By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Portfolio overlap mutual funds is one of the most ignored problems in mutual fund investing in India, where multiple funds hold the same stocks and reduce true diversification. So they invest in: On the surface, this looks like a well-diversified portfolio. But here’s the hidden reality:…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Mutual fund portfolio review is an essential process for every investor to evaluate performance, manage risk, and decide when to hold, switch, or exit investments. But after some time, a common confusion begins: Many investors either ignore their portfolio completely or check it too frequently and…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Best way to invest bonus and salary hike in mutual funds is to follow a structured approach that combines proper allocation, disciplined investing, and a mix of lump sum and SIP strategies aligned with your financial goals. Receiving a bonus or a salary hike is always exciting.…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction ₹5000 vs ₹10000 SIP — which is better for wealth creation? This is one of the most common questions investors ask when starting their mutual fund journey. Many people believe: But the reality is different. Wealth creation depends more on time, consistency, and compounding than just…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction SIP for 5 vs 10 vs 20 years — how much difference does time really make? This is one of the most important questions in mutual fund investing. Most investors focus on: But they ignore the most powerful factor: How long you stay invested. A simple…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction How to double money with mutual funds is one of the most common questions investors ask when starting their investment journey. Many people believe: But the reality is very different. Doubling your money requires: You may have seen claims like: But here is the reality: There…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Best mutual funds for short term goals (1–3 years) is one of the most important topics for investors planning near-term financial goals. Many investors make the mistake of: But short-term investing works very differently. When your goal is just 1 to 3 years away, your focus…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction How to generate monthly income from mutual funds is one of the most important questions for investors seeking financial independence. For many individuals, investing is not just about wealth creation. It is about creating a stable, predictable income stream that can replace active earnings. This becomes…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Low risk mutual fund strategy in India is ideal for investors who want stable returns without worrying about market volatility—but most people don’t structure it correctly. Many investors either take too much risk or stay too conservative and lose to inflation. A well-planned low risk mutual fund…