By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction ₹5000 vs ₹10000 SIP — which is better for wealth creation? This is one of the most common questions investors ask when starting their mutual fund journey. Many people believe: But the reality is different. Wealth creation depends more on time, consistency, and compounding than just […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction SIP for 5 vs 10 vs 20 years — how much difference does time really make? This is one of the most important questions in mutual fund investing. Most investors focus on: But they ignore the most powerful factor: How long you stay invested. A simple […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction How to double money with mutual funds is one of the most common questions investors ask when starting their investment journey. Many people believe: But the reality is very different. Doubling your money requires: You may have seen claims like: But here is the reality: There […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Best mutual funds for short term goals (1–3 years) is one of the most important topics for investors planning near-term financial goals. Many investors make the mistake of: But short-term investing works very differently. When your goal is just 1 to 3 years away, your focus […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Mutual funds vs fixed deposits is one of the most important financial decisions for Indian investors. For decades, Fixed Deposits (FDs) have been the default investment choice because they offer: At the same time, mutual funds have become increasingly popular due to: This creates confusion for […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Can mutual funds really give 12% returns every year—or is that just a myth? Understanding realistic return expectations is the key to making better investment decisions. Many investors begin with unrealistic expectations, such as: What returns can you expect from mutual funds depends on market conditions, […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction SIP not giving returns is one of the most common concerns among mutual fund investors. You start a SIP expecting steady growth. But after months—or even a few years—you check your portfolio and see: This creates frustration and doubt. Many investors react emotionally: But here is […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction How to generate monthly income from mutual funds is one of the most important questions for investors seeking financial independence. For many individuals, investing is not just about wealth creation. It is about creating a stable, predictable income stream that can replace active earnings. This becomes […]

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By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction How to invest during market crash is one of the most important questions every mutual fund investor faces during volatile market conditions. When markets fall sharply, investors often feel uncertain and confused. They start asking: But reacting emotionally during a market crash can lead to poor […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Mutual fund losses can feel stressful, especially when you see your portfolio showing negative returns. You open your dashboard expecting growth, but instead you see losses. Naturally, questions start coming up: This is exactly where most investors make their biggest mistake. They react emotionally instead of […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction What is rupee cost averaging in SIP is one of the most important concepts every mutual fund investor must understand. One of the biggest fears investors have is: “What if I invest at the wrong time?” This fear leads to: This is exactly where rupee cost […]