Investment Products
Professional portfolio management services tailored for high net worth individuals and institutions, offering personalized investment strategies and active portfolio management.
Portfolio Management Service (PMS) is a professionally tailored investment solution designed to meet the specific investment objectives of discerning investor classes. This sophisticated service caters to a niche segment of clients, including high-net-worth individuals and institutional entities, providing them with personalized wealth management solutions.
In essence, Portfolio Management Service involves the professional management of clients' investments by experienced portfolio managers, with the primary goal of creating and preserving wealth through strategic asset allocation and active portfolio management.
At HRP Wealth, we act as a mutual fund distributor and facilitator for NJ PMS / NJ NDPMS. We are not SEBI-registered portfolio managers ourselves. Final PMS selection, suitability and documentation are always discussed one-to-one based on your net worth, risk profile and existing holdings.
Suitability
PMS and NDPMS are advanced solutions meant for a limited set of investors. Most families are better served primarily through mutual funds, with PMS considered only after core goals are secured.
Explore the key aspects of PMS and how it can benefit your investment strategy.
PMS is a SEBI-licensed investment platform that enables investing in a professionally managed portfolio of securities. The underlying securities in a portfolio can include stocks, fixed income instruments, mutual funds, and other approved securities. Unlike standardized investment products, each client's portfolio in PMS is unique and can be customized to align with specific investment objectives, risk tolerance, and financial goals.
A Portfolio Manager is a SEBI-licensed entity that offers PMS consulting services and/or manages a portfolio of securities on behalf of clients. In India, any entity offering Portfolio Management Services must be licensed by the Securities and Exchange Board of India (SEBI), ensuring regulatory compliance and adherence to stringent operational standards.
Investors can invest fresh capital in PMS, and the portfolio manager will construct a customized portfolio by strategically deploying those funds across various asset classes. Alternatively, investors can transfer their existing portfolios (such as mutual fund holdings) to PMS, where the portfolio manager will restructure and optimize the portfolio in alignment with the chosen investment strategy and philosophy.
Discretionary PMS offers numerous unique advantages that make it an attractive investment solution for sophisticated investors:
Your portfolio is managed by experienced professionals with deep market expertise and proven track records in wealth creation.
Each portfolio receives dedicated attention, ensuring alignment with your specific financial objectives and risk profile.
Your portfolio undergoes regular monitoring and periodic reviews to ensure it remains aligned with market conditions and your evolving financial goals.
Portfolios can be fully customized based on your specific needs, investment objectives, and risk preferences.
Benefit from streamlined operations, high service standards, and complete portfolio transparency with comprehensive reporting.
Robust internal processes, sophisticated systems, and a research-driven approach ensure effective risk management and portfolio protection.
Relieve yourself from the burden of making complex investment decisions and managing portfolio administration. Our expert team handles all aspects of portfolio management, allowing you to focus on your core priorities.
Our comprehensive approach to portfolio management combines expertise, innovation, and personalized service to deliver exceptional results.
Your financial goals, risk tolerance, and investment horizon are unique. We create a custom portfolio aligned with your financial aspirations and risk profile, aiming to maximize returns while managing potential risks effectively.
Our portfolio managers bring decades of experience and deep market insights to every decision. Leveraging rigorous research, advanced analytics, and active management, they ensure your investments are positioned to capture opportunities and weather market volatility.
We believe in a balanced approach. Our portfolio managers allocate assets across various classes, including equities, fixed income, alternative investments, and more, ensuring a diversified portfolio that meets your financial goals while minimizing risks.
We keep you informed and involved in your portfolio's progress. With regular performance updates, detailed reports, and access to our team of experts, you stay connected to your investments at all times.
Our approach is built around long-term value creation. Through disciplined management and proactive decision-making, we focus on generating sustainable returns and growing your wealth over time.
NJ Non-Discretionary Portfolio Management Service (NDPMS) offers a cost-effective approach to portfolio management with enhanced investor control.
NJ NDPMS is a relatively low-cost form of portfolio management where the portfolio manager acts primarily in a consulting capacity and executes investors' trades. In this model, the final investment decision is taken by the investor, providing greater control and flexibility.
Discover the comprehensive features that make NJ NDPMS an ideal choice for sophisticated investors.
