By Ashok Prasad, Founder, Niyyam Introduction What separates successful mutual fund investors from average investors is one of the most important questions in 2026.Many investors start their journey with similar opportunities, but over time, their outcomes differ drastically due to behavior, discipline, and strategy. If you want to build long-term wealth, understanding these differences is […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction How to align mutual fund investments with income stability is a critical decision for investors in 2026.Different income types—salaried, business owners, and freelancers—require different investment strategies, yet many people follow a one-size-fits-all approach. If your investment strategy does not match your income stability, it can lead […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Increase SIP amount is one of the most powerful strategies to accelerate wealth creation in 2026.Many investors fail to increase their SIP amount over time, which limits their long-term financial growth. If you want to accelerate your portfolio growth, understanding when and how to step up […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction How to decide the ideal holding period for mutual funds is a crucial question for investors in 2026.Many investors either exit too early due to fear or stay invested too long in underperforming funds, which impacts long-term wealth creation. Understanding when to stay invested and when […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction What is the right order of investing: emergency fund → insurance → mutual funds is one of the most important questions every investor must answer in 2026.Many people start investing without building a strong financial foundation, which leads to financial stress, premature withdrawals, and poor long-term […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction How to select mutual funds without looking at past returns is one of the most important skills investors must develop in 2026.Many investors chase top-performing funds based on past returns, only to experience disappointing results later. If you want to build a strong and future-ready portfolio, […]

By Ashok Prasad, Founder, Niyyam Introduction How to decide which mutual fund category to invest in is one of the most important decisions for investors in 2026.Choosing the wrong category can lead to unnecessary risk, poor returns, and a portfolio that does not align with your financial goals. If you want to build a structured […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction What to do with idle money in savings account is a common question many investors face in 2026. Leaving money unused in a savings account may feel safe, but it slowly loses value due to inflation and missed investment opportunities. If you want to make your […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Equity vs debt allocation strategy 2026 is one of the most important decisions for mutual fund investors. How to split investments between equity and debt funds based on market conditions is one of the most important decisions for mutual fund investors in 2026.Many investors either over-invest […]

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction How to decide between SIP, STP, and lump sum in different market conditions is one of the most important decisions for mutual fund investors in 2026.Many investors choose good funds but fail to generate strong returns because they use the wrong investment method at the wrong […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction What happens if you invest in mutual funds and forget it for 10 years is a common question among investors who rely on long-term investing and compounding to build wealth. Many people start investing with discipline, but gradually stop tracking their investments due to: Some investors […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Can you transfer mutual funds from one person to another is a very common question, especially when investors think about gifting, family planning, or passing wealth to the next generation. Many people assume mutual funds can be transferred like bank money or UPI transfers. However, mutual […]