If you are an investor, you would go through days when you have your fingers crossed before opening your portfolio. Your hands shiver before buying or selling any investments. And any hasty decision could meet with a bitter fate. Blame the markets, blame the volatility, but what’s done is done.  

 However, this is not the problem of bad markets but entrusting investing decisions to your temporary emotions instead of a seasoned market advisor. Wealth creation purely becomes luck when emotions hijack logic and a bad market becomes just an excuse for the emotional investing behaviour.  

 You have often heard MINTIT saying, “Long-term investing builds wealth,” however the long-term journey is not as easy as it sounds. Hence, MINTIT always suggests to follow trusted mutual fund advisors to keep your investments always aligned to your goals instead of short-term distractions.  

 MINTIT identifies 4 main emotional biases among investors which ruin the wealth creation journey that can’t be fixed going backwards.

• Panic 

• FOMO 

• Greed 

• Speculation 

 Panic 

Dot-com bubble or global recession is a distant memory, however the chaos of covid still echoes in our head. Events such as covid or wars make us feel like the world is ending and markets assume the worst case scenario not the most likely one. The Nifty and Sensex recorded one of the sharpest declines in history and fell nearly 40% in the first 3 months of 2020 during the covid-19 crisis.  

 Investors also mirrored the market behaviour and SIP stoppage ratio surged as much as 70%, whereas SIP contribution was only Rs 8,641 crore in March 2020.  

 Fast forward to present times, Nifty breached 26,000 levels from 8,000 levels during covid crisis, over 3x jump, whereas SIP contributions today stood around Rs 30,000 crore per month. The lesson is — the one who remained invested in the bad market made wealth and the one who panic sold converted temporary losses into permanent ones. Bad markets did not wipe out wealth, emotional investing did.  

 FOMO 

This has been a very trending word, FOMO, which means “fear of missing out.” Well! What's better than mentioning gold and silver to understand how FOMO-driven emotional investment can be unhealthy for your goals as well. Gold and Silver, traditionally known as safe-haven investment, unleashed the rally like never before.  

 In January 2026, Silver touched Rs 4.39 lakh per kilogram while gold peaked at Rs 1.93 lakh per 10 grams. People in FOMO rushed to gold and silver ETFs so much so that their combined assets under management (AUM) reached Rs 3 lakh crore on 11 February 2026.  

 Now, fast forward to, well no fast forward here, only a month later and we see gold and silver prices correcting 30% and 50% respectively from the peak during geo-political tension in the Middle-east. Usually, during such crises gold and silver do act as a roof against the market volatility, however due to strong dollar, both the precious metals crashed more than the stock market.  

 Now, all the FOMO-driven investors who invested heavily in gold and silver and stopped their mutual funds SIPs are now left with “long-term patience.” 

 Greed 

Have you heard about that famous most expensive pizza story?  Back on 22 May 2010, a programmer named Laszlo Hanyecz made first real-world transaction using Bitcoin. He offered 10,000 bitcoins for 2 pizzas. At that time the original-crypto currency had no established value, so this seemed like a fair trade. 15 years later, one bitcoin was valued at $1,26,198.  

Now this story always fascinates us and a little bit of greed is somewhat obvious. But few investors always go one step ahead. Bitcoin was last seen trading around USD 71,000, down nearly 40% from its peak, wiping out billions and trillions of dollars.  

An asset heavily driven by greed rather than dividends, fundamentals, cashflows. And as usual, victims are always retail investors who trust tips and news but credible advisors. 

 To keep your emotions in control you can also refer to “Investor’s Survival Guide to managing panic, FOMO, and greed while investing.” Free download it now.  

 Speculation 

India's options market is the world’s largest by volume, with daily average turnover of Rs 280 lakh crore to Rs 515 lakh crores driven by intense retail participation. A study conducted by the Securities and Exchange Board of India (SEBI) revealed that 91% of individual traders made a net loss in FY25, with an average loss of Rs 1.1 lakh.  

 The regulator has bought strict norms from time to time to tighten retail participation in options trading. In the recent budget the government also increased STT charge on futures and options to 150% and 50% respectively.  

 “Though the government and Sebi’s attempts are appreciated to curb speculative trading, it will not lead to significant long-term decline in trading volumes as greed plays a pivotal role in derivatives trading,” Ajay Patwari, Co-founder MINTIT.  

 Patwari suggests that migration of retail traders towards mutual fund investing through SIPs will be a sustainable solution for long-term wealth creation.  

 SIPs: Panacea of Behavioural Bias  

You might have heard about the special theory of relativity by Albert Einstein. In this theory he suggests that time travel in the past is possible through warm holes created by extreme gravity in the space-time fabric. MINTIT also suggests that you can travel back in time in the mutual funds-SIP fabric.  

Let’s understand. Whenever you hear that the market is at a 2-year low or a 52-week low, it basically means that the index or stock is trading at the same price it traded 2 years or 52 weeks back. Now, SIPs help you buy the mutual funds units at that price and with even more quantities.  

 You do not need to time the market and its bottoms and highs, SIPs save you from greed, FOMO, panic and speculation because you prefer systematic buying rather than emotional buying. A trusted mutual fund advisor and a goal-based investing plan is all you need. While goals can be emotions-based, the journey should be smartly planned.  

 MINTIT, India’s dedicated tech-based Mutual Fund Platform, caters to your personalised goals and accompanies you to achieve your financial milestones.  

 Depending on your risk profile, the tech-based MINTIT platform precisely suggests tailored investing plans to achieve your goals through best suited mutual funds.  

 Stop Thinking, Start SIPing.