By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction How to identify a bad mutual fund is one of the most important skills every investor must learn to protect long-term returns. But very few ask a more important question: How do I identify a bad mutual fund? This is critical because: In reality, successful investing…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction What happens if a mutual fund company shuts down? This is one of the most common fears among mutual fund investors, especially beginners. Many people worry: This concern is completely understandable. However, this fear is largely based on misunderstanding how mutual funds actually work. The reality…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction SIP not giving returns is one of the most common concerns among mutual fund investors. You start a SIP expecting steady growth. But after months—or even a few years—you check your portfolio and see: This creates frustration and doubt. Many investors react emotionally: But here is…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction How to invest during market crash is one of the most important questions every mutual fund investor faces during volatile market conditions. When markets fall sharply, investors often feel uncertain and confused. They start asking: But reacting emotionally during a market crash can lead to poor…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Mutual fund losses can feel stressful, especially when you see your portfolio showing negative returns. You open your dashboard expecting growth, but instead you see losses. Naturally, questions start coming up: This is exactly where most investors make their biggest mistake. They react emotionally instead of…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Common mutual fund mistakes can significantly impact your long-term wealth creation and investment success. Common mistakes in mutual fund investing often happen due to emotional decisions, lack of clarity, and absence of a structured approach. In reality, wealth is rarely destroyed because of bad products. It…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Inflation vs mutual fund returns is one of the most critical concepts investors must understand because your real wealth depends not just on returns, but on returns after inflation. Most investors evaluate their investments using a simple question: “What returns did I earn?” But the more…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Most investors believe that starting a SIP is enough to build wealth. They assume that once they begin investing regularly, their financial future is secured. However, the reality is very different. A large number of SIP investors fail to achieve meaningful wealth creation, even after investing…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction When to exit mutual fund is one of the most important yet overlooked questions in investing. Most investors spend a lot of time deciding when to invest, which funds to choose, and how much to invest, but very few have a clear strategy for exiting. Understanding…