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How I Turned ₹5,000/month into ₹6 Lakhs — My 3-Year SIP Journey
In 2020, I was saving ₹5,000/month with no real strategy. I stumbled into SIPs by chance. Today, that same habit has grown into ₹6,12,000 — and taught me 3 major lessons about compounding, patience, and mistakes I wish I avoided earlier.
📉 What Went Wrong in Year 1
In my first year, I panicked during a market dip and pulled out my SIP investments. That single move cost me potential gains and broke the compounding chain. I learned the hard way that reacting emotionally to market swings is a recipe for regret.
📈 Lesson Learned: Consistency Beats Timing
- Missed rallies by being out of the market
- Lost out on rupee cost averaging
- Peace of mind improved with automation and discipline
🔄 My Portfolio Before vs After
Before (2020)
- Random savings in bank account
- No real investment plan
- Low returns (2-3% p.a.)
After (2023)
- Disciplined SIPs in diverse mutual funds
- Portfolio value: ₹6,12,000
- Average returns: 13-15% p.a.
🧠 What I’d Do Differently If Starting Again
If I could start over, I’d set up my SIPs and forget about the daily market noise. I’d diversify a bit more, avoid panic-selling, and trust the process. Most importantly, I’d start even earlier — because time is your biggest ally in compounding.
Virgin Atlantic stated there can be no disruption to its flying programme on Saturday.London: The wingtip of an empty Virgin Atlantic jet collided with a stationary British Airways airliner whereas being towed from a stand at London’s Heathrow Airport on Saturday, the airways stated.Heathrow, Britain’s busiest airport, stated no passenger accidents had been reported and it didn’t anticipate any ongoing impression to the airport’s operations.Accident at #heathrow involving a #virginatlantic#boeing787 and a #britishairways#A350#bigjettv@BigJetTVLIVEpic.twitter.com/Hm5Vh6ehrc— specialise cyclists (@slaytor_roger) April 6, 2024″Our aircraft is being assessed by our engineering teams and we have provided an alternative aircraft to limit the impact on our customers,” British Airways stated in a press release.Virgin Atlantic stated its empty Boeing 787-9 had simply accomplished a flight and was being towed to a different a part of the airfield when the incident occurred at Terminal 3.A Virgin Atlantic spokesperson stated: “We’ve commenced a full and thorough investigation and our engineering teams are performing maintenance checks on the aircraft, which for now has been taken out of service.”The airline stated there can be no disruption to its flying programme on Saturday.Heathrow stated it was working with emergency companies and the 2 airways in response to the incident.(Apart from the headline, this story has not been edited by NDTV workers and is revealed from a syndicated feed.)
#Planes #Graze #UKs #Heathrow #Airport