SERVICE
High Quality, Customised Portfolios
Money Manage
Your money managed in a professional, ethical way
High Quality
Exposure to lower volatility, high quality stocks that are rising
Churning
Minimal churning of portfolio. Portfolio turnover will probably be below 20% per annum.
Liquid Funds
Move to cash and liquid funds when stocks turn weak or volatile
Customised
Customised portfolios matching your risk profile and risk appetite
Special Attention
Special attention to exits and expensive markets / valuation
Choose from the two following products
Growth
Wealth creation over the long term. Ideal for those who have at least 7 years of investing ahead, and are typically 30-55-year olds. Please download the details from Products tab of the Downloads section.
Prime
Investments in high quality stocks, with a focus on preserving capital. Ideal for businesses looking to invest surplus cash. Please download the details from Products tab of the Downloads section.
Performance
A Stellar Record
  • We launched PMS (Growth and Prime) in December 2019. Since then, here is how we have performed vs. the benchmark, over different time periods. The monthly return data is usually uploaded within the first seven days of the following month, in SEBI website

  • Moneylife stockletters launched in January 2012 and in April 2014 have also delivered exceptional returns.
FEES
Reasonable Fee Structure
Fixed fee
1% of portfolio value.
+
Profit sharing
20% of Profit in excess of 10%.
The profit-sharing is based on high-water mark principle.

See how it works
Custodian/depository fees, registrar and transfer fee, brokerage and transaction costs, taxes and third-party cost like certification and professional charges, will be additional.
STEPS
How to Get Going
Step 1
Fill up the Get in Touch form
Step 2
We will send you an account opening pack.
Step 3
Send us back the signed documents
Step 4
Share with us, existing investments
Step 5
Discuss investment objectives in detail
Step 6
Transfer funds / shares to our Bank / Dmat accounts
APPROACH
A Different Skillset
  • We avoid narratives (themes, stories and megatrends). We prefer a quantitative approach.
  • Our model captures what has worked well in the past and looks for the same features in stocks now.
  • We believe what helps is avoiding mistakes. This can come from a strong skepticism about what policy makers, politicians and businessmen say or claim.
Do check Philosophy tab in the Downloads section
FAQ
All Your Questions, Addressed
1. What is MAS Wealth?
MAS Wealth is the portfolio management services division (SEBI registration number: INP000006873) of Moneylife Advisory Services P. Ltd., which has two other divisions MAS Stockletters and MAS Advice, a SEBI-registered investment advisor (SEBI registration number: INA000003429).
2. MAS Stockletters, Advice and PMS

Q. What is the difference between the three?

MAS Advice is information and holistic advice on not only all kinds of investments (bonds, fixed deposits, mutual funds) but also on insurance and taxes. This helps you to stay safe and smart and plan your finances.

MAS Stocks and MAS Wealth are concerned mainly with stock investment. Investments in stocks can help enhance your returns and it is advisable to earmark a part of your portfolio to good quality stocks.

Q. What is the difference between MAS Stocks and MAS Wealth?

Q. Would the stocks be different than those in MAS of Panther, Lion and Antelope?

Yes

3. PMS Investors

Q. Who is PMS meant for?

PMS may be useful for individuals or institutions/ entities looking for personalised investment solutions, long-term wealth creation and wise handling of the wealth already created.

Q. Who is eligible for investing in PMS?

Individuals (residents and non-resident Indians) and non-individuals such as Hindu Undivided Families (HUF), partnerships firms, sole proprietorship firms and companies can invest. An NRI can invest in a PMS through an NRE or an NRO account.

4. What are the risks in PMS?
PMS investments primarily go into stocks, which naturally carries market risks. Many PMS of broking firms are also known to churn portfolios frequently in order to generate brokerage.
5. Funds & Contribution

Q. Is there a minimum investment amount?

Yes. SEBI has mandated Rs50 lakhs should be the minimum investment in a PMS under one name. You can invest money through RTGS / NEFT / Cheque / DD from a bank account that is in your name and mapped with us.

Q. Can I transfer my existing holdings?

We would prefer a cash contribution. However, you can also turn over an existing portfolio of stocks for management. However, please note we would not accept shares which are recommended in our advisory service or stockletters, as this may involve a conflict of interest, between the two services. The strategies and stocks in these two services are separate. Whenever we sell some or all of the shares that have come in as your contribution, there will be capital gains and normal transaction charges. These shares have to come from a demat account under your name. You have to let us know the date of acquisition and the cost of acquisition, to help report your returns correctly.

Q. Can I add fresh funds occasionally?

Yes, you can transfer new funds from your bank account.

Q. How much should I invest?

That depends on your specific financial condition and age. In general you should not invest any money that you are dependent on, such as your retirement corpus.

6. What is the tax treatment for PMS investment?
PMS is a pass-through vehicle. The tax liability remains the same, as if the investor was investing directly. We will provide an audited statement of accounts and a detailed statement of transactions for tax purposes at the end of the financial year to enable you to file your tax returns.
7. Is there a lock-in period?
No, PMS has no lock-in period. There is no exit load.
8. Is there a guaranteed return scheme?
As per SEBI rules, no one selling any capital-market product can guarantee a return. This applies to brokers, mutual funds, investment advisors and PMS.
9. How can I monitor the performance of my portfolio?
We will provide you with the following periodic reports on the performance and other aspects of your investments to help you monitor the performance of your folio.
- Monthly performance statement
- Transaction, holding & portfolio summary reports
- Annual CA certified statement of account for tax filing
10.
How can I get any complaint redressed?
You can find the grievance redress process under Contact Us segment of the site, below this FAQ.
11.
What are the next steps?
Just fill in the form in Get in Touch tab on the right hand of the site and we will get back to you in a day, barring holidays. You can also email us on [email protected] or call us on 1-800-102-6056 and ask to speak to Shraddha or Pankaj.
DOWNLOADS
Disclosures, Forms, Updates
Statutory Documents
These are the statutory documents that have been filed with SEBI.
Disclosure Document
Download
Quarterly Letters from the CIO
Perspectives and conceptual ideas on markets and life
Jan '20: How We Play the Loser's Game
Download
Apr '20: Hit by Covid-19, here is how we will act
Download
Occasional Monthly Letters from the CIO
Short takes on important market developments
Feb '20: False Beliefs
PMS Monthly Note
Download
May '20: Reality Strikes
Occasional PMS Monthly Note- May
Download
Philosophy
This showcases our approach to stock picking .
Letter from CIO
Download
Our Framework
Download
Products
What we are offering
MAS Growth presentation
Download
MAS - Growth Flyer
Download
MAS Prime presentation
Download
MAS Prime Flyer
Download
CONTACT
Always Here To Help
022 49205000
1-800-1026-056
Grievances redress and dispute settlement mechanism:
For redressal of any grievance or dispute, write to us at [email protected] If the dispute remain unsettled, you can write to SEBI s Complaints Redress System (SCORES) at https://scores.gov.in/scores/Welcome.html
Thank You
Thanks for your interest. Our team will get back to you shortly. Meanwhile, do check our Philosophy in the downloads section
Get In Touch
Please fill up the form below and we will get back to you within 3 working days.