By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Most investors spend a lot of time selecting mutual funds, tracking returns, and trying to optimize performance. However, one critical factor that directly affects your wealth is often ignored — taxation. When it comes to building long-term wealth, learning how to reduce taxes on mutual fund…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction: The Real Problem with Lump Sum Investing STP in mutual funds (Systematic Transfer Plan) is one of the safest ways to invest a lump sum without worrying about market timing. Most investors don’t lose money because of bad funds—they lose money because they invest at the…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction: Your First Line of Financial Defense Emergency fund mutual funds India is one of the most important concepts in personal finance that every investor should understand. Life is unpredictable. You may face: Without an emergency fund, you may be forced to: This leads to long-term financial…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction: Why Limiting Yourself to India May Not Be Enough International mutual funds India is a topic that every serious investor should understand today. Most Indian investors build their portfolios entirely around domestic mutual funds. While India is one of the fastest-growing economies, it still represents only…

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: How to read mutual fund factsheet is one of the most important skills every mutual fund investor must learn. Most investors invest without ever reading a factsheet. Instead, they rely on past returns, recommendations, or app rankings. This approach may work temporarily, but it often leads…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Active vs passive investing is one of the most important decisions mutual fund investors must make when building a long-term portfolio in India. When you start investing in mutual funds, one question comes up almost immediately: Should you invest in actively managed funds or passive funds? With…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction When you invest in a mutual fund, one question naturally comes to mind: What happens inside a mutual fund? Where does your money actually go? This is one of the most important questions every investor should understand before investing. Most investors know that mutual funds invest…

By Ashok Prasad, Founder, NiyyamPublished: March 2026 Introduction One of the most misunderstood concepts in mutual fund investing is NAV (Net Asset Value). Many investors believe that a fund with a lower NAV is cheaper and therefore a better investment. Others assume that a high NAV means the fund is already “expensive” and may not…