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How I Turned ₹5,000/month into ₹6 Lakhs — My 3-Year SIP Journey

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.
  • Start SIPs as early as possible
  • Stay consistent, ignore short-term volatility
  • Review portfolio annually, not monthly
  • Invest for long-term goals, not quick gains

Android Auto, Google’s in-vehicle infotainment system, has launched a brand new security function to stop drivers from getting distracted whereas driving. The newest updates to the platform embody a standing indicator on apps that may solely be used when the automotive is parked, making it simpler for customers to determine and keep away from doubtlessly harmful distractions whereas driving. The replace is rolling out now and customers can now obtain the replace to get this new function.How the brand new function work The replace provides a brand new “P” icon that seems on the highest of an app that requires the automobile to be parked earlier than it may be accessed. This function is especially related for apps like GameSnacks, a set of touchscreen video games obtainable on Android Auto, primarily designed as a type of leisure for electrical automobile homeowners whereas their automobiles are charging.Beforehand, customers would solely obtain an error message stating that the app must be in park mode when trying to open it whereas the automobile was in movement. Nonetheless, with the brand new standing indicator, customers can now simply determine which apps are secure to make use of whereas driving and which of them needs to be prevented till the automotive is parked.The way it ensures customers safetyThis replace addresses a vital security concern within the period of related automobiles and infotainment techniques. Distracted driving is a major threat and by clearly labeling apps that require the automotive to be parked, Android Auto is taking a proactive step in selling accountable utilization and minimising potential distractions on the street.Along with the brand new security function, Android Auto 11.4 additionally introduces message summaries, permitting customers to shortly preview and reply to incoming messages with out having to navigate away from their present app or exercise.

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