By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Why do some mutual funds give lower returns even when the market performs well? One hidden reason is the portfolio turnover ratio — a factor most investors ignore, but that directly impacts your actual returns. Most mutual fund investors in India focus only on visible factors […]

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 two key metrics—alpha and beta in mutual funds—that most investors ignore or misunderstand. Understanding alpha and beta in mutual funds helps investors evaluate both performance and risk more effectively. Two […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction How to build conviction in mutual fund investing is one of the most important skills every investor must develop — yet very few actually do. Most investors begin their journey with enthusiasm. They research funds, start SIPs, and feel confident when markets are rising. But the […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction When not to invest in equity mutual funds is one of the most important yet ignored questions in investing. Most investors are constantly told: While these statements are broadly true, they are incomplete. The real problem is that equity mutual funds are not suitable for every […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Growth trap in mutual funds is one of the most dangerous and misunderstood concepts in investing today. Many investors are naturally attracted to high-growth mutual funds because they see impressive past returns. A fund delivering 25–30% returns looks like the perfect wealth creation vehicle. But what […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction How cash levels in mutual funds impact your returns is a concept most investors overlook. When you invest in a mutual fund, you assume your entire money is working in the market. However, fund managers often keep a portion of the portfolio in cash or liquid […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction How to identify hidden risk in mutual funds is one of the most important but overlooked aspects of investing. Most investors focus on: But the reality is — the biggest risks are often hidden inside the portfolio. A mutual fund may look stable and high-performing on […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Sectoral vs diversified mutual funds is one of the most important decisions investors face when building a portfolio. Many investors are attracted to sectoral funds because they can generate high returns in a short period. When a particular sector like IT, banking, or pharma performs well, […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Fund manager analysis in mutual funds is important—but most investors misunderstand its real impact on returns. Many people either blindly follow star fund managers or ignore them completely, which leads to poor investment decisions. Understanding how fund managers actually influence performance can help you make smarter […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction How to evaluate consistency in mutual funds is one of the most important skills investors must develop, yet most people ignore it. Most investors focus only on returns. They look at the top-performing funds over the last 1–3 years and assume those funds will continue to […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction How market cycles impact mutual fund selection is one of the most critical yet overlooked aspects of investing. Most investors focus only on past returns, fund rankings, or recommendations. But markets do not move in a straight line — they go through cycles. A fund that […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Growth vs value mutual funds India is one of the most common questions investors face today. Many investors struggle to decide which strategy is better for long-term wealth creation. This confusion is common because both strategies have the potential to generate strong long-term returns, but they […]