MOAT PMS – Review, Strategies, Returns, Charges & more
Last Updated Date: Dec 19, 2022MOAT Financial Services Private Ltd, situated in Kochi, is a SEBI-registered Portfolio Management Services (PMS) business that has established a new PMS Fund called Emerging MOAT Fund.
Unlike the trends followed by the industry peers, the services of MOAT PMS focus on investing in relatively smaller moat companies.
The MOAT companies are the firms which can thrive in the upcoming years. MOAT Financial Services has the right resources to even carry forward suck high-risk investments.
MOAT PMS – Ratings & Review by Top10StockBroker
Find Client ratings of MOAT Portfolio Management Services –
MOAT PMS Ratings | |
Returns Performance | 3.8 / 5 |
Services | 3.9 / 5 |
Charges | 3.8 / 5 |
Experience | 3.1 / 5 |
Strategies | 3.2 / 5 |
Client Support | 3.1 / 5 |
Overall Ratings | 3.9 / 5 |
Star Ratings | ★★★★★ |
The above ratings given in the table will help us to understand better the performance of MOAT PMS broking house in every field.
Overview of MOAT Portfolio Management Services
Overview | |
Company Type | Private |
Registered Location | Kerala |
Leadership | Koushik Mohan, Suraj Nair |
Yr. of Establishment | 2020 |
Established in 2020, Moat Financial Services is a SEBI-registered Portfolio Management Service (PMS) that aims to create long-term wealth for its select premium clientele by investing primarily in high-quality, listed Indian companies.
MOAT Portfolio Management Services with its experienced and devoted Portfolio Management Team can supply its premium customers with the proper investment insights while freeing the clients to focus on their respective professions.
Team Moat makes investment decisions on behalf of their clients based on their established track record, in-depth expertise of the economy, business, and stock markets, innovative information systems, and world-class infrastructure.
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Types of MOAT PMS
Types of PMS | |
Discretionary | Yes |
Non-Discretionary | Yes |
The Types of MOAT PMS are discretionary and non-discretionary.
Discretionary and non-discretionary PMS are somewhat similar except for the authorities of making transactions. In discretionary PMS, the team of fund managers can directly execute transactions on behalf of their premium clients.
Thus, if they find out any useful stock which matches the risk appetite of the client they take the call to include it in the portfolio.
With non-discretionary PMS, this complete discretion in the delivery of stocks is not available to the fund managers. They can use their experience to advise the clients on the different opportunities, however, the final decision will be of the client.
MOAT PMS Fund Managers Details
Fund Manager’s Details | |
Name | Koushik Mohan, Suraj Nair |
Experience | 15 Years |
Highest Qualification | Finance |
AUM (in Cr.) | Approx 35.90 Cr. |
Number of Clients | 42 |
Investment Tenure | Minimum 3-5 yrs. |
The MOAT PMS Fund Managers have a combined experience of more than 15 years and have a history of assisting 42+ clients in their years of service.
They have an AUM of Approx Rs.35.90 Cr. They have known names in the industry as fund managers.
Koushik Mohan (Fund Manager)
Koushik has been following the Indian equities market and firing up his desire to get closer to the capital markets since 2014. Before joining Moat Financial Services, he worked at Northern Trust, a Chicago-based custodian bank that manages $1.07 trillion in assets worldwide.
Koushik has a Bachelor’s degree in commerce from Jain University and an MBA from the National Institute of Securities Markets (SEBI).
Suraj Nair (Director & CIO & Fund Manager)
Suraj is a full-time stock investor who, over 15 years of experience in the Indian capital markets and is also the Co-Founder and Executive Director of Moat Financial Services, where he works as a fund manager and helps their customers.
After the Lehman crisis, he resigned from his lucrative job and sold his flat to raise funds to invest in shares.
Suraj is an engineer by profession, who began his career in IT/Software organizations working in the financial/mutual fund sector.
His first active role in the capital market industry was as a Vice President at a leading portfolio management firm.
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MOAT PMS Strategies
Strategies | |
MOAT – Aggressive Leaders Fund | MULTI CAP |
MOAT – Special Opportunities Fund | MULTI CAP |
MOAT – UpperCrust Wealth Fund | MULTI CAP |
MOAT PMS Strategies has 3 distinctive PMS strategies as shown in the table.
They are MOAT – Aggressive Leaders Fund, MOAT – Special Opportunities Fund, and MOAT – UpperCrust Wealth Fund.
