By Ashok Prasad, Founder, Niyyam Published: June 2026 Introduction An Emergency Fund is one of the most important yet overlooked parts of financial planning. Many investors are eager to start SIPs and mutual fund investments but often ignore the need to build emergency savings first. 𝗧𝗵𝗲𝘆 𝘀𝘁𝗮𝗿𝘁 𝗶𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗯𝗲𝗳𝗼𝗿𝗲 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝗮𝗻 𝗲𝗺𝗲𝗿𝗴𝗲𝗻𝗰𝘆 𝗳𝘂𝗻𝗱. Life is…

By Ashok Prasad, Founder, Niyyam Published: May 2026 Introduction Bangalore Techies Retire Before 45 is becoming an increasingly popular financial goal among software engineers, startup employees, and high-income professionals looking for financial freedom and long-term wealth creation. For years, Bangalore’s technology ecosystem has attracted ambitious professionals from across India. The city offers: But at the…

By Ashok Prasad, Founder, Niyyam Published April 2026 Introduction If you’re wondering how to invest monthly salary in India, the 50-30-20 rule combined with SIP investing offers a simple and effective strategy. It helps you balance expenses, savings, and long-term wealth creation Many people earn regularly but still struggle to build wealth. The reason is…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction SIP investment in India is one of the most powerful and practical ways to build long-term wealth. Whether you are a beginner starting with ₹1,000 or an experienced investor investing ₹50,000 monthly, SIP (Systematic Investment Plan) helps you invest consistently and benefit from compounding. However, most…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction SIP vs RD is one of the most common questions Indian investors ask when choosing between growth and safety. While both Systematic Investment Plans (SIP) and Recurring Deposits (RD) help in disciplined investing, they differ significantly in terms of returns, risk, taxation, and long-term wealth creation.…

By Ashok Prasad, Founder, Niyyam Published: April 2026 Introduction Increase SIP amount is one of the most powerful strategies to accelerate wealth creation in 2026.Many investors fail to increase their SIP amount over time, which limits their long-term financial growth. If you want to accelerate your portfolio growth, understanding when and how to step up…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Step-Up SIP strategy is one of the most powerful ways to increase your investments and build long-term wealth through mutual funds. Most investors begin with a fixed SIP amount: They continue this amount for years with discipline. While this consistency is good, there is a critical…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction SIP vs RD is one of the most common questions among investors starting their financial journey. Both options look similar on the surface: But the similarity ends there. The way they generate returns, handle risk, and build wealth is fundamentally different. Most beginners choose between SIP…

By Ashok Prasad, Founder, Niyyam Published: March 2026 Introduction Best SIP date in mutual funds is a common concern among investors, but in reality, SIP timing has very little impact on long-term returns compared to consistency and investment duration. One of the most frequently asked questions by SIP investors is: Which is the best date…