By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Sectoral vs diversified mutual funds is one of the most important decisions investors face when building a portfolio. Many investors are attracted to sectoral funds because they can generate high returns in a short period. When a particular sector like IT, banking, or pharma performs well,…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Fund manager analysis in mutual funds is important—but most investors misunderstand its real impact on returns. Many people either blindly follow star fund managers or ignore them completely, which leads to poor investment decisions. Understanding how fund managers actually influence performance can help you make smarter…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction How to evaluate consistency in mutual funds is one of the most important skills investors must develop, yet most people ignore it. Most investors focus only on returns. They look at the top-performing funds over the last 1–3 years and assume those funds will continue to…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Growth vs value mutual funds India is one of the most common questions investors face today. Many investors struggle to decide which strategy is better for long-term wealth creation. This confusion is common because both strategies have the potential to generate strong long-term returns, but they…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction How to select mutual funds without looking at past returns is one of the most important skills investors must develop in 2026.Many investors chase top-performing funds based on past returns, only to experience disappointing results later. If you want to build a strong and future-ready portfolio,…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Cut-off time in mutual funds is one of the most important yet misunderstood concepts among investors in India. Many investors assume that whenever they invest or redeem, they will automatically get the same day’s NAV (Net Asset Value). However, this is not always true. Cut-off time…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Settlement time in mutual funds is one of the most important yet overlooked aspects of investing in India. Many investors assume that once they redeem their mutual fund units, the money will be credited instantly. However, this is not the case. Settlement time in mutual funds…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Switching vs. redeeming mutual funds is one of the most important decisions every investor must understand. Many investors make mistakes in switch vs redeem mutual funds because they do not fully understand the tax impact, timing, and strategy involved. Many investors believe that switching is just…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Growth vs IDCW mutual funds — which one actually gives you more money in the long run? Growth vs IDCW mutual funds is one of the most important decisions that directly impacts your long-term returns and tax efficiency. Many investors assume IDCW gives “extra income” or…