PMS (Portfolio Management Services) involves direct ownership of individual stocks managed by a professional fund manager, with a minimum investment of ₹50 lakhs as mandated by SEBI. Unlike mutual funds where money is pooled, PMS offers personalised portfolios, higher transparency of holdings, and the flexibility to customise strategies. Mutual funds are ideal for smaller ticket sizes with SIPs starting from ₹500.

For mutual fund SIPs, you can start with as little as ₹500 per month. For lump-sum mutual fund investments, there's typically no minimum beyond the fund's own threshold (usually ₹5,000). For PMS, SEBI mandates a minimum of ₹50 lakhs. AIF investments require a minimum of ₹1 crore.

We follow a multi-layered research process: quantitative screening (rolling returns, risk-adjusted metrics, drawdown analysis), qualitative analysis (fund manager track record, investment process consistency, AUM concentration), and portfolio fit assessment. Only strategies that clear all filters make it to our recommendation shelf.

As a distributor, our compensation comes from the mutual fund houses and PMS providers. There are no additional charges to the investor for our distribution services. We believe in keeping the investor's cost minimal while providing institutional-grade research and service.

All investments are made directly with SEBI-registered AMCs and PMS providers — True Funnel never handles or holds client money. Your mutual fund units are held in your own demat/folio, and PMS stocks sit in your personal demat account. That said, market investments carry inherent risks, and past performance doesn't guarantee future returns. We mitigate this through proper diversification, risk profiling, and disciplined asset allocation.