By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction SIP vs SWP vs STP is one of the most important concepts in mutual fund investing, yet many investors do not fully understand how these strategies work together. Mutual fund investing is not just about selecting the right fund. It is equally important to understand: This […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Low risk mutual fund strategy in India is ideal for investors who want stable returns without worrying about market volatility—but most people don’t structure it correctly. Many investors either take too much risk or stay too conservative and lose to inflation. A well-planned low risk mutual fund […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction What is SWP in mutual funds is a critical question for investors who have already built wealth and are now looking to generate a steady income. Most investors focus only on building wealth. But very few think about the next phase — how to use that […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction How to build ₹1 crore with mutual funds is one of the most common financial goals among Indian investors. It is not just about money. It represents: However, many investors believe that reaching ₹1 crore requires: This belief is incorrect. In reality, wealth creation is driven […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Common mutual fund mistakes can significantly impact your long-term wealth creation and investment success. Common mistakes in mutual fund investing often happen due to emotional decisions, lack of clarity, and absence of a structured approach. In reality, wealth is rarely destroyed because of bad products. It […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction: How to read mutual fund factsheet is one of the most important skills every mutual fund investor must learn. Most investors invest without ever reading a factsheet. Instead, they rely on past returns, recommendations, or app rankings. This approach may work temporarily, but it often leads […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction How to choose the right mutual fund for lump sum investment is one of the most critical decisions investors face when they have a large amount of money ready to invest.Lump sum mutual fund investment is one of the most important decisions investors face when they […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Lump sum investment mutual funds is a strategy where you invest a large amount at once instead of spreading it over time, and it requires careful planning, timing awareness, and proper asset allocation. When And then comes the big question: Should I invest this entire amount […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction ELSS mutual funds tax benefit is one of the most important aspects investors consider while planning tax-saving investments in India, especially under the old tax regime. When it comes to saving tax, most investors look for simple and familiar options: However, there is one option that […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Retirement planning using mutual funds in India is one of the most important financial decisions you will ever make. Retirement is not just about stopping work. It is about maintaining your lifestyle without a regular income. Yet, many investors delay retirement planning because they feel uncertain […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Asset allocation by age in India helps you balance risk and returns as your financial responsibilities change. In your 20s, you can take higher equity exposure, while in your 40s and 50s, stability becomes more important When it comes to investing, most people focus on choosing the […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Where to invest ₹1 lakh in mutual funds in India is one of the most common questions among new and experienced investors. Investing ₹1 lakh is not just about selecting a fund. It is about building a structured strategy that aligns with your financial goals, risk […]