Harmony Wealth Advisory PMS – Review, Strategies, Returns, Charges & more

Harmony Wealth Advisory PMS is promoted by 7 crore professionals having an experience of more than 22 years in a financial planning and health service advisory’s services satisfying needs of more than 500 customers, transacting a volume business of over 100 crores.

The company includes 3 financial planners one qualified associate planner from the renowned financial institute, Financial planning Standard Board of India.

This article offers details about Harmony Wealth Portfolio Management Services, its Customer ratings and reviews, returns/performance, Fund manager details, Harmony Wealth fee structure and commission and so on.PMS Offer


Harmony Wealth Advisory PMS – Customer Ratings & Review

Find Client ratings of Harmony Wealth Advisory Portfolio Management Services –

Ratings
Returns Performance3.9 / 5
Services3.8 / 5
Charges3.8 / 5
Experience3.9 / 5
Strategies4.0 / 5
Client Support3.7 / 5
Overall Ratings3.9 / 5
Star Ratings★★★★★

Overview of Harmony Wealth Portfolio Management Services

Find a detailed overview of the Harmony Wealth portfolio management service in the table given below-

Overview
Company TypePrivate
Registered LocationBengaluru, Karnataka
LeadershipKannan Ramadass
Yr. of Establishment

Harmony Wealth Advisory PMS has initiated its business in the year 2002 in Bangalore, Karnataka.

The company ensures financial well-being of our customers by offering them expert advice to optimize health and to realize their professional and corporate aims.

The company ensures to serve the need so the customers with integrity and honesty while being sensitive to their time and energy demands. Harmony Wealth Advisory PMS was founded by Kannan Ramadass.

Now, we will have a discussion about Harmony Wealth portfolio management service company review, its PMS returns, PMS charges and more.


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Types of Harmony Wealth Advisory PMS

There are 2 types of Harmony Wealth Advisory Portfolio Management Services –

Types of PMS
DiscretionaryYes
Non-DiscretionaryYes

Discretionary and Non- Discretionary service is the portfolio management services designed to fulfill the needs of the customers.

In Discretionary portfolio management services, the customer is free from burdens because all the decision making powers related to buying and selling of shares relies on the portfolio manager. He has only responsibility to mention its requirements to the portfolio manager.

In the Non-Discretionary portfolio management services, the customer is not free from burdens as all the decision making powers related to buy and selling of shares relies on him selves. The portfolio manager is not involved in taking decisions.


Harmony Wealth Advisory PMS Fund Managers Details

The table given below is providing the entire details about the fund manager of Harmony Wealth Advisory PMS company.

Fund Manager’s Details
NameNatarajan Thyagarajan
Experience16 Yrs
Highest QualificationMBA
AUM (in Cr.)41 Cr.
Number of Clients57
Investment Tenure3yrs

Natrajan Thyagrajan is the fund manager of Harmony Wealth Advisory PMS. He is having a professional degree in MBA. He has 16 years of experience in the capital market and managing 57 investor’s portfolios.

The investment tenure of the Harmony Wealth Advisory PMS is 3 years. It means investors invest their investment for maximum of 3 years. The AUM of Mr. Natrajan Thyagrajan is 41 crore.


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Harmony Wealth Advisory PMS Strategies

The below table is providing details about the Harmony Wealth portfolio management service strategies-

Strategies
Large Cap StrategyYes
Diversified StrategyYes
Small – Midcap StrategyYes

SYNERGY STRATEGY

In this strategies fund manager invests in the Stock, derivatives where the total exposure of PMS customers not crossed the customer’s portfolio placed with the fund managers, Mutual funds, Futures, and options, etc with the aim to manage risk may arise in future by using various strategies

Prospect Strategy

In this strategies fund manager invest in the stocks that ahs clear buying and selling strategies according to the principles of the legendary Benjamin Franklin ideas placed with the fund managers, Mutual funds, Futures, and options etc to manage risk may arise in future by using various strategies.

