By Ashok Prasad, Founder, Niyyam Published: May 2026 A 30 LPA salary in Bangalore may look impressive on paper, but in 2026, many professionals still feel financially stressed due to rising living costs and lifestyle inflation. A few years ago, earning ₹30 LPA in India was considered a dream achievement. It symbolized success, financial freedom,…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Mutual fund mistakes are one of the biggest reasons why investors fail to achieve expected returns despite investing regularly. Many investors believe that selecting the right fund is the key to success. But in reality, poor decisions, emotional reactions, and a lack of discipline lead to…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction How market cycles impact mutual fund selection is one of the most critical yet overlooked aspects of investing. Most investors focus only on past returns, fund rankings, or recommendations. But markets do not move in a straight line — they go through cycles. A fund that…

By Ashok Prasad, Founder, Niyyam Introduction What separates successful mutual fund investors from average investors is one of the most important questions in 2026.Many investors start their journey with similar opportunities, but over time, their outcomes differ drastically due to behavior, discipline, and strategy. If you want to build long-term wealth, understanding these differences is…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction How to align mutual fund investments with income stability is a critical decision for investors in 2026.Different income types—salaried, business owners, and freelancers—require different investment strategies, yet many people follow a one-size-fits-all approach. If your investment strategy does not match your income stability, it can lead…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction How to decide the ideal holding period for mutual funds is a crucial question for investors in 2026.Many investors either exit too early due to fear or stay invested too long in underperforming funds, which impacts long-term wealth creation. Understanding when to stay invested and when…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction What is the right order of investing: emergency fund → insurance → mutual funds is one of the most important questions every investor must answer in 2026.Many people start investing without building a strong financial foundation, which leads to financial stress, premature withdrawals, and poor long-term…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction What to do with idle money in savings account is a common question many investors face in 2026. Leaving money unused in a savings account may feel safe, but it slowly loses value due to inflation and missed investment opportunities. If you want to make your…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction What happens if you invest in mutual funds and forget it for 10 years is a common question among investors who rely on long-term investing and compounding to build wealth. Many people start investing with discipline, but gradually stop tracking their investments due to: Some investors…