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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.
Apple has launched its new MacBook Air M3 in India at a beginning worth of Rs 1,14,900. Alongside the announcement, the corporate has slashed the value of the previous-generation mannequin — MacBook Air M2. After the value reduce, the MacBook Air M2 now begins at Rs 99,900 which is round Rs 14,000 cheaper in comparison with the brand new M3-powered MacBook Air M3. What you get for Rs 14,000 extra with MacBook Air M3At its core, each the M2 and M3 fashions share a number of similarities, together with the smooth and light-weight design, the 13.6-inch Liquid Retina show with True Tone expertise, a 1080p FaceTime HD digicam, and the handy MagSafe 3 charging port.Moreover, they each function two Thunderbolt/USB 4 ports, a Magic Keyboard with Contact ID, and a Drive Contact trackpad.The first distinction lies within the processing energy and graphics capabilities. The newer MacBook Air comes with an M3 chipset which, compared to the M2 chip, provides total improved CPU, GPU and NPU efficiency. The primary distinction is the newer chipset between the 2 MacBooks. One other distinction between the MacBook Air M2 and MacBook Air M3 is the Wi-Fi chip, the MacBook Air M3 comes with Wi-Fi 6E and the MacBook Air M2 comes with Wi-Fi 6. As compared, the 6E is a comparatively newer Wi-Fi commonplace and claims to supply higher connectivity and vary. Right here’s how the 2 MacBook’s compareFeatureMacBook Air M2 13MacBook Air M3 13CPU8-core M2 chip8-core M3 chipGPUUp to 10-core GPUUp to 10-core GPU with {Hardware}-accelerated ray tracingUnified MemoryUp to 24GBUp to 24GBStorageUp to 2TBUp to 2TBBattery LifeUp to 18 hrsUp to 18 hrsTouch IDYesYesCompute SoCM2 chipM3 chipCPU Cores8 cores (4 efficiency, 4 effectivity)8 cores (4 efficiency, 4 effectivity)GPU CoresUp to 10 coresUp to 10 cores with {Hardware}-accelerated ray tracingNeural Engine16-core16-coreMemory Bandwidth100GB/s100GB/sMedia EngineHardware-accelerated H.264, HEVC, ProRes, ProRes RAWHardware-accelerated H.264, HEVC, ProRes, ProRes RAW, AV1 decode engineVideo Decode EngineYesYesVideo Encode EngineYesYesProRes Encode/Decode EngineYesYes
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