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22. Robo-Advisory & Managed Portfolios

Discretionary Portfolio Management Account

Discretionary Portfolio Management

Account where a professional manager makes all investment decisions on the investor's behalf.

Risk Level
High ★★★★☆
Liquidity
🟡 Medium
Min Investment
₹500
Ticket Size
₹500–₹5,000
Ideal Horizon
5+ years
Region
Global

📈 Historical Returns (Indicative)

1 Year
12–25%
3 Years
12–18%
5 Years
12–16%
10 Years
11–14%
20 Years
11–13%

⚠️ Indicative historical ranges only. Past performance does not guarantee future results. Returns vary significantly across individual instruments.

🧮 XIRR Calculator — Discretionary Portfolio Management Account

Enter your actual investment dates and amounts to calculate your personal annualised return (XIRR). Use negative values for money invested, positive for money received back.

✅ Pros & ❌ Cons

Advantages

  • ✅ High return potential over long term

Disadvantages

  • ❌ High volatility — value can fall significantly in short term

🚀 How to Invest in Discretionary Portfolio Management Account

  1. Research and compare options on Applica Finance
  2. Open appropriate account (Demat, bank, or platform account)
  3. Complete KYC with PAN and Aadhaar
  4. Start with minimum investment; scale up gradually

💰 Tax Treatment (India)

Gains taxed as per applicable income tax slab or capital gains rules
Consult a tax advisor for your specific situation
Disclaimer: This page is for educational purposes only and does not constitute financial advice. Returns shown are indicative historical ranges and not guaranteed. Consult a SEBI-registered investment advisor before investing.
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