By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Mutual fund portfolio review checklist is essential for investors to evaluate performance, manage risk, and make better investment decisions over time. Most investors focus heavily on buying mutual funds.Very few focus on reviewing them. This is where most mistakes happen. Investors often: As a result: A […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Best mutual fund strategy for business owners and freelancers in India requires a flexible and disciplined approach due to irregular and unpredictable income patterns. If you are a business owner or freelancer, your financial life is very different from that of a salaried individual. Your income […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Best mutual fund strategy for salaried individuals in India is built on consistency, disciplined SIP investing, and proper asset allocation rather than trying to time the market. If you are a salaried individual in India, your biggest financial advantage is simple: you earn regularly. To make the […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction If you are wondering how to build 10 lakh mutual fund portfolio effectively, you are not alone. Building a ₹10 lakh portfolio may sound like a big milestone. But in reality, it is one of the most achievable financial goals for Indian investors today. The real […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction What mutual funds should you avoid in 2026? This is one of the most important questions investors should ask before selecting any fund. But the smarter question is: Which mutual funds should you avoid? Because in investing, your returns are not just decided by what you […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction: The Real Problem with Lump Sum Investing STP in mutual funds (Systematic Transfer Plan) is one of the safest ways to invest a lump sum without worrying about market timing. Most investors don’t lose money because of bad funds—they lose money because they invest at the […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction: Investing is a Journey, Not a One-Time Decision If you want to become a beginner to advanced mutual fund investor, you need a clear roadmap, disciplined investing approach, and structured portfolio strategy. Confused. Uncertain. Hesitant. You hear terms like SIP, NAV, asset allocation, large cap, small […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction: Your First Line of Financial Defense Emergency fund mutual funds India is one of the most important concepts in personal finance that every investor should understand. Life is unpredictable. You may face: Without an emergency fund, you may be forced to: This leads to long-term financial […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 FD vs liquid fund vs debt fund — which one should you choose for short-term investing? If you’re trying to park money safely for a few months or years, choosing the wrong option can cost you returns, liquidity, or even peace of mind. When it comes to […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Core and satellite portfolio strategy in mutual funds is one of the most effective approaches for building a balanced investment portfolio. Many investors spend hours selecting the “best mutual funds,” yet fail to generate consistent returns. Why does this happen? Returns are driven more by portfolio […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction: Why Limiting Yourself to India May Not Be Enough International mutual funds India is a topic that every serious investor should understand today. Most Indian investors build their portfolios entirely around domestic mutual funds. While India is one of the fastest-growing economies, it still represents only […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction: What to Do If a Mutual Fund Underperforms? What to do if mutual fund underperforms is a question every investor faces at some point in their journey. You begin investing with confidence. You select funds carefully, start SIPs, and commit for the long term. But after […]