MOAT – Aggressive Leaders Fund
Aggressive Leaders is the organization’s high-beta strategy fund, and it is ready to adopt a considerably more proactive, aggressive attitude in the Indian equity market.
They aggressively seek out the unknown, hidden gems that are currently unpopular and undervalued but have the potential to become massive in the coming decade. The decade’s next flavour seeks compound yearly growth of more than 30%.
MOAT – Special Opportunities Fund
Special opportunities investment may take many different forms and include a variety of asset classes. They frequently result from breaking news articles or rumours of upcoming developments. Fund managers actively distribute money between sub-strategies based on market possibilities.
MOAT – UpperCrust Wealth Fund
The requirements for selecting stocks in this strategy are that they should be firms that are currently or will be doing over the next few quarters 10% or more sales growth and 25% or more profit growth.
A return on equity/capital of at least 18% is expected. Operating cash flow to profit ratios should be strong, with minimal cash conversion cycles and a low working capital demand.
MOAT PMS Returns / Performance
Strategy | MOAT – Aggressive Leaders Fund | MOAT – Special Opportunities Fund | MOAT – UpperCrust Wealth Fund | |
Category | MULTI CAP | MULTI CAP | MULTI CAP | |
Return (CAGR) | 1M | -1.32% | 1.22% | -2.17% |
3M | 8.23% | 13.84% | 10.96% | |
6M | 3.38% | 12.68% | -4.07% | |
1Y | 7.89% | 5.05% | NA | |
2Y | NA | NA | NA | |
3Y | NA | NA | NA | |
5Y | NA | NA | NA | |
Since Inception | 36.11% | 50.75% | -9.54% | |
Inception Year | Jan, 2021 | Nov, 2020 | Jan, 2022 |
For the Aggressive Leaders Fund the rate of return can go from -1.32% in the 1st month of investment to 7.89% in the 12th month of investment.
The Special Opportunities Fund is slightly erratic with the returns as it keeps going up and down as the investment period elongates. However, it is higher than the aggressive leader strategy in the 1st of investment at 1.22%.
If the client has a higher appetite for risks, then they can opt for the UpperCrust Wealth Fund as its returns can come across as a bit more volatile.
However, all in all, the MOAT PMS Returns / Performance show that all the strategies provide some of the best rates of returns in the financial services industry.
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MOAT PMS Investment Plans
Investment Plans | |
Bronze (25L – 50L) | Yes |
Silver (50L – 1 Cr.) | Yes |
Gold (1 Cr. – 5 Cr.) | Yes |
Platinum (5 Cr. Plus) | Yes |
MOAT PMS Investment Plans are available at several fund options. A Bronze option is available for between INR 25 Lakh and INR 50 Lakh.
The Silver option ranges between Rs.50 Lakh to Rs.1 Crore. The Gold plan ranges between Rs.1 crore and Rs.5 crore, whilst the Platinum plan is the investment in which the fund exceeds Rs.5 crore.
MOAT PMS Fee Structure or Commission Slabs
Commission / Fees Structure | |
Prepaid Commission | Yes |
Volume% Commission | Yes |
Profit Sharing% Commission | Yes |
The commission slab comprises three types depending on investment amount, transaction volume, and profits earned. The table below clearly shows all of the MOAT PMS Fee Structure.
MOAT PMS Prepaid Commission
Prepaid Commission (Yearly) | |
Investment – 25L – 50L | 1.1% of Investment |
Investment – 50L – 1 Cr. | 1.4% of Investment |
Investment – 1 Cr. – 5 Cr. | 1.1% of Investment |
Investment – 5 Cr. Plus | 1.2% of Investment |
The MOAT PMS Prepaid Commission for investments between Rs. 25 lakh and Rs. 50 lakh is 1.1% of the investment amount. For investments between Rs. 50 lakh and Rs. 1 crore, the fee is 1.4%.
For the final two tiers—Rs. 1 crore to Rs. 5 crore and Rs. 5 crores and above—the commission is 1.1% and 1.4%, respectively.
MOAT PMS Volume% Commission
Volume% Commission (Yearly) | |
Transaction Volume – 25L – 50L | 0.13% of the Total Transaction Volume |
Transaction Volume – 50L – 1 Cr. | 0.16% of the Total Transaction Volume |
Transaction Volume – 1 Cr. – 5 Cr. | 0.14% of the Total Transaction Volume |
Transaction Volume – 5 Cr. Plus | 0.10% of the Total Transaction Volume |
MOAT PMS Volume% Commission is entirely reliant on the fund manager’s trading volume.
