u/SnooObjections9848

Need to park a significant amount of funds for my parents for the next 2–3 years as they’re approaching retirement. The primary objective is capital preservation while gradually increasing equity exposure in a measured way before they start drawing from the corpus.

The strategy I’m currently considering is to park the money in an arbitrage fund initially and then set up a daily or weekly STP into a combination of Multi Asset Allocation Funds and Balanced Advantage Funds over the next couple of years.

Does this seem like a sensible approach?

A few questions:
Is arbitrage the best place to park the money before the STP, or would you consider something else?
Would you choose daily or weekly STPs, and why?
What split would you recommend between Multi Asset Allocation Funds and Balanced Advantage Funds?

Would appreciate any feedback or suggestions from those who have implemented a similar strategy.

Hi everyone, I am considering allocating a portion of my portfolio to Portfolio Management Service (PMS) for equity investing. I have a few questions for those who have used or evaluated them:

How do you evaluate whether a PMS manager can consistently beat benchmarks like the Nifty after accounting for management fees, profit-sharing, and capital gains taxes?

At what corpus size do you think PMS fees become justifiable over standard Direct Equity or Mutual Funds?

For those who have invested in a PMS, has the outperformance (alpha) been worth the higher risks and administrative complexity?
Thanks for your insights!

Hi everyone, I am considering allocating a portion of my portfolio to Portfolio Management Service (PMS) for equity investing. I have a few questions for those who have used or evaluated them:

How do you evaluate whether a PMS manager can consistently beat benchmarks like the Nifty after accounting for management fees, profit-sharing, and capital gains taxes?

At what corpus size do you think PMS fees become justifiable over standard Direct Equity or Mutual Funds?

For those who have invested in a PMS, has the outperformance (alpha) been worth the higher risks and administrative complexity?
Thanks for your insights!

I’m doing some independent research into personal finance habits for people with investments, insurance, multiple bank accounts, etc.

Would love if you could copy/paste the template below and answer in 30 seconds.

1. Profile

• Resident Indian
• NRI
• Business Owner

2. Income

• < ₹25L
• ₹25L-50L
• ₹50L-1Cr
• ₹1Cr+

3. How many bank accounts do you actively use?

• 1
• 2-3
• 4-5
• 5+

4. Which of these do you currently have?

• Mutual Funds
• Stocks
• PMS/AIF
• Property
• EPF/NPS
• Insurance
• Overseas Investments

5. How do you track everything?

• Excel
• Wealth Manager
• CA
• Mobile Apps
• I Don’t

6. If I asked your exact net worth today, could you tell me?

• Yes
• Roughly
• No

7. How often do you review your overall finances?

• Weekly
• Monthly
• Quarterly
• Yearly
• Never

8. What’s the hardest thing to keep track of?

• Investments
• Insurance
• Taxes
• Loans
• Cash Flow
• Retirement Planning
• Cross-Border Finances

9. One thing you wish existed today?

I’m doing some independent research into personal finance habits for people with investments, insurance, multiple bank accounts, etc.

Would love if you could copy/paste the template below and answer in 30 seconds.

1. Profile

• Resident Indian
• NRI
• Business Owner

2. Income

• < ₹25L
• ₹25L-50L
• ₹50L-1Cr
• ₹1Cr+

3. How many bank accounts do you actively use?

• 1
• 2-3
• 4-5
• 5+

4. Which of these do you currently have?

• Mutual Funds
• Stocks
• PMS/AIF
• Property
• EPF/NPS
• Insurance
• Overseas Investments

5. How do you track everything?

• Excel
• Wealth Manager
• CA
• Mobile Apps
• I Don’t

6. If I asked your exact net worth today, could you tell me?

• Yes
• Roughly
• No

7. How often do you review your overall finances?

• Weekly
• Monthly
• Quarterly
• Yearly
• Never

8. What’s the hardest thing to keep track of?

• Investments
• Insurance
• Taxes
• Loans
• Cash Flow
• Retirement Planning
• Cross-Border Finances

9. One thing you wish existed today?

I’m doing some independent research into personal finance habits for people with investments, insurance, multiple bank accounts, etc.

Would love if you could copy/paste the template below and answer in 30 seconds.

1. Profile

• Resident Indian
• NRI
• Business Owner

2. Income

• < ₹25L
• ₹25L-50L
• ₹50L-1Cr
• ₹1Cr+

3. How many bank accounts do you actively use?

• 1
• 2-3
• 4-5
• 5+

4. Which of these do you currently have?

• Mutual Funds
• Stocks
• PMS/AIF
• Property
• EPF/NPS
• Insurance
• Overseas Investments

5. How do you track everything?

• Excel
• Wealth Manager
• CA
• Mobile Apps
• I Don’t

6. If I asked your exact net worth today, could you tell me?

• Yes
• Roughly
• No

7. How often do you review your overall finances?

• Weekly
• Monthly
• Quarterly
• Yearly
• Never

8. What’s the hardest thing to keep track of?

• Investments
• Insurance
• Taxes
• Loans
• Cash Flow
• Retirement Planning
• Cross-Border Finances

9. One thing you wish existed today?