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A subscriber wrote in this week. A relationship manager at his bank had pitched him a mutual fund PMS. Hand over your money to a professional who will curate, allocate and rebalance a portfolio of mutual fund schemes for you. Get the simplicity of mutual funds with professional intent on top. For someone with Rs 50 lakh wondering which of 2,000-plus funds to choose, it sounded like the answer to every question. It is not. It is a more expensive version of the question. Start with the math. A mutual fund PMS charges in layers. The fund’s expense ratio: 0.5 to 1 per cent. The PMS layer on top: another 0 to 0.5 per cent, plus a 10 to
This article was originally published on June 01, 2026.
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