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How I Turned ₹5,000/month into ₹6 Lakhs — My 3-Year SIP Journey

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.
  • Start SIPs as early as possible
  • Stay consistent, ignore short-term volatility
  • Review portfolio annually, not monthly
  • Invest for long-term goals, not quick gains

Indian Laptop Emergency Response Crew (CERT-In) beneath the Ministry of Electronics and Info Expertise Authorities of India has issued an essential warning with a severity ranking set to ‘High’ for Android customers. In keeping with the report, a number of safety flaws have been discovered inside the a number of variations of the Android working system. The federal government physique has warned customers in regards to the present vulnerabilities which have been reported.What the federal government has saidAs per the report, A number of Vulnerabilities have been reported in Android which could possibly be exploited by an attacker to acquire delicate data, achieve elevated privileges, execute arbitrary code or trigger denial of service circumstances on the focused system.The vulnerabilities exist in Android on account of flaws in Framework, System, AMLogic, Arm parts, MediaTek parts, Qualcomm parts & Qualcomm closed-source parts.Additionally, profitable exploitation of those vulnerabilities can enable an attacker to acquire delicate data and achieve privileges and likewise run arbitrary code and even trigger denial of service on the focused system.Affected Android versionsThe vulnerabilities have been discovered inside a number of variations of the Android together with Android 11, Android 12, Android 12L, Android 13 and Android 14 working techniques. Additionally, this impacts each Android-powered smartphones and tablets. What’s the solutionThe authorities physique has suggested customers to use the most recent safety patch accessible for his or her units.To verify for the replace, observe these steps:Open Settings in your smartphone or tabletTap on Software program updatesThen, faucet on Test for updates button.Hit Set up, if there’s an replace accessible. Look ahead to it to obtain and set up. As soon as performed, restart the cellphone.

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