By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Can you transfer mutual funds from one person to another is a very common question, especially when investors think about gifting, family planning, or passing wealth to the next generation. Many people assume mutual funds can be transferred like bank money or UPI transfers. However, mutual…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction What happens if mutual fund app shuts down is a common concern among investors who worry about the safety of their investments when a platform stops working. With the rapid growth of fintech platforms and investment apps, many investors worry about scenarios like: These concerns are…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Same mutual fund multiple platforms is a common situation where investors use different apps or brokers to invest in the same scheme, often without realizing its impact on tracking, taxation, and portfolio clarity. What happens when you invest in the same mutual fund through multiple platforms…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Can you hold the same mutual fund in multiple folios? This is a very common situation for investors in India, especially those investing through multiple platforms like apps, brokers, or direct AMC websites. Multiple folios in mutual funds is a common situation for investors using different…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Mutual fund investment mistakes are not limited to beginners. Even experienced investors make critical errors that reduce long-term returns and increase risk. Most people assume that experience automatically leads to better investing decisions. But the reality is very different. Experienced investors often make more dangerous mistakes…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Building multiple income streams using mutual funds is one of the most practical and scalable strategies for achieving long-term financial stability. Relying on a single source of income is risky. Whether you are salaried, a business owner, or a freelancer, your income can stop due to…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Invest at market peak is one of the biggest fears every investor faces when starting mutual fund investing. Many investors worry: “What if I invest at the wrong time?”“What if I invest at the market peak?” This fear often leads to hesitation, delayed investing, or emotional…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Financial freedom is one of the most desired financial goals. Almost everyone wants a life where they are not dependent on a monthly salary and their expenses are covered by their investments. However, very few people actually achieve financial freedom. The reason is simple. Most people:…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Mutual fund portfolio review checklist is essential for investors to evaluate performance, manage risk, and make better investment decisions over time. Most investors focus heavily on buying mutual funds.Very few focus on reviewing them. This is where most mistakes happen. Investors often: As a result: A…