-mutual-funds\/\" aria-label=\"Read more about PMS Vs Mutual Funds: What is Better?\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":591,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[26,67,88],"class_list":["post-584","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-market-updates","tag-mutual-funds","tag-portfolio-management-service"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>PMS Vs Mutual Funds: What is Better? - GIFT NIFTY<\/title>\n<meta name=\"description\" content=\"Explore the pros and cons of PMS and Mutual Funds to discover which investment option is better for your financial goals.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gift-nifty.info\/blog\/pms-vs-mutual-funds\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PMS Vs Mutual Funds: What is Better? 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