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Comparison Tables

Investment Modes

Compare	APS	Fixed Deposit	Mutual Fund
Statistical ROI (in last 5 years);	21% (80% Investors in the range of 15-26%)	~6% (After tax)	Majority of Mutual funds below 4%
Is it free from entry/exit barrier?		Sometime
Is there some yearly overhead cost?	Negligible (Less than 1% for investment of more than 4 lakh)	Nil	Around 3% (Watch out expense ratio of your mutual fund)
Can investors protect themselves in case of confirmed bad news on short notice?		Not Required	No! Often regulation, internal policies, and organizational inertia are big inhibitors
Chances of past performance repeat.	Most likely! APS data is based on broader statistical parameters. We do not focus or recommend specific stock(s). Hence, our approach is more like insurance companies.	Almost without much variation	Not guaranteed.
Can I hedge using F&O for uncertainty at fixed point of time?		Not Required

Investment Channels

Compare	APS	PMS	Stock Tips (Paid or Free from TV news)
Past Performance Verification	Provides all necessary data and tool to validate.	Either trust the person or need to validate through some other sources	Almost no way one can validate.
Do they take care of balancing the portfolio?		Probably
Do they take care to provide exit signal on time?		Not Required	No! They just provide tips and exit criteria at the same time, often tough for investors to follow the same.
Do they take care of my budget?		Not Required
Service Charge	Negligible (Less than 1% for investment of more than 4 lakh)	Often 2% fixed + 20% of your profit. Nearly 6% (assuming they also give 20% yearly return)	Anywhere between 2-4% for investment of 4 lakh. Free? There is no free lunch in finance.
Control on money	It is all the time in investors' hand	Often need to transfer money to their account.
Can I hedge against F&O?			No! Reasons: 1. They hardly take long term investment approach 2. Often stocks are beyond F&O segments

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