Sohum Wealth

28/08/2026

“Are you considering PMS but confused between Discretionary and Non-Discretionary PMS? Let’s understand the difference in just 60 seconds!”

Discretionary PMS:
Here, the PMS Manager takes the investment decisions on your behalf. The manager analyzes opportunities, decides what to buy or sell, and executes the trades as per the agreed investment strategy.

This means you have less day-to-day involvement, making it suitable for investors who prefer professional management and may not have the time to actively track every investment decision.

Non-Discretionary PMS:
Here, the final decision remains with you, the investor. The PMS Manager provides recommendations, but the transaction is generally executed after your approval.

So, you have greater involvement and control, but it may also require more time and attention.

Both approaches aim to manage and grow your investments. The real difference is simple:
Do you want the professional manager to make decisions within the agreed mandate, or do you want to stay actively involved in approving them?

“Want to understand which PMS approach may suit your investment preferences? Connect with Sohum Wealth to learn more.”

Mutual funds are subject to market risks. Please read all scheme-related documents carefully before investing.
Mahendra Ashtekar
AMFI Registered Mutual Fund Distributor
ARN: 99800
AMFI Registered PMS Distributor
APRN: 00026
Mutual Fund Analyst
📞Contact : 8828351568

27/08/2026

“Did you know? ₹10 lakh today may not have the same purchasing power 15 or 20 years from now!”

“That’s because of inflation. Inflation means the prices of goods and services rise over time, reducing the purchasing power of your money.

For example, if your money grows slower than inflation, you may actually lose purchasing power—even though the amount in your bank account stays the same.

That’s why simply saving money may not always be enough.

Saving is important for emergency funds and short-term goals. But for long-term goals like your child’s education, buying a home, retirement, or building long-term wealth, your money may need the potential to grow over time.

This is where investing becomes important.

A well-planned investment strategy should consider your financial goals, investment horizon, risk appetite, and asset allocation.

And remember—the goal is not always to chase the highest returns, but to choose the right strategy for your needs.”

“The power of compounding means that staying invested for the long term can give your money more time and potential to grow.”

“So ask yourself: Is your money growing faster than inflation?

Review your investments regularly and make sure they are aligned with your financial goals.DM Sohum Wealth for more information.

Mutual funds are subject to market risks. Please read all scheme-related documents carefully before investing.
Mahendra Ashtekar
AMFI Registered Mutual Fund Distributor
ARN: 99800
AMFI Registered PMS Distributor
APRN: 00026
Mutual Fund Analyst
📞Contact : 8828351568

26/08/2026

“Markets are falling… but the real question is: What should PMS investors actually do during a market correction?”

First, stay calm. A market correction is a normal part of investing. Don’t react to headlines or short-term noise.

Instead of asking, ‘How much has the market fallen?’ ask yourself: ‘Is my investment thesis still intact?’

Understand why your portfolio is falling. Is it because of a market-wide correction, sector pressure, valuation changes, or something specific to the company?

Then review your investment thesis. Is the business still strong? Has its growth outlook changed? Has management or its competitive position weakened?

And remember—don’t compare a PMS based only on short-term returns. Review the strategy, holdings, risk, liquidity, and long-term benchmark.

“Don’t try to predict the bottom. Use market corrections as an opportunity to review your portfolio and stay focused on the long term.”

“If you’re a PMS investor, save this reel for the next market correction—and review your portfolio with discipline, not emotion.”

📩 Want to review your PMS portfolio during a market correction? Connect with Sohum Wealth for more information.

Mutual funds are subject to market risks. Please read all scheme-related documents carefully before investing.
Mahendra Ashtekar
AMFI Registered Mutual Fund Distributor
ARN: 99800
AMFI Registered PMS Distributor
APRN: 00026
Mutual Fund Analyst
📞Contact : 8828351568

25/08/2026

“Are you earning ₹1 lakh per month and wondering how much you should invest? Here’s a simple way to think about your money!”

“First, remember—earning more is important, but how you manage and invest your income is what can make a real difference over time.”

“Step one: take care of your essential needs. Ideally, around 50–55% of your income can go towards necessary expenses, depending on your lifestyle and responsibilities.”

“Step two: build an emergency fund. Try to keep around 6 to 12 months of essential expenses aside for unexpected situations.”

“Step three: invest for your short- and medium-term goals—whether it’s buying a car, travelling, purchasing a home, or funding education.”

“Then focus on long-term wealth creation through suitable investment options based on your goals, time horizon, and risk profile.”

“And don’t forget protection. Health insurance, life insurance where appropriate, and asset protection can play an important role in your financial plan.”

“The key is simple: Start early, stay consistent, and let compounding work over time.”

“Want to review your investment strategy? Connect with Sohum Wealth and let’s discuss your financial goals.”
Mutual funds are subject to market risks. Please read all scheme-related documents carefully before investing.
Mahendra Ashtekar
AMFI Registered Mutual Fund Distributor
ARN: 99800
AMFI Registered PMS Distributor
APRN: 00026
Mutual Fund Analyst
📞Contact : 8828351568

24/08/2026

“Planning to invest ₹50 lakh or more in a PMS? Stop! Before investing, ask these 5 important questions.”

“First—Who is managing your portfolio, and what is their track record?
Understand the experience, investment philosophy, and performance across different market cycles.”

“Second—What is the investment process and strategy?
Know where your money will be invested, how stocks are selected, and when the portfolio is reviewed.”

“Third—How diversified is the portfolio?
Check whether your investment is spread across different sectors and companies—or concentrated in just a few stocks.”

“Fourth—What are the fees, terms, and lock-in conditions?
Always understand the complete cost structure, exit conditions, and other applicable terms before investing.”

