Portfolio Management Services (PMS) are professional investment services offered by qualified portfolio managers or firms to manage an individual’s investments in stocks, bonds, and other securities. The goal of PMS is to maximise returns based on the investor’s financial goals, risk tolerance, and time horizon. Unlike mutual funds, PMS provides personalised strategies where each investor owns a unique portfolio rather than units in a pooled fund.

When an investor signs up for PMS, the portfolio manager creates a tailored plan after assessing their income, objectives, and risk appetite. The manager then buys and sells securities on behalf of the client, aiming to generate superior returns compared to standard benchmarks. Investors receive detailed reports showing performance, holdings, and transaction history for full transparency.

There are generally three types of PMS: discretionary, non-discretionary, and advisory. In a discretionary PMS, the manager makes investment decisions independently. In non-discretionary, the manager suggests trades, but the investor gives final approval. Advisory PMS only provides expert guidance, leaving all decisions to the investor.

PMS usually requires a higher minimum investment compared to mutual funds, making it more suitable for high-net-worth individuals. The service offers professional management, diversification, and personalised attention, but also involves management fees and market risks. Overall, PMS is designed for investors seeking customised portfolio growth under expert supervision.

Portfolio Management Services (PMS) is a professional investment service where qualified portfolio managers manage an individual’s investments on their behalf. It’s designed for investors who want personalised strategies tailored to their financial goals, risk tolerance, and time horizon. PMS providers typically invest in stocks, bonds, mutual funds, or other securities to achieve optimal returns. Unlike mutual funds, PMS offers greater flexibility, transparency, and customisation, as each portfolio is managed separately. Investors receive regular updates and performance reports to track their investments. PMS is usually suited for high-net-worth individuals (HNIs) because it requires a higher minimum investment amount. The main goal of PMS is to build and manage a diversified portfolio that balances risk and return efficiently.