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Portfolio Management

A Portfolio in Securities Market refers to basket of securities that a person has invested into. This may include a mix of Stocks, Debt Instruments, Mutual Funds, Properties and even Bank Deposits.


The service is offered by a Portfolio Manager under a specific license from Securities and Exchange Board of India. This service is very similar to the one provided by Mutual Fund Managers and requires a fund management license. The difference between a Portfolio Management Service (PMS) and Mutual Fund (MF) is that of customization. In most cases, MFs have preset schemes and investors join and exit those schemes at various points of time at prevailing Net Asset Values (NAV). Under PMS, the Client and the Portfolio Manager chart out specific needs of the client and the Portfolio Manager manages the Portfolio in accordance with those needs. Sometimes the Portfolio Manager may also have separate ready schemes for the client to choose from. As a result of this customization, client, with his specific needs, benefits. The service level in the form of reporting transactions, holdings statements etc., also are comparable or even better than that of a mutual fund.


In short, a Portfolio Manager manages client's wealth more effectively, reduces risk by diversifying across assets/ sectors and endeavours to improve returns. The Portfolio Manager’s endeavour is to target best combination of risk/return and asset class/security given the universe as per the client's need definition.


Islami Tijara currently do not offer its clients Portfolio Management Services (PMS) services, but we offer you Portfolio Management Advisory Services (PMAS) services


Islami Tijara Portfolio Management Advisory Service (PMAS)

A Shariah Compliant Portfolio permits investment only in stocks of Shariah Compliant Companies, Property, and select Mutual Funds (that invest in Shariah Compliant sectors and Shariah Compliant companies only).


Dividend Purification Ratio:

In certain cases revenue share from non-compliant businesses is permissible if they comply with the norms for threshold:


Income from Non-permissible Business activities / Revenue < 10%

This ratio is provided to investors for purification of income from dividends and is calculated as:

Dividends * (Non Permissible Revenue / Total Revenue)

(The Shariah board suggested to the investors to give their impure income as charity).

At Islami Tijara, we offer Shariah Compliant Portfolio Management Advisory Service (PMAS) and guide our clients in managing their money in less time and effective manner. The Islami Tijara PMAS is meant to provide a lot more freedom to both investors as well as fund managers with wider objectives. This is in sharp contrast to more conservative approaches adopted by mutual-fund managers. Portfolio Management Advisory Service (PMAS) is a sophisticated investment vehicle that offers a range of specialised investment strategies to capitalise on opportunities in the market.

Successful investing requires a disciplined approach, sound and up to date advice; and effective monitoring of your investments.


Advantages:
  • Complete investment management solution for Shariah Compliant Investors
  • We advise only equity cash market trades. We do not promote and invest in Derivatives of any kind, as Derivatives are completely Shariah Non Compliant.
  • PMAS is designed for investors who want to maintain, manage and multiply their investments with sound fundamental investment strategy with personal touch.
  • The Islami Tijara PMAS team not only advices but also gives solid research to our recommendations which helps you to make a more knowledgeable investment decision in the future as well.
  • You can see real-time updated portfolio status and our recommendations on our website so you will always have idea about the performance of your portfolio.
  • PMAS team does continuous monitoring of the portfolio and advices accordingly throughout the year for churning. You will be not only advised for buying, but also for exit from the existing investment. Hence, you don’t have to spend time or worry for your investment. PMAS aims at advising on your BUY-HOLD-SELL calls.
  • Once you register with us, PMAS team reviews your existing investments and will advise a customised portfolio for you. PMAS team recommends for medium to long term investment only. You can send request for adding scrips in the portfolio and also can update us about your cash position, in turn, PMAS team will advice on that.

PMAS – A Step Ahead Than PMS

So how does a PMAS stand against a Portfolio Management Service (PMS)? Actually, it is one step ahead of PMS in all respects. A PMS investor has to pay up the amount to be invested to the portfolio manager and then the manager does all the investing on behalf of the investor. So, the investor has no control over his portfolio of investments and cannot decide which stocks or instruments to buy or sell. The manager takes all the decisions as per his view of the markets and there is absolutely no involvement of the investor in the decision-making process. In other words, the investor’s risk and returns are determined by the portfolio manager’s call on the markets. As against this, a PMAS investor is fully in command of his portfolio and can take his own decisions. He does not have to pay up anything to anyone for investing and can invest any in any securities of his choice (in accordance with or against the advice of his advisor). Since he invests in his own name, he is the owner of the securities.


The main difference between the PMAS and PMS is in its decision making process; PMAS recommends portfolio in nondiscretionary manner and all decisions are finally taken by the investors themselves, while PMS manages a portfolio in discretionary manner. The discretionary portfolio manager will independently manage the funds of each client in accordance with the needs of the client. The non-discretionary portfolio advisory services enable the client to take decision with regards to his portfolio.


You remain in control of your investments!

Islami Tijara PMAS does not handle your money. We advise on equity investment and, the best part is, it is non-discretionary. At any point of time, you are in complete control of your money and investments and of course… your decisions. Islami Tijara advises clients through various advisory vehicles, such as Newsletters, SMS Investment Calls, and Customised Model Portfolios.


Dedicated Team

We, at Islami Tijara have a dedicated advisory and research team of experienced professionals, comprising of MBA, CAs and Muftis and Alims exclusively working for the Shariah Compliant PMAS


What you need to do?
  • All you need is a D-MAT account.
  • Believe in us!!

The service is offered by a Portfolio Manager under a specific license from Securities and Exchange Board of India. This service is very similar to the one provided by Mutual Fund Managers and requires a fund management license. Islami Tijara currently do not offer its clients Portfolio Management Services (PMS) services, but we offer you Portfolio Management Advisory Services (PMAS) services


The difference between a Portfolio Management Service (PMS) and Mutual Fund (MF) is that of customization. In most cases, MFs have preset schemes and investors join and exit those schemes at various points of time at prevailing Net Asset Values (NAV). Under PMS, the Client and the Portfolio Manager chart out specific needs of the client and the Portfolio Manager manages the Portfolio in accordance with those needs. Sometimes the Portfolio Manager may also have separate ready schemes for the client to choose from. As a result of this customization, client, with his specific needs, benefits. The service level in the form of reporting transactions, holdings statements etc., also are comparable or even better than that of a mutual fund.


In short, a Portfolio Manager manages client's wealth more effectively, reduces risk by diversifying across assets/ sectors and endeavours to improve returns. The Portfolio Manager’s endeavour is to target best combination of risk/return and asset class/security given the universe as per the client's need definition.


The Portfolio Management Service displays what is happening with your funds, where it is being invested and how much is being invested from time to time.


For more details click here www.shariahpms.com

PRAGMATIC WEALTH MANAGEMENT PVT. LTD.

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E-mail: contact@pragmaticwealth.net
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Email: contact@pragmaticwealth.net
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