“And fifth—How is risk managed during market volatility?
Because returns are important, but protecting your capital and managing downside risk is equally important.”

“So, before investing ₹50 lakh in PMS, don’t invest based only on past returns. Ask the right questions, understand the strategy, and make an informed decision.”
“Want help understanding PMS options? Connect with Sohum Wealth.
Mutual funds are subject to market risks. Please read all scheme-related documents carefully before investing.
Mahendra Ashtekar
AMFI Registered Mutual Fund Distributor
ARN: 99800
AMFI Registered PMS Distributor
APRN: 00026
Mutual Fund Analyst
📞Contact : 8828351568

22/08/2026

Do you know when your investment portfolio needs a review? Here are 5 important signs you should not ignore!

First — Your goals have changed.
Marriage, children, buying a home, or planning for retirement can change your financial priorities. Your investment strategy should reflect your new goals.

Second — Your asset allocation is out of balance.
Market movements can increase or decrease your exposure to equity or debt. Regular rebalancing can help keep your portfolio aligned with your financial goals

Third — Some investments are consistently underperforming.
If certain investments are repeatedly affecting your overall portfolio, it may be time to review whether they still fit your strategy.

Fourth — Your risk profile has changed.
As your income, responsibilities, age, or financial situation changes, the amount of risk you are comfortable taking may also change.

And fifth — It has been more than 6 to 12 months since your last review.
Regular portfolio reviews can help you stay aligned with your goals and adapt to changing circumstances.

Remember, a portfolio review is not about reacting to every market movement. It's about making sure your investments still match your goals, time horizon, and risk profile.

Connect with Sohum Wealth to discuss your portfolio review and financial roadmap.

Mutual funds are subject to market risks. Please read all scheme-related documents carefully before investing.
Mahendra Ashtekar
AMFI Registered Mutual Fund Distributor
ARN: 99800
AMFI Registered PMS Distributor
APRN: 00026
Mutual Fund Analyst
📞Contact : 8828351568

20/08/2026

20/08/2026

“Here’s a question every long-term investor should ask…

If you’re investing for the next 5 to 10 years, should you actually want the market to go down?”

“When markets fall, most investors get nervous.

But if you are investing through a SIP and don’t need the money immediately, a market correction can actually give you an opportunity to accumulate more units at lower prices.

For example, suppose one unit costs ₹10 today.

If the price rises to ₹12, your S I P buys fewer units.

But if the market falls and the price comes down to ₹8, the same SIP amount buys more units.

That’s one of the advantages of staying invested during market volatility.

But remember—every falling stock or fund is NOT automatically a good investment.

You still need to consider the investment quality, your time horizon, risk tolerance, financial goals, and asset allocation.”

“So, if your goal is several years away, don’t focus on predicting every market move.

Focus on following a disciplined investment strategy.”

“Market corrections can be uncomfortable, but your long-term plan shouldn’t change just because the market does.

Invest with a plan, not with emotions.”
Connect with Sohum Wealth for more information.
Mutual funds are subject to market risks. Please read all scheme-related documents carefully before investing.
Mahendra Ashtekar
AMFI Registered Mutual Fund Distributor
ARN: 99800
AMFI Registered PMS Distributor
APRN: 00026
Mutual Fund Analyst
📞Contact : 8828351568

19/08/2026

“One family can have different financial goals…
but does every goal need a completely different investment approach?”

“Imagine a family with three important goals:
Child’s Education, Retirement, and Wealth Creation.”

“For your child’s education, focus on the time horizon, suitable asset allocation, and regular investing through SIPs.”

“For retirement, focus on long-term wealth creation, diversification, regular investments, and periodic portfolio reviews.”

“And for wealth creation, the focus can be on long-term growth, future opportunities, financial independence, and legacy creation.”

“The key is not to simply ask, ‘Which mutual fund should I invest in?’
Instead, ask:
What is my goal? When will I need the money? How much will I need? And what level of risk is suitable?”

“Because successful investing is not about having the maximum number of investments.
It’s about having the right strategy for the right goal at the right time.
Connect with Sohum Wealth to understand goal-based investment .”

Mutual funds are subject to market risks. Please read all scheme-related documents carefully before investing.
Mahendra Ashtekar
AMFI Registered Mutual Fund Distributor
ARN: 99800
AMFI Registered PMS Distributor
APRN: 00026
Mutual Fund Analyst
📞Contact : 8828351568

18/08/2026

“Imagine if the money you invest today could become your regular income tomorrow. That’s the power of a **SIP → SWP strategy**.”

“During your working years, you focus on wealth creation.
For example, a **₹50,000 monthly SIP for 25 years**, assuming an illustrative 12% annual return, can potentially build a corpus of around **₹9.5 crore**.”

“Once your wealth is built, you can shift from the **accumulation phase to the withdrawal phase** using an SWP—Systematic Withdrawal Plan.”

“Suppose you have a ₹9.49 crore corpus and withdraw **6% annually**. That’s approximately **₹56.9 lakh per year**, or about **₹4.74 lakh per month**

“The idea is simple:
**Earn - Invest -Compound -Build Corpus -Withdraw systematically.**
But the withdrawal rate, asset allocation, inflation and market conditions all matter.”
“So don’t just plan how to build wealth—plan how you’ll use it too.

For a strategy suited to your goals, risk profile and time horizon, Connect with Sohum Wealth for more information.
Mutual funds are subject to market risks. Please read all scheme-related documents carefully before investing.
Mahendra Ashtekar
AMFI Registered Mutual Fund Distributor
ARN: 99800
AMFI Registered PMS Distributor
APRN: 00026
Mutual Fund Analyst
📞Contact : 8828351568

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