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: […]

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 […]