INCOME TAX28 Sept 2026
Your risk profile is not what you tick. It is what you did when markets fell | Mint
A risk questionnaire only records what you think you would do in a market fall. Your actual transactions show what you really did. Mint reports that investors like Alok sold at the bottom in March 2020, while Sunita paused her SIP (monthly investment) for years. So build a plan using your real past behaviour, not your calm-day beliefs.
Key Statutory Highlights
- A risk questionnaire captures what investors think they will do in a crisis, while their transactions reveal what they actually do.
- Alok, 38, from Vadodara, stopped his SIPs and redeemed ₹9 lakh almost exactly at the market bottom in March 2020.
- Sunita, 45, from Kochi, paused her SIPs during a fall and things became clear only three years later, after the recovery was over.
Actionable Advice for Taxpayers / Founders:Look at what you actually did the last time markets scared you, then build a portfolio you can stick with — for example, a safety bucket of several years of expenses, or SIPs that continue unless you actively cancel them. Consider discussing this with a qualified financial adviser before changing your plan.
Statutory Disclaimer: TaxQue Shorts are AI-assisted editorial briefs for compliance awareness. This brief has not passed every source check; confirm the original notification before acting. This does not constitute formal legal or CA counsel.
TaxQue News Desk
Share: