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 […]

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 […]