By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction A mutual fund portfolio allocation strategy is the foundation of successful investing and long-term wealth creation. Most investors begin by asking: But experienced investors focus on a much more important question: How should I allocate my portfolio? Because over time, one truth becomes clear: Wealth is…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction How to choose the best mutual fund in India is not just a beginner question—it is one of the most important financial decisions you will make in your entire investment journey. Many investors spend years investing without ever truly understanding how to select the right mutual…

By Ashok Prasad, Founder, Niyyam Introduction How to decide which mutual fund category to invest in is one of the most important decisions for investors in 2026.Choosing the wrong category can lead to unnecessary risk, poor returns, and a portfolio that does not align with your financial goals. If you want to build a structured…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Equity vs debt allocation strategy 2026 is one of the most important decisions for mutual fund investors. How to split investments between equity and debt funds based on market conditions is one of the most important decisions for mutual fund investors in 2026.Many investors either over-invest…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction How to decide between SIP, STP, and lump sum in different market conditions is one of the most important decisions for mutual fund investors in 2026.Many investors choose good funds but fail to generate strong returns because they use the wrong investment method at the wrong…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Best mutual fund strategy for business owners and freelancers in India requires a flexible and disciplined approach due to irregular and unpredictable income patterns. If you are a business owner or freelancer, your financial life is very different from that of a salaried individual. Your income…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Best mutual fund strategy for salaried individuals in India is built on consistency, disciplined SIP investing, and proper asset allocation rather than trying to time the market. If you are a salaried individual in India, your biggest financial advantage is simple: you earn regularly. To make the…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction If you are wondering how to build 10 lakh mutual fund portfolio effectively, you are not alone. Building a ₹10 lakh portfolio may sound like a big milestone. But in reality, it is one of the most achievable financial goals for Indian investors today. The real…

By Ashok Prasad, Founder, Niyyam Published: March 2026 FD vs liquid fund vs debt fund — which one should you choose for short-term investing? If you’re trying to park money safely for a few months or years, choosing the wrong option can cost you returns, liquidity, or even peace of mind. When it comes to…