The first Volume% fee bracket is 0.13% for the transaction made from 25 Lakh to 50 Lakh. Similarly, the next slab of 50 Lakh to 1 Cr transaction is charged with a 0.16% commission.
Moving forward, transactions between 1 Cr to 5 Cr, has a fee of 0.14% and for a transaction volume of 5 Cr or more, the fee is 0.10%.
Keep in mind that all the fees are charged o the volume of transactions that happens in the PMS period.
MOAT PMS Profit Sharing% Commission
Profit Sharing% Commission (Yearly) | |
Profit Amount – 2.5L – 5L | 25% of the Profit |
Profit Amount – 5L – 10L | 23% of the Profit |
Profit Amount – 10L – 50L | 21% of the Profit |
Profit Amount – 50L Plus | 21% of the Profit |
The fees levied under the profit-sharing method are solely based on how profitable the portfolio is.
In this case, the MOAT PMS Profit Sharing% Commission rate may change based on the profit produced in each portfolio. When the profit falls below Rs.50 lakh, the Profit Sharing% Commission lowers from 25% to 21%.
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MOAT PMS Charges
Charges | |
Management Fees | As per the commission model |
Upfront Fees | 0.71% – 0.91% of Asset Value |
Brokerage Charges | 0.006% – 0.026% of Total Transaction Value |
Custodian Charges | 0.20% – 0.35% of Asset Value |
Depository Charges | 0.17% – 0.30% of Asset Value |
Exit Load – within 12 months | 0.65% – 1.20% of Withdrawal Value |
Exit Load – post 12 months | Free |
The following are the MOAT PMS Charges:
Brokerage charges – The brokerage approach used by MOAT PMS, which levies fees ranging from 0.006% to 0.026% of the total transaction value, leaves this entirely up to the fund management.
Custodian Charges – Clients will be charged an extra fee that ranges from 0.20 to 0.35 % of the asset value if the custodian is changed.
Management Fees – These are based on the commission structure established in the contract between the PMS team and their premium clients.
Upfront Fees – The PMS team also levies a cost up the advance. This cost is comparable to a pre-paid amount. This cost is between 0.71% – 0.91% of the Asset Value.
Depository Fess – Depository fees range from 0.17 % to 0.30 % of asset value.
Exit Fees – By the length and amount of the client’s withdrawal, the PMS house assesses exit load costs. Within 12 months of the investment, the cost ranges from 0.65% to 1.20% of the exit value. In some circumstances, if the withdrawal happens after a year, it can be free.
MOAT PMS Benefits
Benefits / Advantages | |
Top-up Facility | Yes |
Back office Reports | Yes |
Email Update | Yes |
SMS Update | Yes |
Watsapp Update | No |
Portfolio View | Yes |
Detailed View | Yes |
Flexible Commission Model | Yes |
Flexible Investment Plans | Yes |
Massive Experience | Yes |
Long-term performance is the main focus of the MOAT Professional Management’s activity.
The portfolio is continuously evaluated, and the fund managers make frequent adjustments to improve performance and stay clear of landmines.
The team also has a solid history in research, doing in-depth analyses of every firm to assess all potential development prospects and then offer insights to the clients.
These are not the only MOAT PMS Benefits; the organization has many other benefits in the store as mentioned in the table.
MOAT PMS Customer Care
Customer Care | |
Call Support | Yes |
Email Support | Yes |
Chat Support | No |
Watsapp Support | Yes |
Relationship Manager Support | Yes |
Call to Fund Manager | Yes – 1 – 7 times a month |
Issue Resolving TAT | 7 working days |
There are several benefits to this company’s customer service. The MOAT PMS Customer Care offers various types of chat services, including email and WhatsApp.
Though the fund managers always keep the clients up to date with the fund developments, clients can speak openly with their fund manager 1 to 7 times per month as per requirements.
And if any grievances are recorded, the firm will revert within 7 days with a plausible solution.
MOAT PMS Conclusion
Moat’s investment methodology is geared to uncover superior compounding growth stories that can yield consistently rather than in short growth spurts.
With this thought process in mind, the MOAT PMS team always keeps its clients’ best interests in mind.
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