Many investors believe that self-investing is the smartest way to build wealth. After all, with so much financial information available online, why pay for expert help?

But here’s the catch: investing isn’t just about picking the “best” mutual fund or bond. It’s about building a portfolio that adapts to your life goals, risk tolerance, and changing market conditions. This is the core of what the best portfolio management services in India provide – offering structured, research-driven growth that evolves with you.

At Dezerv, we believe investors deserve more than random fund picks. They deserve portfolios carefully designed by professionals who combine data, experience, and strategy to grow wealth sustainably, setting a new standard for portfolio management.

Self-Investing vs. Expert-Built Portfolios

Self-investing often looks appealing:

• No advisory fees.
• Full control over investment decisions.
• Access to endless online recommendations.

However, it comes with hidden challenges:

• Overchoice: India has over 2,500 mutual fund schemes across categories. Picking the right ones is overwhelming.
• Bias and guesswork: Many investors chase past performance, risking losses when markets change.
• Lack of diversification: A “top-performing” fund may not balance risk across equity, debt, and bonds.

In contrast, an expert-built portfolio focuses on:

• Scientific fund selection: Based on metrics like expense ratio, consistency, and risk-adjusted returns.
• Dynamic allocation: Rebalancing across mutual funds and bonds as markets evolve.
• Alignment with goals: Whether you’re saving for a house, retirement, or wealth creation.

How Dezerv’s Expert Portfolios Work

Dezerv eliminates the guesswork. Our experts analyse funds, bonds, and market trends to build portfolios that match your financial journey.

1. Understanding you: Goals, time horizon, and risk appetite are assessed.
2. Fund selection: High-quality mutual funds are shortlisted using SEBI and AMFI-compliant frameworks.
3. Bond integration: Government and corporate bonds are added for stability and regular income.
4. Continuous monitoring: Portfolios are reviewed and rebalanced as markets shift.

Think of it like having a professional chef curate your meals instead of picking random items from a buffet.

The Role of Mutual Funds in Growth

Mutual funds remain the cornerstone of long-term wealth creation. Expert-built portfolios carefully mix:

• Equity funds for growth.
• Debt funds for stability.
• Hybrid funds for balance.

For example, a young investor may have a higher allocation to equity funds, while someone nearing retirement would shift towards debt funds and bonds. The expert ensures the right mix without emotional bias.

Why Bonds Add Stability

While mutual funds fuel growth, bonds provide the cushion.

• Government bonds: Safe, predictable returns.
• Corporate bonds: Slightly higher returns with manageable risk.
• Tax-saving bonds: Added advantage under Section 80C.

By blending bonds with mutual funds, portfolios can generate steady income while cushioning against market volatility.

Case Study: Two Investors, Two Journeys

• Rohan, 30: Self-invested in a few high-return equity funds. When markets dipped, his portfolio fell sharply, and he panicked.
• Neha, 30: Opted for Dezerv’s expert-built portfolio. Her mix of equity mutual funds and government bonds softened the blow during market dips, keeping her long-term goals intact.

The difference? Neha’s portfolio was designed to grow and protect wealth, not chase short-term returns.

Why Expert-Built Portfolios Win in the Long Run

1. Time-saving: No need to track hundreds of funds and bonds.
2. Professional edge: Backed by research and market insights.
3. Goal-driven: Portfolios designed to grow with you, not just the market.
4. Risk-managed: Diversification reduces the impact of downturns.

Frequently Asked Questions

Q1. Are expert-built portfolios better than investing in individual funds?
Yes. While individual funds may perform well, an expert portfolio ensures balance, diversification, and risk management tailored to your goals.

Q2. Can bonds really improve my portfolio returns?
 Bonds may not offer high growth like equities, but they provide stability and income, reducing overall risk.

Q3. What is the minimum I need to start with Dezerv?
 Dezerv allows you to start with accessible amounts, unlike Portfolio Management Services (PMS) that require ₹50 lakh.

Q4. How often are portfolios reviewed?
 Portfolios are continuously monitored and rebalanced as needed, ensuring they adapt to changing markets and your evolving needs.

Q5. Are Dezerv portfolios safe?
 All investments carry risk. However, Dezerv’s process-driven approach ensures risks are managed, and investments are aligned with SEBI and AMFI guidelines.

Conclusion: Grow with Experts, Not Guesswork

Self-investing may work for some, but most investors struggle to balance growth and safety. With Dezerv’s expert-built mutual fund and bond portfolios, you don’t just invest – you grow confidently, knowing your money is managed by professionals.

Ready to move beyond self-investing?

>> Book an expert call with Dezerv today and let your portfolio grow with you.