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: […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction: Which Mutual Funds Should You Sell First? Which mutual funds should you sell first is one of the most important yet ignored questions in investing. Most investors focus on buying the right funds, but when it comes to selling, confusion begins. Most investors end up making […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction How to consolidate multiple mutual funds into a clean portfolio is a critical step for investors who have built their investments over time but are now struggling with complexity and inconsistent results. Most investors start simple: However, as time passes, portfolios tend to expand without structure. […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction How to identify over-diversification in mutual funds is one of the most misunderstood aspects of investing, especially for investors who believe they are reducing risk by adding more funds. Diversification is widely promoted as a core principle of investing. Most investors are told: While this advice […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Portfolio overlap mutual funds is one of the most ignored problems in mutual fund investing in India, where multiple funds hold the same stocks and reduce true diversification. So they invest in: On the surface, this looks like a well-diversified portfolio. But here’s the hidden reality: […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction How many SIPs should you have is one of the most important questions in mutual fund investing because too many SIPs can reduce returns, while too few can increase risk. Starting a SIP is simple. But managing multiple SIPs is where most investors get confused. Most […]