Transact anytime, anywhere. With NJ NDPMS, your investment journey is 100% online, giving you the freedom to manage your portfolio at your convenience. Experience seamless digital access to all portfolio management functions.
Maximize your returns with low expenses. Since all investments are made in direct plans of underlying Mutual Fund schemes, you save more on fees, ensuring that a greater portion of your returns stays with you.
NJ Recommended Portfolio based on your chosen investment purpose:
Your investments, your way. NJ NDPMS allows you to create 100% customizable portfolios so your investments are aligned perfectly with your financial goals.
Flexibility to pay fees at a Family (i.e. Group) Level Total Corpus instead of individual investor's corpus:
Stay informed and in control of your investments. Get access to NJ PMS Client Desk, offering web access to portfolio information and various reports:
Experience the advantages of professional portfolio management with our comprehensive service offerings.
With access to experienced portfolio managers and financial analysts, your investments are managed by experts who are well-versed in navigating complex financial markets. Our team uses cutting-edge research, market insights, and data-driven analysis to make informed investment decisions on your behalf.
A well-balanced portfolio is key to reducing risk and enhancing returns. Our portfolio managers allocate assets across multiple classes, such as equities, fixed income, and alternative investments, creating a diversified portfolio that adapts to market conditions and meets your long-term financial objectives.
We take a tax-efficient approach to managing your investments, optimizing returns and minimizing tax liabilities where possible, so you can keep more of what you earn and reinvest it toward achieving your financial goals.
PMS is a SEBI-licensed investment platform that enables investing in a professionally managed portfolio of securities. It offers personalized investment solutions tailored to meet specific investment objectives of high net worth individuals and institutional entities. Each client's portfolio is unique and can be customized based on their risk profile and financial goals.
PMS is designed for high net worth individuals (HNIs) and institutional entities. The minimum investment amount typically ranges from ₹25 lakhs to ₹50 lakhs, depending on the portfolio manager and the specific PMS scheme. Investors should have a higher risk tolerance and a longer investment horizon to benefit from PMS.
In Discretionary PMS, the portfolio manager makes all investment decisions on behalf of the client. In Non-Discretionary PMS (NDPMS), the portfolio manager acts in a consulting capacity, providing recommendations, but the final investment decision is taken by the investor. NDPMS offers more control to investors while still benefiting from professional advice.
PMS typically charges a management fee (usually 1-3% per annum) and a performance fee (typically 10-20% of profits above a hurdle rate). Fees may vary based on the portfolio manager, investment amount, and the type of PMS (discretionary vs. non-discretionary). Some PMS providers also offer group pricing structures for family portfolios.
PMS offers personalized portfolios tailored to individual clients, while mutual funds have standardized portfolios for all investors. PMS typically requires higher minimum investments (₹25-50 lakhs) compared to mutual funds. PMS portfolios can be more flexible and customized, whereas mutual funds follow a predefined investment strategy. PMS also provides more direct communication with portfolio managers.
A PMS portfolio can include stocks, fixed income instruments, mutual funds, Exchange Traded Funds (ETFs), and other SEBI-approved securities. The specific allocation depends on the investment strategy, risk profile, and investment objectives of the client.
Portfolio reports are typically provided on a monthly or quarterly basis, depending on the portfolio manager. Most PMS providers offer online access to real-time portfolio information, transaction reports, performance reports, and various other reports through their client portal.
Redemption policies vary by portfolio manager and PMS scheme. Some PMS schemes may have lock-in periods, while others allow partial or full redemption with prior notice (typically 7-30 days). It's important to review the terms and conditions of your specific PMS agreement regarding redemption policies.
Yes, PMS is regulated by the Securities and Exchange Board of India (SEBI). All portfolio managers must be licensed by SEBI to offer PMS services. SEBI regulations ensure transparency, investor protection, and adherence to operational standards.
NJ NDPMS (Non-Discretionary Portfolio Management Service) is a cost-effective form of portfolio management where the portfolio manager acts primarily in a consulting capacity. Investors make the final investment decisions while benefiting from professional recommendations. It offers 100% online platform access, lower expenses through direct mutual fund plans, and flexible portfolio customization options.
