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 […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Large cap vs mid cap vs small cap funds allocation is one of the most important decisions every mutual fund investor must understand before starting SIP investing. Most investors begin SIPs but struggle with one critical question — where should the money go? Should you invest […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction: Restart SIP After Stopping. What Should You Do Next? Restart SIP after stopping is a situation many investors face at some point in their financial journey. Many investors begin their SIP journey with discipline and long-term intent. However, real-life situations such as job loss, income uncertainty, […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction: Should You Continue SIP During Job Loss? Should you continue SIP during job loss is one of the most important financial decisions an investor will face. When income becomes uncertain, your financial priorities change completely. Instead of focusing only on wealth creation, your primary goal shifts […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction 3 fund mutual fund portfolio is one of the simplest and most effective ways to build long-term wealth in mutual funds. Most people believe that building wealth requires: But in reality, simplicity often outperforms complexity. Many investors today struggle with: As a result, instead of improving […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction: Multiple SIPs in Same Mutual Fund — Smart or Unnecessary? Many investors end up creating multiple SIPs in the same mutual fund over time. Whenever income increases or savings improve, instead of modifying an existing SIP, they simply start a new one. Sometimes in the same […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction: The Hidden Risk Most Mutual Fund Investors Ignore When investors choose mutual funds, they usually focus on: However, there is one important factor that many investors overlook: Fund house risk in mutual funds You may have selected good funds, but if all your investments are from […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction: The Hidden Cost Most Investors Realize Late Most Indian investors begin their mutual fund journey through: These are known as regular mutual funds. At the beginning, everything seems fine. Investments are running, SIPs are active, and the portfolio looks stable. But over time, investors start noticing: […]