By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction What mutual funds should you avoid in 2026? This is one of the most important questions investors should ask before selecting any fund. But the smarter question is: Which mutual funds should you avoid? Because in investing, your returns are not just decided by what you…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction: Investing is a Journey, Not a One-Time Decision If you want to become a beginner to advanced mutual fund investor, you need a clear roadmap, disciplined investing approach, and structured portfolio strategy. Confused. Uncertain. Hesitant. You hear terms like SIP, NAV, asset allocation, large cap, small…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction: What to Do If a Mutual Fund Underperforms? What to do if mutual fund underperforms is a question every investor faces at some point in their journey. You begin investing with confidence. You select funds carefully, start SIPs, and commit for the long term. But after…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction: Restart SIP After Stopping. What Should You Do Next? Restart SIP after stopping is a situation many investors face at some point in their financial journey. Many investors begin their SIP journey with discipline and long-term intent. However, real-life situations such as job loss, income uncertainty,…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction: Should You Continue SIP During Job Loss? Should you continue SIP during job loss is one of the most important financial decisions an investor will face. When income becomes uncertain, your financial priorities change completely. Instead of focusing only on wealth creation, your primary goal shifts…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction How many SIPs should you have is one of the most important questions in mutual fund investing because too many SIPs can reduce returns, while too few can increase risk. Starting a SIP is simple. But managing multiple SIPs is where most investors get confused. Most…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Many investors believe that holding more mutual funds automatically means better diversification and safety. So what happens? They keep adding: Over time, their portfolio grows to 8–12 mutual funds. At first, this feels like a smart move. But later, confusion begins: This leads to one important…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction What happens if you miss a SIP installment is a question that almost every mutual fund investor faces at some point in their investment journey. You start your SIP with discipline. Every month, your investment is automatically deducted, and over time, your portfolio grows steadily through…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Should you invest in NFO (New Fund Offer) is a common question many investors face when they see advertisements like: These promotions are designed to create urgency and excitement. Many investors assume that investing early in an NFO gives them a pricing advantage and better returns.…