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PMS (Portfolio Management Service) is a SEBI licensed investment platform for investing in stocks, fixed income, cash, structured products and other individual securities, managed by a professional money manager, which can potentially be tailored to meet specific investment objectives. Every PMS account may be unique though a portfolio manager may run several portfolios simultaneously.

Mutual Fund is a pool of money from numerous investors who wish to save money or enhance money. Each fund's investments are chosen and monitored by qualified professionals who use this money to create a portfolio. That portfolio could consist of stocks, bonds, money market instruments or a combination of those. As an investor, you own shares of the mutual fund, not the individual securities.

 

Investing in a mutual fund can be a lot easier than buying and selling individual stocks and bonds on your own. Investors can sell their shares when they want. Mutual funds permit you to invest small amounts of money, however much you would like. All shareholders share in the fund’s gains and losses on an equal basis, proportionately to the amount they've invested. By investing in mutual funds, you could diversify your portfolio across a large number of securities so as to minimise risk. By spreading your money over numerous securities, which is what a mutual fund does, you need not worry about the fluctuation of the individual securities in the fund's portfolio.

 

Mutual funds are normally classified by their principal investments, as described in the investment objective disclosed in Offer Documents. The main categories of funds are money market funds, bond or fixed income funds, stock or equity funds, and hybrid funds. Within these categories, funds may be sub-classified by investment approach or specific focus. Apart from these, there are a few other popular mutual funds such as Gold Funds, Real Estate Funds, Infrastructure Funds, International Funds, Arbitrage Funds, Sector Funds and ELSS Funds.

 

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Apart from the overall risk reduction that automatically happens with asset allocation, there are specific risk management methods to deal with financial uncertainties. We call it, Insurance. 

 

Insurance transfers the financial risk of some of life's events to an insurance company. A sound insurance strategy can help protect your family from the financial consequences of those events. There are various financial risks which can be managed with the help of an apt insurance plan.  

 

Buying a term insurance plan is like buying yourself peace of mind. A term insurance plan assures that the cover amount will take care of the family’s financial obligations and their daily needs, in absence of the chief breadwinner. It should be the foundation while building a financial roadmap. Being extremely affordable, the risk-reward for term insurance plans is fabulous.

 

Health Insurance or Medical Insurance is another important financial protection plan that one should never avoid. Critical illness cover can also be added to enhance one’s protection and this is becoming more relevant in today’s society which has changing lifestyles and hence are more prone to critical illnesses.