Participate directly in India's growth story. Buy and sell shares of companies listed on NSE & BSE for long-term wealth creation.
Investing in quality companies with strong fundamentals. The goal is to hold these stocks for years (3-5+ years) to benefit from the power of compounding and business growth.
For aggressive investors, we provide platforms for Intraday trading and Futures & Options (F&O). Note: F&O involves high risk and requires deep market understanding.
We believe that stock prices eventually follow earnings. Our focus is on identifying businesses with sustainable competitive advantages (moats), high capital efficiency, and honest management.
Capital preservation is our first priority. We strictly adhere to stop-loss disciplines in trading and margin of safety principles in investing to protect your portfolio from severe drawdowns.
To hold shares in electronic format. Mandatory for all stock market transactions.
To execute buy and sell orders on the stock exchanges (NSE/BSE).
Linked to trading account for fund transfer.
| Feature | Direct Equity | Mutual Funds | PMS |
|---|---|---|---|
| Minimum to start | Cost of one share | ₹500 SIP | ₹50 lakh |
| Who picks stocks | You | Fund manager, pooled portfolio | Portfolio manager, individual account |
| Diversification | Only what you build yourself | Built-in, dozens-hundreds of holdings | Deliberately concentrated, 15-30 stocks |
| Effort required | Ongoing | Minimal after selection | Minimal day-to-day but active tax review |
| Tax tracking burden | Entirely on you, every trade | None until redemption | Significant annual reconciliation |
| Cost | Brokerage + STT + demat, no management fee | Expense ratio in NAV | Management or performance fee + GST |
This is a trade-off in effort and cost, not simply a question of one route being "better" or "worse."
Shares sold within 12 months attract short-term capital gains tax at 20% flat.
Shares sold beyond 12 months attract long-term capital gains tax at 12.5%, with the first ₹1.25 lakh per financial year exempt and no indexation.
STT is roughly 0.1% and is applied automatically on both the buy and sell leg of delivery-based equity transactions.
Dividends are added fully to taxable income and taxed at the investor's applicable slab rate.
Futures and options trading is treated as non-speculative business income taxed at the investor's slab rate, not as capital gains.
A mandatory tax audit under Section 44AB applies above the relevant turnover thresholds. F&O losses can offset most other income and may be carried forward for up to 8 years, subject to the applicable income-tax filing requirements.
| Tends to be a good fit | Tends to be a poor fit |
|---|---|
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Money n Wealth can help assess whether direct equity belongs alongside your diversified core, align the allocation with your risk capacity, and provide access to research-led solutions tailored to your requirements. The objective is disciplined portfolio construction and informed decision-making—not short-term stock tips.
Is it right for you?
Our process
Identify concentration, overlap with your funds and positions that no longer fit your plan.
Plain-language analysis of upcoming issues, valuations and risks.
Decide how much of your wealth belongs in direct stocks versus funds.
Understand financial statements, valuation basics and risk management.
FAQs
Access to SEBI-registered PMS strategies for eligible investors (₹50 lakh minimum) through an APMI-registered distributor.
Learn moreSEBI's new SIF category — long-short equity, debt and hybrid strategies with a ₹10 lakh minimum — bridging mutual funds and PMS.
Learn moreEducational market research — fund reviews, PMS and AIF analysis, IPO notes and macro updates — for informed decisions.
Learn moreGoal-based SIPs and diversified mutual fund portfolios across equity, debt, hybrid and index funds through an AMFI-registered distributor.
Learn moreFree, no-obligation consultation with the Money n Wealth team in Thergaon, Pune — or online from anywhere in India. Leave your number and we'll call you back within one working day.
Money n Wealth is a brand of Predics Fintech Services Pvt Ltd — AMFI-registered Mutual Fund Distributor (ARN-121995) and APMI-registered PMS Distributor (APRN-07444). We are not a SEBI-registered Investment Adviser or Research Analyst; content on this page is for information and education. Mutual fund, SIF, PMS and AIF investments are subject to market risks — read all scheme and offer documents carefully before investing.