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 […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Step-Up SIP strategy is one of the most powerful ways to increase your investments and build long-term wealth through mutual funds. Most investors begin with a fixed SIP amount: They continue this amount for years with discipline. While this consistency is good, there is a critical […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction SIP vs RD is one of the most common questions among investors starting their financial journey. Both options look similar on the surface: But the similarity ends there. The way they generate returns, handle risk, and build wealth is fundamentally different. Most beginners choose between SIP […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Best SIP date in mutual funds is a common concern among investors, but in reality, SIP timing has very little impact on long-term returns compared to consistency and investment duration. One of the most frequently asked questions by SIP investors is: Which is the best date […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Can SIP make you a crorepati is one of the most common questions in mutual fund investing, and the answer is yes — but only with discipline, time, and the right strategy. One of the most popular claims in investing is: “Start a SIP and become a […]

By Ashok Prasad, Founder, Niyyam Published: March 2026 Best way to invest bonus and salary hike in mutual funds is to follow a structured approach that combines proper allocation, disciplined investing, and a mix of lump sum and SIP strategies aligned with your financial goals. Receiving a bonus or a salary hike is always exciting. […]