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 […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction How to track mutual fund performance is one of the most important skills every investor must learn after starting their investment journey. Most investors focus heavily on selecting mutual funds, but very few understand how to track them properly. After investing, they usually fall into one […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Mutual fund risk profile is the most important factor in selecting the right mutual funds for long-term investing in India. Most investors make one critical mistake — they select mutual funds based on returns instead of suitability. They ask: But the correct question is: Which mutual […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction What happens if you stop SIP is one of the most important questions every mutual fund investor should understand. Starting a SIP is simple. Continuing it consistently is what creates wealth. At some point, almost every investor faces this situation: And then comes the question: Should […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Goal-based investing in mutual funds is the most effective way to build long-term wealth because it aligns your investments with specific financial objectives instead of random decisions. Most people start investing in mutual funds with a simple intention — they want their money to grow. However, […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Mutual fund returns in India — कितना return मिलता है?This is one of the most common and practical questions every investor asks before starting their investment journey. It’s a valid question. People want clarity before investing their hard-earned money. But here’s the truth: There is no […]