Built Around Your Goals
Mutual Fund Advisory That Works in Every Market — Not Just the Good Ones.
From SIP planning to asset allocation, we help you choose mutual funds that fit your goals instead of chasing random returns.
4+
Market falls
resisted
5+
Asset classes in a single investment
36+
Strategies to
invest in
100%
Aligned to your
risk profile
Beyond Random Fund Selection
3 Ways We Build Smarter Mutual Fund Portfolios
Lower risks
Smooth ride across market cycles
Portfolio aligned to your risk profile
Why Work With Us
Client First Approach
Personalised Suggestions
Complete Handholding
Transparency
Dedicated Expert
Meet Anuj Kesarwani
Anuj Kesarwani is the founder of Zenith Finserve, with over a decade of experience in comprehensive financial management.
His expertise spans financial planning, retirement planning, cash flow management, investments, loans, insurance, tax, and estate planning, helping individuals make smarter, well-rounded financial decisions.
He holds globally recognized certifications, including Certified Financial Planner (CFP) and Chartered Trust and Estate Planner™ (CTEP™), reflecting his deep commitment to professional excellence.
Anuj’s insights and perspectives have been featured in leading financial publications such as Moneycontrol, Economic Times, The Fynprint and Outlook Money, making him a trusted voice in the industry.
Mutual Funds, Simplified
7 Mutual Fund Myths Every Investor Should Know
Mutual funds are too risky
Risk varies with the type of fund. Debt funds are generally safer than equity funds, and hybrid funds balance risk and returns. All types of funds are available to suit your needs. We align your mutual fund investments to your needs so that it’s not risky for you.
Mutual funds always give high returns.
There are all types of funds available. Moreover, returns can go up and down depending upon where the money is invested.
You need a demat account to invest in mutual funds.
You can invest even without a de-mat account in SOA form. (Statement of Account). In fact, SOA form is the default form of investment.
Mutual funds only invest in stocks.
Mutual Funds invest in many assets apart from stocks like government bonds, company bonds, Gold, Silver, Oil, Real Estate Investment Trusts (REITs) Infrastructure Investment Trusts (InVITs), and other asset classes based on their objective. This makes Mutual Funds diverse and risk efficient.
Mutual funds have lock-in and are hard to access.
Only some tax-saving funds (like ELSS), solution oriented (like Retirement and children’s funds), and close-ended funds have a minimum lock-in period. Most mutual funds let you redeem your money easily when you need it.
Buying the top-rated / past performing fund guarantees success.
Time after time research shows that top-rated/ past performing funds lag behind in performance in subsequent years.
More funds mean more diversification.
Many research shows that you do not need more than 7 to 11 funds in your overall portfolio. Owning too many can be confusing and generally may not improve returns or reduce risks.
Pathway to your Zenith
We understand your needs, create a customised plan, put the plan into action, and keep reviewing it as life changes.
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Not All Mutual Fund Advisors Are Equal
Most Advisors Pick Funds. We Build Portfolios Around Your Life.
| Aspect | Zenith Finserve | Others |
|---|---|---|
| Understanding your goals | We begin by understanding your purpose of investment | Start with products first |
| Risk assessment | We assess your risk comfort before suggesting funds | Funds are suggested without a deep risk check |
| Fund selection | We shortlist funds based on your goals, time horizon and risk | Focus on new/ popular funds. |
| Professional research | We use deep research to identify suitable funds | Rely on trends |
| Long-term planning | We plan your investments to align with objectives | Focus only on chasing returns |
| Ongoing monitoring | We review your portfolio regularly and adjust as needed | Generally, no reviews are done |
| Education and guidance | We explain types of funds and how they work in simple language | Technical details without explanation |
| Tax efficiency | We help you choose tax-efficient funds where possible | Tax implications are generally missing |
| Client focus | We aim for clarity, transparency, and your confidence | Focus on own incentives |
Frequently Asked Quetions
Is a mutual fund 100% safe?
No. Mutual funds are market-linked investments.
Their value changes with market movements. Mutual funds do not offer guaranteed returns.
However, choosing the right fund and staying invested for the right duration can reduce risk.
Is a mutual fund better than an FD?
There are some low risk mutual funds that provide more tax efficient returns than FD with minimal risk.
Though, mutual funds and fixed deposits generally serve different purposes.
FDs offer stability and predictable returns but are less tax efficient.
Mutual funds provide all types of solutions for medium to high growth.
Can I get a loss in mutual funds?
Yes. Mutual funds can show losses in the short term, especially aggressive funds like equity funds.
Losses generally occur when markets fall and investments are sold at the wrong time.
Investing in well-researched funds aligned to your needs generally helps to avoid the loss in mutual fund investments.
How many years is best to invest in mutual funds?
Mutual funds have broadly 3 categories – equity, hybrid, and debt. Generally, for equity mutual funds, a minimum investment period of 5 to 7 years for one-time investment and 7 to 10 years for SIP investments is ideal.
What is the biggest risk in mutual funds?
Market risk is the biggest risk. The value of investments changes daily.
Other risks include choosing the wrong fund and exiting at the wrong time. Proper planning, research, and discipline help reduce these risks.
Which is the safest type of mutual fund?
Debt funds such as liquid funds, overnight funds are generally the safest category of mutual funds.
They invest mainly in fixed-income securities. However, they are not completely risk-free and have limited return potential.
What is the main disadvantage of a mutual fund?
Returns are not guaranteed. Mutual fund performance depends on market conditions.
You may even experience losses if you invest without research, risk assessment, planning, or exit during market volatility.
How do I choose the right mutual fund?
Start by identifying your financial goals, time horizon, and risk profile.
Choose funds that match these factors. Avoid selecting funds based only on recent performance. Take help of Zenith Finserve to find the right mutual fund for your investments.
What’s the average return on mutual funds?
Returns depend on various factors like your entry point, frequency of investment (one-time or regular intervals), type of fund, and others.
Equity mutual funds have historically delivered above 12% over 7 years.
Hybrid funds and Debt funds usually offer lower but more stable returns. Though, returns are not guaranteed.