By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Rolling returns in mutual funds are one of the most important yet misunderstood concepts in investment analysis. Most investors evaluate mutual fund performance using simple metrics like CAGR (Compound Annual Growth Rate). While CAGR provides a basic understanding, it often fails to capture how a fund…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction What is XIRR in mutual funds is one of the most important questions every SIP investor must understand. When you invest in mutual funds—especially through SIPs—your money is invested at different times. Some installments stay invested for years. Others stay invested for only a few months.…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction When you start investing through a Systematic Investment Plan (SIP), one question naturally comes to mind: How much money will my investment grow into? This is not just a curiosity-driven question. It directly impacts: This is where a SIP return calculator becomes one of the most…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Expense ratio in mutual funds is one of the most important yet ignored factors that directly impacts your long-term returns. When most investors select a mutual fund, they focus heavily on returns. “Which fund gave 15%?”“Which one performed best last year?” But there is a silent…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction How to track mutual fund performance is one of the most important skills every investor must learn after starting their investment journey. Most investors focus heavily on selecting mutual funds, but very few understand how to track them properly. After investing, they usually fall into one…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Mutual fund taxation in India is one of the most ignored yet critical aspects of investing. Most investors focus only on returns. But the real question is: How much tax will I pay on my mutual fund returns? Because your actual profit is not your returns…