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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.
AT&T Inc acknowledged {that a} vital outage that took a number of hours to repair on Thursday (February 22) was resulting from an “erroneous procedure” applied throughout the enlargement of their wi-fi community. The software program glitch disrupted wi-fi companies for lots of of hundreds of customers within the US and led to an investigation by the FBI and the US Division of Homeland Safety into the outage.FBI and DHS to analyze the outageThe Federal Communications Fee additionally has been in contact with AT&T to attempt to confirm the trigger, White Home spokesman John Kirby advised reporters. “DHS and the FBI are looking into this as well, working with the tech industry, these network providers, to see what we can do from a federal perspective to enhance their investigative efforts to figure out what happened here,” Kirby mentioned.What AT&T mentioned on the downtimeAccording to a report in Bloomberg, an AT&T spokesperson acknowledged, “Our initial analysis suggests that the outage today was the result of the application and execution of a flawed process as we were expanding our network, not a cyber attack. We are continuing to evaluate today’s outage to ensure we maintain the level of service our customers expect.”Over a million stories filed on DowndetectorAT&T confirmed that each one wi-fi companies had been restored by Thursday afternoon, ending a day of inconvenience that began within the early morning hours, New York time. Greater than 1.5 million outage stories had been filed by AT&T prospects on the service-tracking web site Downdetector.The federal authorities reportedly initiated an investigation to find out if the community failure was the results of a cyberattack, as per two US officers who wished to stay nameless as a result of delicate nature of the knowledge.The Federal Communications Fee has additionally been in touch with AT&T to find out the trigger, in line with White Home spokesperson John Kirby. He added, “The DHS and the FBI are also investigating this, collaborating with the tech industry and network providers to see what can be done from a federal standpoint to support their investigative efforts to determine what occurred here.”Early on Thursday, cell phone customers from numerous carriers started reporting points, but it surely rapidly turned obvious that AT&T’s community was the first supply of the issue. Outages had been reported in cities together with New York, Houston, Atlanta, Miami, Chicago, and Dallas. The disruption in service affected communication with emergency responders, prompting officers to advise AT&T prospects to make use of landlines for 911 emergency calls.With roughly 87 million subscribers, AT&T is the third-largest retail wi-fi provider within the US, trailing Verizon Communications Inc and T-Cell US Inc, as per knowledge compiled by Bloomberg. Each Verizon and T-Cell confirmed that their companies had been functioning usually.
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