By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Inflation vs mutual fund returns is one of the most critical concepts investors must understand because your real wealth depends not just on returns, but on returns after inflation. Most investors evaluate their investments using a simple question: “What returns did I earn?” But the more […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Active vs passive investing is one of the most important decisions mutual fund investors must make when building a long-term portfolio in India. When you start investing in mutual funds, one question comes up almost immediately: Should you invest in actively managed funds or passive funds? With […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction When you invest in a mutual fund, one question naturally comes to mind: What happens inside a mutual fund? Where does your money actually go? This is one of the most important questions every investor should understand before investing. Most investors know that mutual funds invest […]

By Ashok Prasad, Founder, NiyyamPublished: March 2026 Introduction One of the most misunderstood concepts in mutual fund investing is NAV (Net Asset Value). Many investors believe that a fund with a lower NAV is cheaper and therefore a better investment. Others assume that a high NAV means the fund is already “expensive” and may not […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Most investors believe that starting a SIP is enough to build wealth. They assume that once they begin investing regularly, their financial future is secured. However, the reality is very different. A large number of SIP investors fail to achieve meaningful wealth creation, even after investing […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction SIP in bull market vs bear market is one of the most misunderstood concepts in mutual fund investing. Many investors believe that wealth is created only when markets are rising. However, experienced investors understand that long-term wealth creation works very differently. Should you continue your SIP […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction When to exit mutual fund is one of the most important yet overlooked questions in investing. Most investors spend a lot of time deciding when to invest, which funds to choose, and how much to invest, but very few have a clear strategy for exiting. Understanding […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Mutual fund asset allocation strategy is one of the most important yet most overlooked aspects of investing. Most investors spend a lot of time selecting the “best” mutual funds. They compare returns, ratings, and past performance. But what many fail to realize is this: Even the […]

By Ashok Prasad, Founder, Niyyam Published: March 20026 Introduction Risk in mutual funds is one of the most common concerns for investors in India. Many investors hesitate to invest because they believe risk means loss. However, this is a misunderstanding. Risk in mutual fund investing cannot be eliminated. But it can be: Successful investing is […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Rolling returns in mutual funds are one of the most important yet misunderstood concepts in investment analysis. Most investors evaluate mutual fund performance using simple metrics like CAGR (Compound Annual Growth Rate). While CAGR provides a basic understanding, it often fails to capture how a fund […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Are you unknowingly taking more risk in your mutual fund portfolio than you should? Most investors focus heavily on: But very few focus on maintaining their portfolio over time. Portfolio rebalancing mutual funds is essential to maintain the right asset allocation and avoid unintended risk exposure. […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction How to invest 10000 per month in mutual funds is one of the most common and practical questions for beginners starting their investment journey in India. A monthly SIP of ₹10,000 may look small, but with the right strategy, discipline, and long-term approach, it can grow […]