By Ashok Prasad, Founder, Niyyam Published April 2026 Introduction If you’re wondering how to invest monthly salary in India, the 50-30-20 rule combined with SIP investing offers a simple and effective strategy. It helps you balance expenses, savings, and long-term wealth creation Many people earn regularly but still struggle to build wealth. The reason is […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Mutual fund mistakes are one of the biggest reasons why investors fail to achieve expected returns despite investing regularly. Many investors believe that selecting the right fund is the key to success. But in reality, poor decisions, emotional reactions, and a lack of discipline lead to […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Mutual fund taxation India is one of the most important yet misunderstood aspects of investing. While many investors focus on returns, very few understand how taxes impact their final wealth. However, one critical aspect that remains widely misunderstood is taxation. Mutual fund taxation India depends on […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction A mutual fund portfolio allocation strategy is the foundation of successful investing and long-term wealth creation. Most investors begin by asking: But experienced investors focus on a much more important question: How should I allocate my portfolio? Because over time, one truth becomes clear: Wealth is […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction How to choose the best mutual fund in India is not just a beginner question—it is one of the most important financial decisions you will make in your entire investment journey. Many investors spend years investing without ever truly understanding how to select the right mutual […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Mutual funds in India have become one of the most powerful and accessible tools for long-term wealth creation, especially for beginners who want to invest without actively managing the stock market. In 2026, with increasing financial awareness, digital platforms, and ease of investing, mutual funds are […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction SIP investment in India is one of the most powerful and practical ways to build long-term wealth. Whether you are a beginner starting with ₹1,000 or an experienced investor investing ₹50,000 monthly, SIP (Systematic Investment Plan) helps you invest consistently and benefit from compounding. However, most […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction SIP vs RD is one of the most common questions Indian investors ask when choosing between growth and safety. While both Systematic Investment Plans (SIP) and Recurring Deposits (RD) help in disciplined investing, they differ significantly in terms of returns, risk, taxation, and long-term wealth creation. […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Why do some mutual funds give higher returns but feel more risky? The answer lies in alpha and beta in mutual funds—two key metrics that most investors ignore. Understanding alpha and beta in mutual funds helps investors evaluate both performance and risk effectively. When most investors […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Mutual fund ratings India are one of the most commonly used tools by investors to select funds, especially beginners who rely heavily on star ratings and rankings. Many investors assume that a 5-star-rated mutual fund is always the best investment option. However, this assumption can be […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Dividend yield mutual funds India are increasingly becoming popular among investors who want a balance between passive income and long-term wealth creation. Many investors look for regular income sources beyond fixed deposits or rental income. Dividend yield mutual funds provide an opportunity to earn income through […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Interest rates impact on debt mutual funds is one of the most critical concepts every investor must understand before investing in fixed-income instruments. Many investors in India assume that debt mutual funds behave like fixed deposits and provide stable, predictable returns. However, debt mutual funds are […]