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 […]

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 […]