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Ithought PMS factsheet- December 2025

ithought PMS factsheet – December 2025

December 2025 marked a reflective pause for markets after a year of ups and downs, allowing fundamentally strong portfolios to demonstrate resilience. Our PMS strategies held steady, emphasizing quality businesses and smart asset allocation amid slowing momentum. This blog highlights our offerings, performance as of December 31, 2025, and key factors driving results.   We offer 5 different strategies that cater to different investors. What we should highlight here is that, we did nothing fancy, we stuck to the basics, and it paid off. Let’s see how. Click here Performance Highlights What worked well for us? Resilience in volatile markets stemmed from core principles. Debt-free focus (e.g., 77% in Solitaire, 55% in Vrddhi) buffered downturns, while low betas (0.76-0.77 in equities) reduced drawdowns. Multi-asset strategies like Sphere & Nio thrived via dynamic asset allocation, capturing upsides without overexposure. We stayed true to our core philosophies- owning good businesses, thoughtfully diversifying, and let compounding do the heavy lifting, and that definitely worked wonders for us. Stepping into the new year, we urge every investor to make one powerful financial resolution: move from ad-hoc investing to a clear, process-driven journey. It is about construction; building portfolios that can stay invested without constant intervention. That’s what we help you with at ithought. We began our journey in 2026 not chasing what worked last, but staying committed to what works overtime: quality businesses, thoughtful diversification, and the discipline to let compounding do its job.  Reach out to the ithought team, schedule a conversation, and let this new year be the year you not only invest, but invest with intent.

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RBI Reforms To Boost Banks

RBI Reforms To Boost Banks

The RBI left the repo rate unchanged in its October meeting. This was expected as Inflation is trending lower. The MPC also hinted that there is room to cut rates further if growth needs support. Markets now expect up to 50 bps of rate cuts in this cycle. Why Banks Benefit For banks, a stable repo rate supports net interest margins. More importantly, the RBI announced a series of regulatory changes. These are largely positive for the sector. Risks Still Remain Not all the changes are positive. Two areas stand out: What This Means for Investors Overall, the policy is very supportive. Rate cuts so far and ahead would lift credit demand. Regulatory easing creates capital relief, lowers costs, and opens new lending opportunities. Large private banks are best placed to benefit. PSU and mid-size banks face more challenges, but phased ECL norms give them time to adapt. The RBI is balancing growth with prudence. For investors, this means India’s banking sector remains a core driver of the economy. Selectivity is key. The best opportunities lie in strong, diversified lenders that can capture both retail and corporate upside.

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PMS vs Direct Stock Investing

PMS vs Direct Stock Investing

When it comes to wealth creation, buying a stock is the easy part. The real challenge lies in what happens afterward, deciding how much to hold, when to add, and when to let go. For most individual investors, these decisions aren’t guided by research or conviction but by emotions, market chatter, and the constant fear of missing out. The Challenges of Direct Stock Investing Investing isn’t just about picking stocks; it’s about constructing and managing a portfolio with conviction. This means rebalancing it from time to time as the market and your goals change. That’s where many individual investors struggle. Managing individual positions without professional expertise can quickly become overwhelming. What starts as an exciting journey often turns into stress and confusion. Where PMS Brings an Edge This is where Portfolio Management Services (PMS) make a big difference. PMS gives you access to professional fund managers who bring conviction backed by deep research and years of experience. Unlike direct stock investing, which depends heavily on personal discipline and market knowledge, PMS ensures a structured and strategic approach. Now although direct stock investing certainly offers control and flexibility, it demands time, knowledge, and emotional discipline to build a focused and well-managed portfolio. PMS, on the other hand, takes away the stress by providing expert portfolio construction and timely rebalancing, allowing investors to participate actively in markets without being bogged down by daily decision-making. Now that we understand this, the real question is which one is better for your long-term goals! Perhaps the takeaway isn’t whether PMS is better than direct investing, but rather, what kind of investor do you really want to be, and how much of the process do you want to manage yourself in the long-term?

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