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Mutual funds, SIF, PMS, AIF and GIFT City funds side by side, so you can see what each is for, who it suits and what to expect.

In short

Which one, when?

A starting point, not a recommendation. The right mix always comes from your plan.

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Comparison of mutual funds, SIF, PMS, AIF and GIFT City funds
CompareMutual FundsSIFSpecialized Investment FundsPMSPortfolio Management ServicesAIFAlternative Investment FundsGIFT City Funds
What it isA pooled fund run by an asset management company, investing in equity, debt or both.A newer SEBI category run by fund houses that allows more flexible strategies than regular funds.A professionally managed portfolio of securities, held in your own name.Privately pooled funds investing in alternatives such as private equity or private credit.Funds set up in India's international financial centre at GIFT City, typically in US dollars.
Best suited forAlmost every investor. The core of most plans.Experienced investors who already have an established core portfolio.Investors with larger investable assets who want direct ownership.Sophisticated investors with long horizons and large portfolios.NRIs and globally minded investors.
Minimum investmentLow. Many schemes allow small monthly SIPs (varies by scheme).₹10 lakh per investor across SIF strategies (SEBI).₹50 lakh (SEBI).Generally ₹1 crore (SEBI).Varies by fund.
RegulatorSEBISEBISEBISEBIIFSCA
How you hold itUnits of the scheme.Units of the strategy.Individual securities in your own demat account.Units of a pooled fund.Units of a foreign-currency fund.
LiquidityHigh for open-ended schemes; exit loads may apply.Depends on the strategy; some limit how often you can redeem.You can exit; holdings are sold or transferred. Exit fees may apply.Low. Many are close-ended for several years.Varies by fund.
CostsExpense ratio (TER).Expense ratio (TER).Management fee; may include a performance fee.Management fee, often plus a share of profits.Fund fees; vary by fund.
Complexity & riskLow to moderate, depending on the scheme.Moderate to high.Moderate to high; often more concentrated.High.Moderate, with currency and tax considerations.
Consider it whenYou're building goal-based wealth with discipline.You want a strategy regular funds can't run, inside a wider plan.You have significant wealth and want a specific managed approach.You have money you won't need for years, as a sized slice of a large portfolio.You want foreign-currency exposure through a regulated Indian route.

General information only, not a recommendation. Minimums are SEBI’s published regulatory thresholds and can change; eligibility, costs, liquidity and tax are confirmed for each product and your situation before any recommendation. Investments are subject to market risks. Insurance protects the plan rather than growing it, so it isn’t compared here.

Beyond funds.

Other avenues some clients ask about. Whether any of them belongs in your portfolio depends on your goals and risk profile.

  1. Direct stocks

    Shares of individual companies, held in your own demat account. Higher potential, higher risk, and best for money you won't need for years.

    Ask about this

  2. Bonds

    Lending to the government or companies for a fixed term, in return for regular interest. Steadier than shares, though prices and credit quality still matter.

    Ask about this

  3. Company deposits

    Fixed deposits issued by companies rather than banks. A higher rate usually means higher risk, so the issuer's credit rating matters.

    Ask about this

  4. Health, life and vehicle insurance

    Cover that protects your plan rather than growing it: term life, family health and motor insurance.

    Ask about this

Still deciding?

The plan decides, not the product.

Most people need a strong core of mutual funds, and only some need anything more. Tell us where you are and we’ll show you what fits.

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