All three of our PMS strategies start from the same place: a ₹50 lakh minimum per PAN, a fixed management fee with no profit sharing, and the same team running the money. What changes is what sits inside the portfolio and how much risk you’re taking on. This is a quick guide to telling them apart and picking the one that fits.
Quick picker: which strategy suits you?
Three questions usually settle it:
- How long can you stay invested?
- How much of a fall can you sit through without flinching?
- What do you already own?
If you want a properly diversified portfolio managed for you without the fuss, and you’re investing for three years or more, start with Prime Vision. If you already hold both mutual funds and stocks and want them run together, with the mix shifting as markets move, Prime Synergy is built for exactly that. If you have a long runway, a real appetite for risk, and you want a focused portfolio of directly held stocks, Prime Velocity is the one.
The table below compares these strategies on main parameters.
Side-by-side comparison of all three strategies:
| Prime Vision | Prime Synergy | Prime Velocity | |
| What it holds | Mutual funds (direct plans) | Mutual funds + direct stocks | Direct stocks |
| Minimum horizon | 3–7+ years | 5–7+ years | 7+ years |
| Equity range | 60–100%, by variant | 70–100%, dynamic | Near-full, up to 25% defensive |
| Variants | Balanced, Growth, Ultra, Max | One dynamic strategy | One strategy |
| Best suited to | Investors wanting structure across risk levels | Investors juggling funds and stocks | High-conviction equity investors |
Across all three: a management fee calculated as a fixed percentage of AUM (no performance fee), an exit load of 1% in year one and 0.5% in year two, and the ₹50 lakh minimum per PAN.
When should you choose Prime Vision?
Prime Vision is our mutual-fund-based strategy and the most straightforward of the three. We build a portfolio of 8 to 15 direct-plan funds across equity, debt and gold, and keep it rebalanced so it doesn’t quietly drift away from your plan.
Investment philosophy
We set the equity-debt-gold mix at 4 different levels, resulting in 4 different portfolios with varying asset allocation and risk. At the lowest level, the equity-debt-gold mix stands at 60-30-10. At the highest, we go all out and invest 100% in equity. All portfolios follow a core-satellite structure to balance return with risk. We hold a low-churn core of diversified funds drawn across mutual fund categories, and add satellite positions covering themes, sectors, strategies and so on where they earn their place. All funds are held through direct plans only.
Ideal investor profile
It suits people moving from a messy self-managed collection to something disciplined, first-timers to equity or PMS, and anyone who wants thematic exposure without having to chase it themselves. The four variants, Balanced through to Max, let you dial the risk up or down. Max is the pure-equity option, meant for investors who already hold their debt elsewhere.
Risk level and expected horizon
Moderate to very high, depending on the variant you pick, for goals three to seven years out or beyond.
When should you choose Prime Synergy?
Plenty of investors own both mutual funds and a few stocks, bought at different times with no real plan tying them together. Prime Synergy turns that into one managed portfolio that holds both where each component complements the other.
Investment philosophy
We work two levers at once. One is the split between equity and defensive assets like debt, gold, REITs and InvITs, which can go up to 30%. The other is the split between funds and stocks. Funds form a steady core, and the stocks we add are chosen for low overlap with those funds, so you’re not buying the same companies twice. When markets look frothy, we lean on funds and defensives; when valuations turn reasonable, we push equity and direct stocks harder.
Ideal investor profile
Best for investors who already mix funds and stocks but don’t have the time or structure to manage the whole thing, and who’d rather have some downside cushion than a flat-out equity ride.
Risk level and expected horizon
Moderate to high, for five years and up.
When should you choose Prime Velocity?
Prime Velocity is the pure-equity route: a focused portfolio of directly held businesses, built to compound over the long haul.
Investment philosophy
We buy quality companies at sensible prices. We pick stocks across the marketcap curve and sectors, following a flexi-cap approach. Every stock clears a three-step check – a quantitative analysis of fundamentals, a qualitative assessment of business strength and governance, and a macro read. The portfolio runs on a core-satellite structure, with steady compounders at the centre and cyclical or tactical ideas around them.
Ideal investor profile
For investors with a genuine stomach for risk and a long runway, whether you’re building a retirement corpus, leaving a legacy, or simply after maximum equity growth with experienced hands managing it.
Risk level and expected horizon
Very high, and you should be ready to stay invested for seven years or more.
Can you invest in multiple strategies together?
Yes. The ₹50 lakh minimum is per PAN, and you can spread it across more than one strategy.
Multi-strategy allocation logic
Combining works when each piece does a different job. A common pattern is a risk-calibrated Vision portfolio as the stable core, with Velocity layered on as the higher-growth engine. If your debt is already covered through FDs, EPF or bonds, Vision’s Max variant or Velocity or a combination can serve as your dedicated equity sleeve while those handle stability. We’ll suggest a split based on your goals rather than nudging you toward the riskiest option. The aim is one coherent plan, not multiple disconnected bets.
Ready to invest? Next steps
It begins with a call where we understand more about you, your portfolio, what you’re looking for. We also explain our strategies in greater detail and answer any questions you may have. From there, we assess your risk appetite and goals, and we recommend the strategy (or a combination) that best suits you. We can also analyze your portfolio to suggest what strategy can fit you. Once you make your decision, onboarding into our PMS is a short process that is entirely online. Then its all on our us to deploy your investments, monitor, modify and manage it to deliver optimal returns.
Interested? Schedule a free call to know more!
7 thoughts on “Which PMS Strategy Suits You: Vision, Synergy, and Velocity”
Thanks. That provides clarity towards getting a step closer to decide in. I was under the impression that one needs to have at least 2-3x as an investible corpus/net worth, for a pms of 1x to make sense.
Standing couple of steps behind being able to take a decision – wondering how much should one’s ideal net worth be, to be thinking of going for a PMS. Is there a perfect answer?
SEBI’s answer is Rs 50 lakh min investment amount. We don’t have a say in it 🙂 Thanks, Vidya
SEBI’s answer is Rs 50 lakh min investment amount. We don’t have a say in it 🙂 But what we do know is that our PMS prducts are equipped to handle your wealth and not view our PMS as just another product to be given some weight in your portfolio. That is why we have a compelte suite. Thanks, Vidya
Not sure if I wasn’t clear (or if I have misunderstood your response) – I’m aware it’s 50 lakhs as the minimum entry criteria. I’ll try again – If my networth is just 50lakhs, is it wise to put all of it in a PMS, or should it be some multiple of that 50 lakhs, for a pms to make sense holistically (with all its inherent volatility being a predominantly market driven offering)?
I am not sure if I edited response reached you. We ar enot offering a product…we are offerig a wealth solution. So Rs 50 lakh can be spread Rs 25 lakh in your suitable mF portfolio (whatever allocation fits you) and in our Velocity Stock protfolio. So it handles the entire gamut of common financial savings. We can have ETFs, Invits, gold etc as well. So it is a wealth management solution using PMS as a tool.
Thanks. That provides clarity towards getting a step closer to decide in. I was under the impression that one needs to have at least 2-3x as an investible corpus/net worth, for a pms of 1x to make sense.