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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.
Throughout Apple’s annual shareholder assembly on February 28, CEO Tim Prepare dinner hinted at main developments in generative AI know-how from the corporate later this yr. Prepare dinner stated Apple sees “incredible breakthrough potential” for generative AI and is investing considerably within the space.”Later this year, I look forward to sharing with you the ways we will break new ground in generative AI, another technology we believe can redefine the future,” Prepare dinner advised shareholders. Whereas particulars are scarce, Prepare dinner’s feedback recommend Apple is poised to unveil new generative AI options that might compete with fashions like OpenAI’s GPT and Google’s Bard.Behind the scenes, Apple’s software program engineering lead, Craig Federighi, has reportedly challenged groups to develop as many new AI options as attainable for this yr’s working system updates. The corporate often unveils vital software program updates, together with iOS, at its Worldwide Builders Convention (WWDC) in June.Generative AI has change into one of many sizzling new issues among the many tech giants, with Microsoft, Google, and others racing to launch fashions that may write prose, generate photographs, and extra. Whereas Apple has but to unveil a chatbot or perhaps a language mannequin, Prepare dinner’s feedback recommend the corporate will not keep on the sidelines for lengthy.Prepare dinner reframed a number of present Apple merchandise as “AI-powered” and highlighted how AI know-how is already woven into choices like Apple Watch well being options. Apple’s CEO has beforehand referred to as self-driving automotive know-how “the mother of all AI projects.” Nevertheless, workers have been reportedly advised that Apple’s secretive automotive mission was being shuttered this week. When requested about product choice, Prepare dinner stated, “much of this is about focus.”The iPhone maker is reported to carry AI into its core apps and providers like Apple Music, XCode, Pages, Keynote, and Siri. The generative AI-powered options may very well be part of the upcoming iOS 18 replace, which is predicted to be introduced on the Worldwide Builders Convention in June.
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