Wealth and Portfolio Management
Wealth Management
Wealth management is a consultative process and we cannot emphasise enough that One-size-DOES NOT-fit all!
A fine confluence of robotic wealth management and individual experience - we have created a digital environment which will cater to you investment needs.
To do this, "We" - the Humans and "AJFunds" - the Robot, are working in unison!
Currently there are over 2500 unique mutual fund schemes and more than 15,000 variants of these schemes in india. To reduce the clutter, we incorporate AJFunds' complete potential to curate the best funds to make your investment decisions simpler and more effective!
- Liquid and Ultra Short Term Funds
- Short, Medium and Long Term Debt Funds
- Balanced and Equity Savings Funds
- Small, Mid, Large and Diversified Funds
- Thematic and Sector Specific Funds
- Global and International Funds
- Corporate fixed Deposits and Bonds
- Portfolio Management Services and REITs
Our Value Proposition
We have created a unique online model where all financial services and products are available in a structured and professional manner on a single platform.
The advice offered is relevant to individual needs and is supported by powerful algorithms. This removes all human intervention and makes the advice completely unbiased.
India's most advanced and intuitive multi-asset portfolio tracker called 'The Vault' has the ability to consolidate all capital market investments, insurance products, real estate, non-market linked investments and even your liabilities in a single place.
'The Vault' also offers you the ability to add all of your family's investment accounts in one place, as part of an overall family account, so that you always have a macro view of it.
Portfolio Management
Portfolio Management Services or PMS, is a service offered by the Portfolio Manager or an asset management company, is an investment portfolio in stocks, fixed income, debt, cash and other securities, managed by a professional fund manager that can potentially be tailored to meet specific investment objectives. Unlike mutual funds, where investors own units of the mutual fund scheme, in a PMS, the investors own individual securities. Although the portfolio managers may oversee hundreds of portfolios, your account may be unique.
Types of PMS
Discretionary PMS : Under this service, the choice as well as the timings of the investment decisions is solely lies with the Portfolio Manager.
Non-Discretionary : Under this service, while the portfolio manager will suggest only the investment ideas, the investor will decide the investment timings and decisions regarding the portfolio. However the execution of the trades is done by the PMS portfolio manager.
Advisory : Under this service, while the PMS portfolio manager only suggests the investment ideas, the decision as well as the execution of the investment decisions rest solely with the Investors.
Benefits of a PMS
Professional Management : The PMS Service provides professional management of stock portfolios with the main objective of delivering long-term performance while minimising risk.
Continuous Monitoring : The PMS fund manager, constantly monitors the portfolio and periodic changes are made by him/her to optimise the performance.
Flexibility : The Portfolio Manager has fair amount of flexibility in terms of holding cash, for example, it can keep the cash holding even up to 100% depending upon his./her understanding of the market conditions. The portfolio manager can create a reasonable concentration in the investor portfolios by investing disproportionate amounts in favour of foreseeable opportunities in the market situation.
Risk Control : The research team of the PMS Service, provides real time information to support the fund management team and thus control the risk.
Ease of Operation : Portfolio Management Service provides the clients with a customised service and takes care of all the administrative aspects and provides periodic portfolio reporting. It discloses the overall status of the portfolio, holdings and performance on a daily basis. For this, the PMS Service provides a login ID and password for the investor to check his/her PMS details.
Custom Made Advice : For select clients, the PMS provider gives the benefit of tailor made investment advice designed to achieve investors various financial goals.