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 […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Many investors believe that holding more mutual funds automatically means better diversification and safety. So what happens? They keep adding: Over time, their portfolio grows to 8–12 mutual funds. At first, this feels like a smart move. But later, confusion begins: This leads to one important […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction What happens if you miss a SIP installment is a question that almost every mutual fund investor faces at some point in their investment journey. You start your SIP with discipline. Every month, your investment is automatically deducted, and over time, your portfolio grows steadily through […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction What is exit load in mutual funds is a question many investors only notice when they redeem their investment and receive less money than expected. You invest with a long-term goal.You choose a fund carefully, start your SIP, and stay disciplined. Everything looks fine — until […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Mutual fund portfolio review is an essential process for every investor to evaluate performance, manage risk, and decide when to hold, switch, or exit investments. But after some time, a common confusion begins: Many investors either ignore their portfolio completely or check it too frequently and […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Should you invest in NFO (New Fund Offer) is a common question many investors face when they see advertisements like: These promotions are designed to create urgency and excitement. Many investors assume that investing early in an NFO gives them a pricing advantage and better returns. […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction How to identify a bad mutual fund is one of the most important skills every investor must learn to protect long-term returns. But very few ask a more important question: How do I identify a bad mutual fund? This is critical because: In reality, successful investing […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction What happens if a mutual fund company shuts down? This is one of the most common fears among mutual fund investors, especially beginners. Many people worry: This concern is completely understandable. However, this fear is largely based on misunderstanding how mutual funds actually work. The reality […]