INCOME TAX2 Sept 2026
Why Your Investment Mix Must Change as Goals Near
As your goal gets closer—three to five years away—high-risk equity can hurt you after market falls. Build a goal-based strategy: buying a house in five years differs from a three-year target. Stopping a SIP is the costliest retail habit. June equity inflows hit ₹28,973 crore, up 26.5%. Add lump sums on every 5% Nifty drop, deploying 20% of your liquid fund.
Key Statutory Highlights
- If your goal is 3-5 years away, avoid going all-in on equity; protect savings as the goal nears.
- Stopping SIPs is the costliest habit; June equity inflows rose 26.5% from May to ₹28,973 crore.
- On every 5% Nifty drop, add 20% of your liquid fund as a lump sum; staying fully invested leaves nothing to deploy.
Actionable Advice for Taxpayers / Founders:Review your portfolio and shift some equity to safer liquid assets as your goal approaches, but do not stop your SIPs.
Statutory Disclaimer: TaxQue Shorts are AI-assisted editorial briefs for compliance awareness. This brief passed the displayed source checks. This does not constitute formal legal or CA counsel.
TaxQue News Desk
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