INTELLECT STRATEGY

In this strategies fund manager invest in the portfolio of mutual funds direct option like equity, debt, liquid, balanced, hybrids or ETFs or the combination of bond and bank deposit to manage risk may arise in future

INDIA STORY STRATEGY

In this strategies fund manager invest in the stocks that belong to one of the seven themes and it will be buying and hold investment of extremely liquid, long term mutual funds or surplus funds and similar products to manage risk may arise in future


Harmony Wealth Advisory PMS Returns / Performance

The below table is giving details about Harmony Wealth Advisory PMS returns and performance-

Returns (CAGR)
3 Year7.6%
5 Year9.8%
7 Year8.3%
10 Year8.5%
11 Year Plus8.9%

The rate of return is the returns realized by the Harmony Wealth Advisory PMS in different years. These returns clearly show that it is growing its business at a great height and investors can freely invest in the company without and troubles as they get an opportunity to earn high returns.

  • About 7.6% of rate of returns is gained by the company in 3 years
  • Around 9.8% of rate of returns is gained by the company in 5years
  • About 8.3% of rate of returns is gained by the company in 7years
  • Around 8.5% of rate of returns is gained by the company in 10 years
  • Approx 8.9% of rate of returns is gained by the company in 11 years
  • Highest rate of returns of around 9.8% is gained by the company in 5 years

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Harmony Wealth Advisory PMS Investment Plans

Below the given table is providing details about the Harmony Wealth portfolio management service investment plans.

Investment Plans
Bronze (25L – 50L)Yes
Silver (50L – 1 Cr.)Yes
Gold (1 Cr. – 5 Cr.)Yes
Platinum (5 Cr. Plus)Yes

Here is the brief understanding and description have given about the various investment plans offered by the company. The various investment plans offered by the company keeping in mind the needs and requirements of the customers are described below:=

  • Investors can invest around (25L – 50L) in the bronze plan offered by the company
  • You can invest around (50L – 1 Cr) in the silver plan offered by the company
  • Investors can invest around (1 Cr. – 5 Cr) in the gold plan offered by the company
  • You can invest more than 5 crore in the platinum plan offered by the company

Harmony Wealth Advisory PMS Fee Structure or Commission Slabs

Find the details about the types of commission models or fees structure offered by Harmony Wealth Advisory PMS house are as follows-

Commission / Fees Structure
Prepaid CommissionYes
Volume% CommissionYes
Profit Sharing% CommissionYes

The various fee structure or commission slabs are –


Harmony Wealth Advisory PMS Prepaid Commission

Prepaid Commission (Yearly)
Investment – 25L – 50L1.14% of Investment
Investment  – 50L – 1 Cr.1.07% of Investment
Investment – 1 Cr. – 5 Cr.1.00% of Investment
Investment – 5 Cr. Plus0.90% of Investment

In the prepaid commission model, investors are obligated to pay the advance commission before the investment period. Here are the investment charges.

  • Obligations of the investors to pay minimum 1.14% of total investment amount if the investment amount is between (25L.-50L.)
  • Obligations of the investors to pay minimum 1.07% of total investment amount if the investment amount is between (50L.-1CR.)
  • Obligations of the investors to pay minimum 1.00% of total investment amount if the investment amount is between (1CR.-5 CR.)
  • Obligations of the investors to pay minimum 0.90% of total investment amount if the investment amount is more than 5 crores

Harmony Wealth Advisory PMS Volume% Commission

Volume% Commission (Yearly)
Transaction Volume – 25L – 50L0.116% of Total Transaction Volume
Transaction Volume – 50L – 1 Cr.0.109% of Total Transaction Volume
Transaction Volume – 1 Cr. – 5 Cr.0.099% of Total Transaction Volume
Transaction Volume – 5 Cr. Plus0.085% of Total Transaction Volume

In the profit commission models, investors are obligated to pay the profit amount based on the profit gained by the company. Here are the investment charges.

  • Obligations of the investors to pay minimum 23.5 % of total profit amount if the profit amount is between (2.5L.-50L.)
  • Obligations of the investors to pay minimum 22.5% of total profit amount if the profit amount is between (5L.-10L.)
  • Obligations of the investors to pay minimum 20.5% of total profit amount if the profit amount is between (10L.-50L.)
  • Obligations of the investors to pay minimum 18.5% of total profit amount if the profit amount is more than 50 lakhs

Harmony Wealth Advisory PMS Profit Sharing% Commission

The table given below is showing details about profit sharing% commission model-

Profit Sharing% Commission (Yearly)
Profit Amount – 2.5L – 5L23.5% of Profit
Profit Amount – 5L – 10L22.5% of Profit
Profit Amount – 10L – 50L20.5% of Profit
Profit Amount – 50L Plus18.5% of Profit

