By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction How to identify consistent mutual funds is one of the most important skills an investor can develop, yet most people ignore it completely. Many investors in India select mutual funds based on past returns. They look at recent rankings and invest in funds that appear at…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Fund size (AUM) in mutual funds is one of the most overlooked factors by investors, yet it plays a critical role in determining long-term performance. Most investors in India focus only on past returns, ratings, or SIP performance. However, they rarely ask an important question: Does the…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Why do some mutual funds give lower returns even when the market performs well? One hidden reason is the portfolio turnover ratio — a factor most investors ignore, but that directly impacts your actual returns. Most mutual fund investors in India focus only on visible factors…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Why do some mutual funds give higher returns but feel more risky? The answer lies in two key metrics—alpha and beta in mutual funds—that most investors ignore or misunderstand. Understanding alpha and beta in mutual funds helps investors evaluate both performance and risk more effectively. Two…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction How to build conviction in mutual fund investing is one of the most important skills every investor must develop — yet very few actually do. Most investors begin their journey with enthusiasm. They research funds, start SIPs, and feel confident when markets are rising. But the…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction When not to invest in equity mutual funds is one of the most important yet ignored questions in investing. Most investors are constantly told: While these statements are broadly true, they are incomplete. The real problem is that equity mutual funds are not suitable for every…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Growth trap in mutual funds is one of the most dangerous and misunderstood concepts in investing today. Many investors are naturally attracted to high-growth mutual funds because they see impressive past returns. A fund delivering 25–30% returns looks like the perfect wealth creation vehicle. But what…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction How cash levels in mutual funds impact your returns is a concept most investors overlook. When you invest in a mutual fund, you assume your entire money is working in the market. However, fund managers often keep a portion of the portfolio in cash or liquid…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction How to identify hidden risk in mutual funds is one of the most important but overlooked aspects of investing. Most investors focus on: But the reality is — the biggest risks are often hidden inside the portfolio. A mutual fund may look stable and high-performing on…