Why You Shouldn’t Pay High Fees When Your Portfolio Doesn’t Perform
- Open with a relatable question:
“Would you pay a restaurant for a meal you didn’t enjoy? Then why pay hefty fees for an underperforming portfolio?” - Introduce the issue with traditional PMS:
Many wealth management services charge high fixed fees, regardless of how well your money performs. - Briefly introduce Dezerv and how its approach changes this norm.
Section 1: The Problem with Traditional PMS Fee Structures
Key points to cover
- Most PMS providers charge fixed annual fees (e.g., 1-2% of AUM) whether your investments grow or shrink, unlike the best portfolio management services prioritizing performance-based models.
- In volatile or bear markets, clients pay high fees even when their portfolio is in the red or flat.
- This can erode returns over time and discourage investors.
- There is no absolute alignment between investor success and manager incentives.
Optional visual idea
A comparison chart showing fixed fee vs performance-based fee over 3 years (flat, up, down market).
Section 2: Why Performance-Linked Fees Are the Future
Key points:
- Aligns the interests of the wealth manager and the investor
- Encourages responsible, strategic decision-making
- Promotes long-term thinking instead of high-churn strategies
- Builds transparency and trust
Pull quote
“If you grow, we grow. That’s how investment partnerships should work.”
Section 3: How Dezerv’s Fee Model Works
Highlight Dezerv’s unique structure
- Charges up to 10% of profits only under its flagship ERS (Expert-Recommended Strategy)
- Fees are charged only when clients earn profits
- No repeated charges on the same profit—Dezerv only charges once for a particular gain
- There is no lock-in period & no exit load charged by Dezerv (clarify that AMCs may still apply exit loads)
- Trackable with a wealth app, it is built for professionals who want performance, not promises
Optional sidebar:
No fixed fees Charged once per profit Transparent reporting
Section 4: The Long-Term Impact on Your Wealth
- How minimizing unnecessary fees improves compounding
- Simple math: Saving even 1-1.5% annually in fees can lead to significant gains over 10+ years
- Smart investing is not just about where you invest but how you’re charged for it
Section 5: Questions to Ask Before You Pay Any Portfolio Fees
- Is the fee performance linked or fixed?
- What happens in a loss-making year?
- Will I be charged again for the same profits?
- Are there exit loads or lock-ins?
- Is my financial advisor invested in my success?
Concluding Observations
- Reiterate the core message:
You shouldn’t have to pay high fees when your money isn’t working for you. - Encourage readers to look for modern, investor-first platforms like Dezerv, which reward performance, not just promises.
- Invite them to explore Dezerv’s ERS strategy and speak to their RM for a personalized walkthrough.
