By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction What happens if mutual fund app shuts down is a common concern among investors who worry about the safety of their investments when a platform stops working. With the rapid growth of fintech platforms and investment apps, many investors worry about scenarios like: These concerns are […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Same mutual fund multiple platforms is a common situation where investors use different apps or brokers to invest in the same scheme, often without realizing its impact on tracking, taxation, and portfolio clarity. What happens when you invest in the same mutual fund through multiple platforms […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Can you hold the same mutual fund in multiple folios? This is a very common situation for investors in India, especially those investing through multiple platforms like apps, brokers, or direct AMC websites. Multiple folios in mutual funds is a common situation for investors using different […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Cut-off time in mutual funds is one of the most important yet misunderstood concepts among investors in India. Many investors assume that whenever they invest or redeem, they will automatically get the same day’s NAV (Net Asset Value). However, this is not always true. Cut-off time […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Settlement time in mutual funds is one of the most important yet overlooked aspects of investing in India. Many investors assume that once they redeem their mutual fund units, the money will be credited instantly. However, this is not the case. Settlement time in mutual funds […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Switching vs. redeeming mutual funds is one of the most important decisions every investor must understand. Many investors make mistakes in switch vs redeem mutual funds because they do not fully understand the tax impact, timing, and strategy involved. Many investors believe that switching is just […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Growth vs IDCW mutual funds — which one actually gives you more money in the long run? Growth vs IDCW mutual funds is one of the most important decisions that directly impacts your long-term returns and tax efficiency. Many investors assume IDCW gives “extra income” or […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Most investors spend a lot of time selecting mutual funds, tracking returns, and trying to optimize performance. However, one critical factor that directly affects your wealth is often ignored — taxation. When it comes to building long-term wealth, learning how to reduce taxes on mutual fund […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Mutual fund investment mistakes are not limited to beginners. Even experienced investors make critical errors that reduce long-term returns and increase risk. Most people assume that experience automatically leads to better investing decisions. But the reality is very different. Experienced investors often make more dangerous mistakes […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Building multiple income streams using mutual funds is one of the most practical and scalable strategies for achieving long-term financial stability. Relying on a single source of income is risky. Whether you are salaried, a business owner, or a freelancer, your income can stop due to […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Invest at market peak is one of the biggest fears every investor faces when starting mutual fund investing. Many investors worry: “What if I invest at the wrong time?”“What if I invest at the market peak?” This fear often leads to hesitation, delayed investing, or emotional […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Financial freedom is one of the most desired financial goals. Almost everyone wants a life where they are not dependent on a monthly salary and their expenses are covered by their investments. However, very few people actually achieve financial freedom. The reason is simple. Most people: […]