Portfolio Management Services — or PMS — is basically when someone smarter with money handles your investments for you.
You give them a chunk of your capital. They build a custom plan around your risk level, your goals, and how much involvement you want. That’s it.
There are 2 types:
- Discretionary PMS: You hand over full control. The fund manager takes care of everything. You don’t make decisions — they do.
- Non-Discretionary PMS: You get advice, but you make the final call. It’s more like guided investing, not full control.
Why some people choose PMS:
- They don’t want to manage portfolios themselves.
- They trust experienced managers more than their own instincts.
- They want something tailor-made — not a basic mutual fund.
- They want regular updates without micromanaging.
This isn’t for everyone. Most PMS plans need a higher starting amount — ₹50 lakh or more. But if you’re serious about long-term investing and want pros to handle it, this is worth looking into.
Still not sure? No problem. Let’s talk. No pressure. Just real answers.