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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.
NEW DELHI: All automobiles manufactured from April 1, 2025 onwards, should present “rear seat belt alarm”, as per a draft notification issued by the highway transport ministry. This comes months after the same proposed obligatory rule had lapsed together with the obligatory six airbags and 3-point seatbelt.TOI on Nov 7 final yr had first reported how the important thing notification for automobile security had lapsed.The draft notification for introduction of this significant security characteristic, aimed toward nudging rear-seat passengers to put on seatbelts, has been put in public area looking for suggestions. “The notification is only for rear seatbelt alarm and there is no other new provision,” mentioned an official.Earlier, the ministry had issued a draft notification for rear seat belt alarm together with two different obligatory security options — three-point rear seat belt and 6 airbags — after former Tata Sons chairman Cyrus Mistry’s loss of life. Investigators discovered that he was not carrying a seatbelt when his automobile met with a crash. For the reason that proposal of obligatory fitment of six airbags couldn’t undergo, all the notification had lapsed.At the moment, the in-built seatbelt reminder is obligatory for driver and passenger on the entrance seat. Regardless of the Motor Automobile Act specifying that rear seat passengers not carrying a seatbelt will appeal to a advantageous of Rs 1,000, most individuals are both unaware of this or ignore it. There are additionally uncommon cases of visitors police personnel penalising rear seat passengers not complying with this rule.
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