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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.
A brand new class motion lawsuit within the US proposes that Apple has allegedly “marked up its iCloud prices to the point where the service is generating almost pure profit.” In line with a report by Bloomberg Regulation, the plaintiffs have accused the Cupertino-based tech big of “rigging the competitive playing field” by permitting solely iCloud to handle gadget backups and different storage wants.It is very important observe that the free tier of iCloud has remained restricted to 5GB of storage because it was launched by Steve Jobs at WWDC 2011.The lawsuit emphasises that iPhone customers solely have one choice in relation to full gadget backups and that’s Apple’s personal iCloud service, which solely offers customers 5GB without cost. It additionally criticises Apple for stopping “rival cloud platforms from offering a full-service cloud solution that can compete effectively against iCloud.” This permits Apple to restrict free iCloud storage to 5GB and know that almost all customers must subscribe and pay for extra storage simply to again up their units. iPhone customers within the US who’ve bought iCloud storage may be a part of the lawsuit. Learn what the lawsuit claimsThe lawsuit reads: “Apple device holders are given 5GB of free iCloud storage space, but as Apple’s iCloud revenues attest, most users find this insufficient for their storage needs and purchase a supplemental iCloud storage plan. Apple nevertheless arbitrarily requires that its mobile device holders use iCloud to back up certain file types—mainly, device settings as well as apps and apps data (“Restricted Files”). With respect to different file sorts—e.g., pictures and movies (“Accessible Files”)—Apple cell gadget holders can choose from different cloud-based storage suppliers servicing the market, together with Google Drive, Sync.com, pCloud, and others.Apple’s restrictions eradicate that alternative and, in doing so, successfully compel Apple gadget holders to make use of iCloud for cloud storage. Technically talking, Apple imposes what economists check with as a “requirements” tie. That’s, if iPhone or iPad holders want to use cloud storage for Restricted Information—and most do— iCloud is their solely choice for fulfilling that requirement. And for anybody requiring greater than 5GB of storage, which is to say most Apple clients, they need to pay for itThere is not any technological or safety justification for Apple mandating using iCloud for Restricted Information.. Apple attracts this distinction solely to curtail competitors and benefit its iCloud product over rival cloud platforms.”
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