Mutual Funds
Own Ten Mutual Funds.
Still Not Diversified.
POWERED BY DWAITH ADVISORY
Are your mutual funds actually building wealth or just giving you the illusion of diversification?
Most Indian investors own 8, 10, sometimes 15 schemes. Different names. Same underlying stocks. Same underlying risk.
We help you fix that by starting with your goal and building the asset allocation to match, not by adding one more fund to the pile.
We won’t share your financial data
Why Choose Us
Most mutual fund advice in India is a product recommendation, not a plan. We work the other way around, start with what you’re actually saving for, design the asset allocation that gets you there, and then choose the funds that fit the allocation. Not the other way around.
Asset Allocation First, Fund Selection Second
Owning ten funds is not diversification if seven of them hold the same top 15 stocks. We start by mapping your goals against the right mix of equity, debt, hybrid, and multi-asset, then choose funds that actually deliver that mix. Cleaner portfolios. Real diversification. Fewer overlaps.
Access to Lower Expense Ratio Funds
Every 1% you pay in expense ratio is roughly 20% of your final corpus over 25 years. We work with high-quality fund houses that offer some of the lowest expense ratios in the industry, the same schemes, without the drag of higher-cost variants. A small number. Enormous compounding impact.*
SIPs, STPs, SWPs — All Three, Used Properly
Most families use SIPs and stop there. But wealth compounds faster when the three work together, SIPs for regular building, STPs for staged lump sum deployment, SWPs for tax-efficient withdrawal at retirement. We design the full lifecycle, not just the entry.
A Free Family Wealth Check-Up.
Most mutual fund advisors send you to a relationship manager. We do it differently.
As a WealthNest user, you’re eligible for a free expert call with Dwaith Advisory.
Here’s what the call covers:
→ Goal-based mutual fund planning: mapping your real family goals to a portfolio strategy
→ Asset allocation tailored to your risk profile: not a template, not a questionnaire result
→ Access to high-quality fund houses with some of the lowest expense ratios in the industry *
→ Guidance on SIPs, STPs and SWPs: how to build, deploy and withdraw across the lifecycle of a portfolio
No sales pitch. No pressure. If your portfolio is already in good shape, you’ll hear that from him directly.
Real Goals. Real Plans.
Two examples from families we’ve worked with. Both anonymised.
Case 1: A College Corpus for a Son
Mr. A wanted to build a ₹25 lakh corpus for his son’s college education. Timeline: 3 years.
We used a mix of Systematic Investment Plans and staged lumpsums, allocated across hybrid funds, dividend yield funds and multi-asset funds. Growth-oriented but not aggressive, the horizon was short and the goal was non-negotiable.
The corpus was reached in 2 years, a full year ahead of plan. Once we crossed the target, a good portion of the portfolio was moved into lower-risk debt funds to protect the corpus from market volatility ahead of the withdrawal window.
Goal achieved. Ahead of schedule. Without last-minute panic.
Case 2: A Travel Fund That Refills Itself
Ms. B wanted to save for regular travel, not one big trip, but an ongoing lifestyle goal.
She invested a lump sum, which we initially parked in lower-risk funds. Over time, we moved a growing share into equity and balanced funds so the corpus could compound.
Now, when she plans a trip, she withdraws a portion of the portfolio to fund it. The balance stays invested, keeps compounding, and rebuilds the corpus for her next trip.
A travel goal that funds itself. Every year. Without depleting the base.
What we help you plan for |
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Salaried professionals with ESOPs |
School and college corpuses with defined timelines |
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Home Purchase |
Down payment corpus over 5–10 years |
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Travel & Lifestyle |
Recurring lifestyle goals that self-refill |
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Retirement |
Long-horizon compounding for financial independence |
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Wedding |
Fixed-date corpus with de-risking near the goal |
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Medical Reserve |
Family emergency corpus in liquid instruments |
Frequently Asked Questions
Find answers to common questions about our mutual funds services
Book your free wealth check-up. We will spend 30 minutes understanding your goals, timelines, and existing investments. Within one working day of the call, you'll get a written goal plan and a portfolio recommendation. If it works for you, we help you set up the SIPs, STPs and lumpsums directly.
Mutual fund distribution through WealthNest is handled by Dwaith Advisory Pvt Ltd, our sister company and an AMFI-registered Mutual Fund Distributor (ARN-358625). Tatvartha WealthNest AI Pvt Ltd is a SEBI-registered Investment Adviser (RIA No. INA000022464). All regulated activity, advice, execution, servicing, happens through the appropriate licensed entity.
Because owning 10 funds is not the same as being diversified. Most portfolios we review have three or four funds doing the same job, different names, same top holdings, same sector concentration. A plan tells you what's overlapping, what's actually working, and what to consolidate. Often, the answer is fewer funds, not more.
SIPs typically start at ₹500 per month per fund. Lumpsum investments start at ₹5,000 for most schemes. There's no minimum portfolio size on our side, we work with families building their first ₹10 lakhs and families managing ₹10 crores.
Your consultations and portfolio planning are free. We're compensated through standard AMFI-regulated trail commissions paid by the fund houses the same rates every registered distributor gets. You don't pay us anything additional. We also prioritise fund houses with lower expense ratios where quality and access permit, so more of your money stays invested.
You can absolutely buy direct plans on your own. What you don't get is the asset allocation design, the twice-yearly reviews, the de-risking discipline as your goals approach, and the SWP structuring at retirement. For families juggling five goals, three earners, and twenty years of decisions, guided investing usually pays for itself many times over. If you already have all of that sorted, direct plans are a great option.
Yes, mutual funds are open-ended and generally liquid. Most equity and hybrid funds settle in 2–3 working days. Some funds have exit loads for early redemption (typically within the first year). We flag these upfront when we design your portfolio.
Mutual funds are subject to market risk, the value of your portfolio will move with the market. But your investments are held with SEBI-regulated Asset Management Companies, not with us or with Dwaith. We never hold client money. Your units sit in your name, in your folio, and can be redeemed by you directly at any time.
Every family we work with gets access to WealthNest.AI, our unified dashboard. Your mutual fund investments show up alongside your bank accounts, insurance and other holdings, one view of your entire family's wealth. No spreadsheets. No app-hopping.
Dwaith Advisory Private Limited | N 11, 24th Main Road, J. P. Nagar 1st Phase, Bengaluru, Karnataka 560041 | CIN: U74999KA2018PTC118630 | GSTIN: 29AAGCD9549J1ZY | AMFI ARN: 358625 | Category: Mutual Fund Distributor
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance is not indicative of future returns.
Tatvartha WealthNest AI Private Limited is a SEBI-registered Investment Adviser (RIA No. INA000022464). Mutual fund distribution activities are carried out by Dwaith Advisory Pvt Ltd (ARN-358625). Visitors to this page are solicited by Dwaith Advisory Pvt Ltd for mutual fund distribution.
*Expense ratio comparisons are indicative and based on publicly available scheme information. Actual expense ratios vary by scheme and are updated periodically by the respective Asset Management Companies. T&Cs apply.