A portfolio can be described as a group of financial assets. These assets include stocks, bonds, commodities, currencies and cash equivalents, along with mutual, exchange-traded and closed funds. A portfolio could also include real estate, art, and private investments.
Portfolio management is the business of managing a portfolio for clients. It involves the selection and overseeing of a group of investments that have been made in order to meet the financial objectives of a client. The one who manages a portfolio needs to have the ability to weigh strengths and weaknesses, opportunities and threats across the full spectrum of investments in order to maximize its returns within the scenario of risk exposure.
Depending on the size of the portfolio, either an individual manager or a team of experts manage it. How well the portfolio performs, depends on the portfolio manager as well as prevailing market conditions. Needless to say, the expertise of the team or the individual managing a portfolio plays a significant role in the performance of the portfolio. The portfolio manager does several things to ensure that the portfolio s/he handles, performs well. Here are some of the things s/he does -
All this information is used to time either a purchase or the sale of investments.
Portfolio Management Service (PMS) is a method of investing used by individual investors and companies who desire exposure to a variety of products such as equities, fixed income and structured products. Such a service is generally facilitated by Asset Management Companies (AMCs) who employ Portfolio Managers. As mentioned above, the decision to select, buy or sell stocks, and the actual trades, are taken independently by the Portfolio Manager at AMCs. PMS schemes trade in a wide range of securities not available to a mutual fund. Thus, by investing in a PMS scheme, an investor can individually own the securities in a PMS portfolio, unlike a mutual fund where investors only own units of the fund and not the actual securities.
Citigold provides services around investment, portfolio and financial management by distributing mutual funds, PMS schemes, and other investment products.
With a team of investment experts who can assist anyone who wishes to invest and manage their wealth, and keeping evolving market conditions and long-term financial needs in perspective, the team includes:
Citigold Relationship Manager
Your Citigold Relationship Manager works closely with you to understand your financial needs, and helps you manage your wealth accordingly.
Works with you to understand your insurance needs and guides on how you can protect what matters most.
Service Relationship Manager
Partners with your Relationship Manager to ensure you get outstanding service and support, whenever you need it.
Allows you to nominate someone you trust to do your routine banking enquiries.
Regularly reviews your portfolio with you to ensure that your Investment holdings are in line with your risk appetite, financial needs and current economic conditions.
Helps you obtain financing to purchase local properties. Regardless of your investment needs or vintage (from an early to an experienced investor), Citigold can help you nurture and manage your wealth, with a team of experts who will ensure that your investment journey is smooth and you can be assured that you and your portfolio are handled by the best in the business.
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