Portfolio Management Service

Managing your portfolio comes with a lot of challenges.

Investment in direct equities requires strong research, rich experience and regular monitoring that is highly inconvenient & time consuming for individual investors where desired returns are still uncertain.

Here are some key questions that an Investor should ask themselves whilst investing.

Am I a Trader or an Investor?

Trading is about buying and selling for short term profit whereas Investing is buying stocks with a long term goal. Traders should have knowledge about market movements, Read MoreRead Less

have to devote 100% time & attention and be constantly vigilant as volatile markets can test your nerves. Long term investing requires a comprehensive study of company’s potential with a long term perspective & like any other investments viz gold, FD, property, etc you have to give some time to generate returns on it. Trading may feel good in the short term but as an Investor TIME is your best friend.

Should I monitor my portfolio daily?

Investment in fixed deposit convicts the rate of interest and term of investment in advance so the investor knows the value of their investment at the end of the term. Read More

But whilst long term investing in equities, the returns are unpredictable and it becomes a natural tendency of investors to monitor their portfolio on a daily basis. This tendency leads them to churn their portfolio on a regular basis thus generating comparatively less returns than an investor who does nothing and sits tight on its portfolio.

When is the right time to Invest?

As an investor, it is always the right time to invest; It is all about investing in the right business. When you believe in the potential of a good business and invest wisely by buying Read MoreRead Less

its stock at the right price with a long-term horizon then you don’t need to time the market.

Should I rebalance my portfolio?

As time goes by, long-term investors with a balanced investment portfolio must also assess the performance of various investments as some instruments can under/over Read MoreRead Less

perform. Also, as you age, your risk tolerance & financial goals also change. Hence you should revisit your portfolio and ensure it syncs with the market and your goals.

Will I have enough money when I retire?

You should plan your investment in such a way that when you retire you make the same amount of income from it while you use to work so that you do not have to Read More

compromise with your standard of living at that time.

Should I follow the crowd?

Following the crowd hardly works out while investing. Resisting market noise and investing rationally distinguishes successful investors from the rest. Read More

They buy assets when it is cheap and relish the objective of value investing by holding on to their nerves.

When should I withdraw any amount?

Redemption of any amount depends on your goal of investment. If you have invested for a particular objective, then it can be withdrawn at the time your objective is met. Read More

If you have invested without a goal and in a diversified portfolio, then the amount withdrawn should be redeemed proportionately from all asset classes so that it does not alter the balance of your portfolio.

Will fund manager’s fees eat my returns?

Paying too much can exasperate anyone out. It is important to find a fund manager who takes performance based fees and offers services where the value of your investment Read MoreRead Less

grows. It does not mean finding a low-cost service provider but finding someone who will augment your funds with a fair fee.

How will income tax impact my returns?

While investing, the primary concern of an investor should be growing wealth instead of saving taxes. Due to behavioural biases while investing for short-term gains Read MoreRead Less

some people may pay more taxes than the people who invest discreetly with a long term horizon. With the right strategy you can save more income tax on your returns.

Should I invest in Mutual funds or PMS?

Investment in Mutual funds or PMS depends upon your status of income. If you are a small business person or salaried person who earns regular income then you can Read MoreRead Less

invest in Mutual funds by investing small amounts from your income regularly. If you belong to the HNI group who can invest a lump sum amount then you should definitely invest in PMS with a view of 3-5 years for better returns. The minimum amount of investment in PMS is 50 Lakhs so if you have more funds than that then PMS is the way to go.

Should I invest on my own or seek some professional guidance?

If you have enough knowledge about the economy, market, company, prevailing investment options then you can invest on your own. But if you are not confident about your market understanding then it would be sensible to approach a professional fund manager where you can directly interact with him/her and can guide you well on your investment objective.

Would you like to Invest Wisely ?

At KRIIS this difficulty of investors is taken care of by a team of qualified professionals who consistently design investment strategies to generate optimum investment returns considering the risk appetite of the clients.