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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.
There’s unhealthy information for Apple followers ready for a automobile from their favorite model. Apple has cancelled the Apple Automobile undertaking. The iPhone maker’s plan to tackle Tesla with its self-driving automobile is formally off the desk. The key undertaking known as Mission Titan is extensively mentioned to be within the works for almost a decade. Apple is reported to be constructing a man-made intelligence system that was highly effective and energy-efficient sufficient to make a automobile totally autonomous.By the way, the Apple Automobile undertaking was by no means public, and so is the announcement of its scrapping. The information that Apple is ending its automobile undertaking was first reported by Bloomberg.How the ‘2000-member team’ was informedApple reportedly informed 2,000 workers in an inner assembly on Tuesday, February 27. The corporate knowledgeable the staff that it had scrapped the undertaking and that members of the group can be shifted to completely different roles, together with in Apple’s synthetic intelligence division. The choice is claimed to have adopted months of frenzied conferences between prime executives and the corporate’s board over methods to proceed. Chief Working Officer Jeff Williams and undertaking head Kevin Lynch broke the information to the crew throughout a gathering that lasted lower than quarter-hour.First-ever high-profile cancellationThe cancellation of the Apple Automobile undertaking is extensively seen as a uncommon transfer by Apple, which usually doesn’t shelve such public and high-profile tasks. It’s extra in order the corporate reportedly had been testing the automobile within the US. Apple CEO Tim Prepare dinner too had publicly hinted that Apple was taken with coming into the automobile area. The corporate even went for some high-profile hiring from auto giants like Ford and others for the undertaking. .What the cancellation of the Apple Automobile undertaking meansThe cancellation of the Apple Automobile undertaking signifies that Apple, which to date has held again from any large strikes in AI, will focus extra energies on the know-how that has virtually taken the world by storm, ever since Microsoft-owned ChatGPT went mainstream early 2023. Apple’s efforts in AI to date have been in stark distinction to that of rivals Google mother or father Alphabet and Microsoft, which have first-mover benefit in incorporating the know-how.What occurs to the crew engaged on the Apple Automobile projectThe cancelling of the undertaking signifies that the 2000 odd workers engaged on the autonomous automobile undertaking might want to search alternatives inside the firm. Those that will not be capable of finding something must go. In line with a report in Bloomberg, there are three predominant teams inside SPG — a software program crew primarily based in Ottawa underneath govt Dan Dodge; a cloud engineering and software program group underneath Libo Meyers; and a software program undertaking administration crew underneath Vera Carr — will likely be shifted to Craig Federighi’s software program division to work on Apple’s predominant working programs.Apple’s synthetic intelligence crew for the automobile, which had been reporting to Stuart Bowers, will reportedly be shifted to work on generative AI in John Giannandrea’s machine studying division. Part of the crew might even be part of the Apple Imaginative and prescient Professional crew.
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