By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction What is SWP in mutual funds is a critical question for investors who have already built wealth and are now looking to generate a steady income. Most investors focus only on building wealth. But very few think about the next phase — how to use that…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction How to build ₹1 crore with mutual funds is one of the most common financial goals among Indian investors. It is not just about money. It represents: However, many investors believe that reaching ₹1 crore requires: This belief is incorrect. In reality, wealth creation is driven…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction ELSS mutual funds tax benefit is one of the most important aspects investors consider while planning tax-saving investments in India, especially under the old tax regime. When it comes to saving tax, most investors look for simple and familiar options: However, there is one option that…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Retirement planning using mutual funds in India is one of the most important financial decisions you will ever make. Retirement is not just about stopping work. It is about maintaining your lifestyle without a regular income. Yet, many investors delay retirement planning because they feel uncertain…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Asset allocation by age in India helps you balance risk and returns as your financial responsibilities change. In your 20s, you can take higher equity exposure, while in your 40s and 50s, stability becomes more important When it comes to investing, most people focus on choosing the…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Mutual fund asset allocation strategy is one of the most important yet most overlooked aspects of investing. Most investors spend a lot of time selecting the “best” mutual funds. They compare returns, ratings, and past performance. But what many fail to realize is this: Even the…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Are you unknowingly taking more risk in your mutual fund portfolio than you should? Most investors focus heavily on: But very few focus on maintaining their portfolio over time. Portfolio rebalancing mutual funds is essential to maintain the right asset allocation and avoid unintended risk exposure.…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Compare mutual funds effectively by understanding the key metrics that truly impact your returns, risk, and long-term investment success. Many investors choose mutual funds based on recent performance or popularity, but this approach often leads to poor decisions. Choosing a mutual fund is easy. Choosing the…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction How to choose the best mutual fund for SIP in India is one of the most important questions every investor faces when starting their investment journey. Most beginners make the mistake of selecting funds based on recent high returns — and that is where things go…