I have been using CONCEPT services since 2010 and I have had a really good experience with them. It's the advisor who matters a lot and Mr Hemantbhai, Mr Siddharthbhai (Fund Manager) and Mr Jenishbhai have been very patient in addressing our queries and sharing stock market knowledge with us. They have managed our portfolio really well, periodically they review and reallocate funds and book profit. I understand we can make some extra money if we buy direct funds but I wouldn't have created such good portfolio (size, profitable as well as mix) if I had invested on my own. If you are a beginner I suggest you associate with Concept Securities for safe and good returns. Happy Investing.