Investing in a PMS or Mutual Funds is subject to market risks and volatility. Past performance is no indication nor guarantee of returns. Please read all information and scheme documents carefully before investing.
Refolio is a registered brand of Germinate Investor Services LLP.
Assuming the RBI Housing Index, 5-year avg. return from 2015 to 2019 of 3% p.a holds for the next 20 years.
Assuming you get 3% asset appreciation + 3% rental income = 6% p.a. compounded.
Assuming the NIFTY Stock Market index returns compounded.
Assuming PMS Funds return 5% more than the Stock Market.
Assuming the NIFTY Stock Market index returns compounded.
Assuming Mutual Funds return 3% more than the stock market.
Assuming PMS Funds return 2% more than Mutual Funds.
We all come from similar middle-class families. We have held corporate jobs, and we have worries about retirement. Like you, we also grew up watching our parents and grandparents invest in Real estate and Fixed Deposits. We have also been through the hassle of convincing members of our families to rethink older investment vehicles. We know and understand the struggle.
In our professional lives, collectively, we have seen the investment journeys of more than 5000 families. We are on a mission to prevent wealth destruction among middle-class families and corporate salaried employees.
CEO & Founder
Partner & Co-founder
Partner & Co-founder
Partner
Partner & Co-founder
Even though middle-class Indian families have grown up with these assets, they will not serve us well going forward. They will not be the ideal wealth-generating assets over the next 20 years.
I was completely new to the world of investments, especially accessing the stock markets. I was keen to know more and how to invest my passive savings.
I run a medical equipment business in Vellore. My daughter will be joining the company and expanding our offering. Since I started ten years ago, the business environment has become crowded.
I will continue saving and investing. My PMS investments will serve as my family's financial backup plan, growing alongside my career.
I am convinced that professional fund managers, much like me in my profession, are the best minds to manage my money.
Today, I feel like I own multiple companies, my own and the companies in my equity portfolio.
Apart from this, my family office periodically allocates profits that are not reinvested in our business, to be invested in Equity PMS funds. We feel expert fund managers are needed to grow our family wealth outside our business.
You place a redemption request, the securities held in your name will be sold, and the proceeds will be credited to your bank account within 10 working days.
Equity PMS Funds attract equity taxation, and the expected short-term and long-term capital gains apply to the underlying stocks. You, as an investor, will get an audited statement of accounts at the end of each year.
Yes. As an investor, you will get a unique dashboard and login to view your investments. You can view the complete portfolio construct; the number of companies, number of shares, amount allocated to each category etc. You can also view all buys and sells made on your behalf by the PMS fund manager.
A PMS product is executed by giving the specific PMS fund house a POA to perform the buying and selling of shares on your behalf. Without this, one can’t invest in a PMS. Every PMS Fund house opens a unique DEMAT account for you as the investor, and you cannot use an existing DEMAT account to invest in a PMS.
There is no minimum or maximum time frame that one must stay invested in the PMS. However, it’s ideal to stay for a period of 5 years or more in a PMS product since it’s an equity-oriented product.
The documents needed to open a PMS account are the Account opening form, Bank account opening form, ID proof, Address proof, PAN Card, and other KYC-related documents.
In a PMS, the total number of stocks in the portfolio is lower than that of a Mutual Fund. A PMS Portfolio Manager can allocate higher weights to individual stocks. So, in a PMS, the concentration enables more promising compound returns. Register for our Mutual Fund Webinar to get a deeper understanding.
No, there is no guarantee that a PMS will deliver higher returns than a mutual fund.
A PMS carries a similar amount of risk as a mutual fund, and both are subject to market risks. Both Mutual Funds and PMS have a robust regulation mechanism by the same regulatory body, SEBI.
The answer is in our name, ‘Refolio’ or ‘Rethink your portfolio. We are not here to just sell you an investment product. Our approach is to always look at your entire portfolio and make suggestions to retain or reallocate specific assets in your portfolio. We do this with the singular aim of preventing wealth destruction.
Refolio works with multiple PMS fund houses, and we have zero bias toward them. There are more than 500 PMS providers in the Indian market today. We use a rigirous filter to identify the best PMS providers to work with. Beyond this, we study your portfolio to match the right PMS product to your needs as an individual investor.
Refolio is a brand of Germinate Investor Services Pvt. Ltd. Germinate is a distributor for various PMS and Mutual Fund products. Individual product manufacturers manage the PMS. For example, ICICI Pru bluechip is managed by ICICI Mutual Fund, UNIFI Blended Rangoli fund, a product owned and managed by UNIFI Capital.
We select the suitable PMS based on individual customer suitability. There are over 500 PMS providers in the country and many more individual schemes within each service provider. We help identify the best PMS based on your individual investors’ suitability. We are constantly evaluating newer entrants. If we find better a PMS to match your individual needs, we will bring it to your notice.