• Financial Planning

June 21, 2025

shreeradha

My Mutual Funds Are Doing Okay... But I Can’t Ignore PMS Anymore.

You’ve been investing for a while.
Maybe through mutual funds.
Maybe you’ve built a solid stock portfolio on your own.
You’ve done the right things stayed disciplined, trusted the process.

But lately, one thought keeps coming back…

My Mutual Funds Are Doing Okay... But I Can’t Ignore PMS Anymore.

PMS returns are looking attractive. Am I missing something?

You’re not alone. More and more investors  especially those with ₹25–50 lakh+ portfolios — are exploring Portfolio Management Services (PMS) to take their investing to the next level.

Let’s look at the real questions people are asking in 2025 and what you should know before making a move.

What People Are Asking Right Now

Will PMS give better returns than my mutual funds?
Is it the right time to enter or should I wait?
Isn’t PMS too risky in this volatile market?
How much do I need to start?
I already have a good stock portfolio do I even need PMS?

Let’s break it down.

Is PMS Really Better Than Mutual Funds?

PMS isn’t a replacement it’s an upgrade.

Mutual funds are excellent for disciplined, long-term investing. But PMS offers:

 A focused portfolio of 15–25 high-conviction stocks
Active management by experienced fund managers
Greater flexibility and customization
 Direct ownership of stocks in your name

That’s why many PMS strategies have quietly outperformed mutual funds over 3–5 years — especially during recoveries or trending markets.

What’s the Minimum Investment?

As per SEBI, the minimum ticket size for PMS is ₹50 lakhs.
PMS is ideal for:

  • HNIs

  • Professionals with expanding portfolios

  • NRIs consolidating Indian assets

  • Investors looking to move beyond mutual funds

Is PMS Too Risky?

The risk depends on the strategy you choose not the product itself.

Some PMS options are blue-chip focused and stable
Others invest in high-growth small/midcaps
You can even choose thematic or conservative multi-asset strategies

PMS doesn’t mean high risk it means high attention to your capital.

Already Have a Good Stock Portfolio?

Great! But ask yourself:

  • Are you reviewing your portfolio every quarter?

  • Are you tracking macro shifts and sector changes?

  • Are your rebalancing decisions based on emotion or expertise?

If not, PMS gives you professional hands-on management while you focus on what matters most: your career, family, and life.

Sometimes, letting go of control actually gives you more control.

Is It the Right Time?

There’s no perfect market timing.
But if you’ve already:
Built a sizable portfolio
Seen moderate returns
Wondered, “what next?”…

Then it’s not about the market.
It’s about you.
And your readiness to upgrade your wealth strategy.

Final Thought

My Mutual Funds Are Doing Okay... But I Can’t Ignore PMS Anymore.

At Shree Radha financial cervices , we recognize that building wealth goes beyond just financial gains. It's about making investments that match your individual and financial objectives. Our PMS caters to investors seeking more management control, enhanced clarity, and tailored plans to grow their assets systematically.

We assist you in choosing the most suitable PMS strategy based on your specific requirements, risk tolerance, and investment horizon. If you're prepared to go beyond mutual funds and explore professional, dedicated portfolio management, we're ready to assist.