PMS service experience

[devine_mortal]

On top of this they have exit load right if withdraw pms before 3 years?

All PMS have high fee. My take after investing in them, don't, unless you've 3cr or above lying there to be invested and hence you don't mind such high fee.

I switched to investing in mutual fund on my own after a little research. Go for that or ETFs whichever u r comfortable with.

 

[Wealth is my birth right!]

All PMS have high fee. My take after investing in them, don't, unless you've 3cr or above lying there to be invested and hence you don't mind such high fee.

I switched to investing in mutual fund on my own after a little research. Go for that or ETFs whichever u r comfortable with.

Yes MF route when directly invested its much less charges
Just we have to do a deep scan for top 5 or 10 funds to diversify

 

[iamdhamo]

All PMS have high fee. My take after investing in them, don't, unless you've 3cr or above lying there to be invested and hence you don't mind such high fee.

I switched to investing in mutual fund on my own after a little research. Go for that or ETFs whichever u r comfortable with.

Wat would be return in pms? Will it be more than 12% which is said generally if we speak to mf

 

[devine_mortal]

Wat would be return in pms? Will it be more than 12% which is said generally if we speak to mf

Buddy be it PMS or any market dependent product, there's no guarantee on returns. There are many MFs which have given way more returns than PMSs and vice-a-versa.

 

[iamdhamo]

Buddy be it PMS or any market dependent product, there's no guarantee on returns. There are many MFs which have given way more returns than PMSs and vice-a-versa.

True but generally mf people say consider 12% na but it's not guaranteed n hence similarly how pms guys promote

 

[nomad]

True but generally mf people say consider 12% na but it's not guaranteed n hence similarly how pms guys promote

No one can guarantee any returns (unless of course they are efixed instruments like FD)
The 12% you are generally shown is how the market has performed on an average these years. One bear market and you could be destroying any returns you made till now

People should understand their Risk-Reward appetite and then choose the investment product.
In any case, your basics of Insurance and Emergency Fund should be covered even before thinking about investments.

 

[j_s]

No one can guarantee any returns (unless of course they are efixed instruments like FD)
The 12% you are generally shown is how the market has performed on an average these years. One bear market and you could be destroying any returns you made till now

People should understand their Risk-Reward appetite and then choose the investment product.
In any case, your basics of Insurance and Emergency Fund should be covered even before thinking about investments.

It is good to fear the bear market especially since the products we are discussing are long-only. But do factor in other market behaviours as well for example how soon and in what manner markets bounce back. Being myopic isn't healthy for a portfolio considering the entire premise of a long-only product is a brighter tomorrow.

Here's an absolutely random infographic that you can easily find with a simple google search. Probably helps assuage bear market fears.

another random link:
https://www.sciencedirect.com/science/article/abs/pii/S0927539814001133

 

[nomad]

It is good to fear the bear market especially since the products we are discussing are long-only. But do factor in other market behaviours as well for example how soon and in what manner markets bounce back. Being myopic isn't healthy for a portfolio considering the entire premise of a long-only product is a brighter tomorrow.

Here's an absolutely random infographic that you can easily find with a simple google search. Probably helps assuage bear market fears.

another random link:
https://www.sciencedirect.com/science/article/abs/pii/S0927539814001133

Not saying anything against long term portfolios, especially if you are doing Xost Rupee Averaging

This is more to let people know that when they hear those avg returns, it actually means avg. Includes both severe ups (bull) and downs (bear). Trying to time the market is a folly and investing anything that you cannot afford to lose or not have access to in a critical situation can severely backfire.

 

[AZ7]

On top of this they have exit load right if withdraw pms before 3 years?

They have an exit load as well. Not sure 3 years or lesser period

After some discussion, we decided not to go ahead with PMS given fee seemed quite high.

 

[Wealth is my birth right!]

They have an exit load as well. Not sure 3 years or lesser period

After some discussion, we decided not to go ahead with PMS given fee seemed quite high.

Yes fees will eat a big part of profit

 

[sri_cc]

It is good to fear the bear market especially since the products we are discussing are long-only. But do factor in other market behaviours as well for example how soon and in what manner markets bounce back. Being myopic isn't healthy for a portfolio considering the entire premise of a long-only product is a brighter tomorrow.

Here's an absolutely random infographic that you can easily find with a simple google search. Probably helps assuage bear market fears.

another random link:
https://www.sciencedirect.com/science/article/abs/pii/S0927539814001133

Not saying anything against long term portfolios, especially if you are doing Xost Rupee Averaging

This is more to let people know that when they hear those avg returns, it actually means avg. Includes both severe ups (bull) and downs (bear). Trying to time the market is a folly and investing anything that you cannot afford to lose or not have access to in a critical situation can severely backfire.

TIME IN THE MARKETS IS MORE IMPORTANT THAN TIMING THE MARKETS
Please go through this recent but apt article - https://www.capitalmind.in/insights/decoding-long-term-nifty-returns-the-power-of-time-horizons

 

[sri_cc]

TIME IN THE MARKETS IS MORE IMPORTANT THAN TIMING THE MARKETS
Please go through this recent but apt article - https://www.capitalmind.in/insights/decoding-long-term-nifty-returns-the-power-of-time-horizons

Basically look at the 10+ year returns of NIFTY across time and then decide based on the lowest number.
And remember you might get that returns only if you stay invested for atleast or more than 10 years.