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 […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Are mutual funds safe in India? This is one of the most important questions every new investor asks before starting their investment journey. You are investing your hard-earned money, so it is completely natural to think about safety first. Some people avoid mutual funds completely because they […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Compare mutual funds effectively by understanding the key metrics that truly impact your returns, risk, and long-term investment success. Many investors choose mutual funds based on recent performance or popularity, but this approach often leads to poor decisions. Choosing a mutual fund is easy. Choosing the […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction What is XIRR in mutual funds is one of the most important questions every SIP investor must understand. When you invest in mutual funds—especially through SIPs—your money is invested at different times. Some installments stay invested for years. Others stay invested for only a few months. […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction When you start investing through a Systematic Investment Plan (SIP), one question naturally comes to mind: How much money will my investment grow into? This is not just a curiosity-driven question. It directly impacts: This is where a SIP return calculator becomes one of the most […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction How to choose the best mutual fund for SIP in India is one of the most important questions every investor faces when starting their investment journey. Most beginners make the mistake of selecting funds based on recent high returns — and that is where things go […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Best SIP duration is one of the most important yet ignored factors in mutual fund investing. Most investors focus on: But they ignore the most powerful question: For how long should you stay invested? And this is where real wealth creation happens. Because in mutual fund […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Expense ratio in mutual funds is one of the most important yet ignored factors that directly impacts your long-term returns. When most investors select a mutual fund, they focus heavily on returns. “Which fund gave 15%?”“Which one performed best last year?” But there is a silent […]