A PMS or wealth manager typically charges 1–2% of your corpus every year, forever. A one-time advisory fee is paid exactly once. See the gap over time.
Corpus to be managed ₹75,00,000
₹10L₹3Cr
PMS / AUM-based fee 1.5%/yr
0.5%2.5%
One-time advisory fee ₹60,000
₹25,000₹1,50,000
Investment horizon 10 years
3 yrs25 yrs
You would pay this much more, forever
₹0
in AUM-based fees over 10 years, compared to paying once.
Illustrative calculation only, assuming 10% annual corpus growth for both scenarios. Actual PMS, AUM, and advisory fee structures vary by provider. This tool does not name or make claims about any specific PMS, fund, or provider, and does not constitute investment advice. Prepared by Sukhanidhi Investment Advisors, SEBI RIA INA200015246.