Under the volume % commission model, the investors are obligated to pay the investment charges based on the number of transaction made by the portfolio manager. Here are different investment charges

  • Obligations of the investors to pay minimum 0.116% of Total Transaction Value If the investment volume is between (25L.-50L.)
  • Obligations of the investors to pay minimum 0.109% of Total Transaction Value, if the investment volume is between (50L.-1CR.)
  • Obligations of the investors to pay minimum 0.099% of Total Transaction Value, if the investment volume is between (1CR.-5 CR.)
  • Obligations of the investors to pay minimum 0.85% of total investment amount if the investment amount is more than 5 crores

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Harmony Wealth Advisory PMS Charges

The below-given table is giving information about Harmony Wealth Portfolio Management Service Charges-

Charges
Management FeesAs per commission model
Upfront Fees0.66% – 0.90% of Asset Value
Brokerage Charges0.006% – 0.023% of Total Transaction Value
Custodian Charges0.16% – 0.26% of Asset Value
Depository Charges0.19% – 0.33% of Asset Value
Exit Load – within 12 months0.74% – 1.04% of Withdrawal Value
Exit Load – post 12 monthsFree

Management Fees-The management fees fully depends on the commission models selected by the investors. The management of Harmony Wealth Advisory PMS is based on the commission model.

Upfront Fees-The upfront fees is the prepayment charges investor are bound to pay. The upfront fees of Harmony Wealth Advisory PMS is 0.66% – 0.90% of Asset Value

Brokerage Charges-The brokerage fees is the fee given to the brokers for taking their services. The brokerage fees of Harmony Wealth Advisory PMS is 0.006% – 0.023% of Total Transaction Value

Custodian charges The custodian charges are fees imposed on the investors on their asset values. The custodian charges of Harmony Wealth Advisory PMS are 0.16% – 0.26% of Asset Value

Depository Charges-The depository charges are fees paid to the depository firms for opening the dematerialization account. The depository charges of Harmony Wealth Advisory PMS are 0.19% – 0.33% of Asset Value

Exit charge-The exit fees is the fees give by the customers after they terminate form their investment. The exit charges of Harmony Wealth Advisory PMS is 0.74% –1.04% of Withdrawal Value if withdrawals made within 12 months.


Harmony Wealth Advisory PMS Benefits

Find the details about Harmony Wealth Advisory PMS advantages in the table given below-

Benefits / Advantages
Top-up FacilityYes
Back office ReportsYes
Email UpdateYes
SMS UpdateYes
Watsapp UpdateNo
Portfolio ViewYes
Detailed ViewYes
Flexible Commission ModelYes
Flexible Investment PlansYes
Massive ExperienceYes
  • The company-wide range of experience in the financial market helps the customers to get an appropriate investment solution
  • Wide range of experience in the financial market also helps the experts of the company to resolve the client’s issues timely.
  • The company also aims to provide all the necessary information related to customers portfolios on their e-mails and WhatsApp
  • The company aims to form flexible and investment plans and flexible commission models for customers.
  • The top-up facility and back-office support is also extended to the customers for their easiness.

Harmony Wealth Advisory PMS Customer Care

The table given below is showing a detailed view of Harmony Wealth Advisory PMS Customer Care.

Customer Care
Call SupportYes
Email SupportYes
Chat SupportNo
Watsapp SupportNo
Relationship Manager SupportYes
Call to Fund ManagerYes – 6 to 9 Times a month
Issue Resolving TAT13 working days

Harmony Wealth Advisory PMS customer services support is quite appreciable. Through the direct call facility offered for the customers by the company helps them to resolve their issues at any point in time.

Without any worries and hesitation, customers can approach the company dedicated relationship manager for resolving their issues.

Every issue can be resolved by the company experts in within 13 working days. Customers can call to fund manager for at least 6-9 times in a month


Harmony Wealth Advisory PMS Conclusion

Harmony Wealth Advisory PMS  is the optimum approach for the investors looking for portfolio management services as the company endeavor the needs of the customers to provide the first-rate services and make them available all the times.

The company deeply believes in building a long-term partnership with its customers. The company-wide experience helps them to provide appropriate solutions to the customers.


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