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 […]

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 […]