DIY vs Advisor-Led Portfolio

Introduction

Mutual fund investing has become DIY-friendly — with easy apps, SIPs, and research tools.

But should you manage it all alone?

A professional financial advisor brings strategy, emotion control, and long-term discipline.
This blog helps you decide: DIY or Advisor-Led — what’s right for you?

DIY Portfolio – When It Works 👍 Good for:

• Financially literate investors
• Those who enjoy research and tracking
• Simple portfolios (3–4 funds)

• Emotional decisions
• Inconsistent rebalancing
• No expert to review goals/risks

• Busy professionals or beginners
• Multiple goals (retirement, child education)
• Complex portfolios (10+ funds, tax planning)

• Custom portfolio planning
• Rebalancing and goal review
• Behavioural coaching during market stress

• Ravi manages his own portfolio. During COVID crash, he redeemed all his equity funds in panic — and missed the bounce-back.
• Asha, who had an advisor, stayed put and even added SIPs. By 2023, she had a CAGR of 13.2% vs. Ravi’s 8.7%.

DIY is great for confident investors with time and discipline.

 Ask yourself: Do I have the time, knowledge, and temperament to go solo?

Summary Table: DIY vs Advisor-Led