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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: Byju’s has as soon as once more postponed salaries for a lot of staff for the second consecutive month, citing an interim order obtained by sure international traders in late February. This order restricted using funds raised via a latest rights situation. In an e mail on Monday, the corporate’s administration conveyed the information of the wage delay, expressing confidence within the Indian judicial system and anticipating a optimistic decision to make the most of the raised funds and tackle monetary difficulties.The corporate stated, “We have full faith in the Indian judicial system and we eagerly await a favourable outcome that will enable us to utilise the funds raised through the rights issue and alleviate the financial challenges that we are currently facing.” Byju’s has instructed all staff to work remotely because it relinquishes workplace areas nationwide attributable to monetary constraints, besides for employees at offline tuition facilities. At a latest extraordinary common assembly (EGM) convened to safe capital via the rights situation, the corporate confronted opposition from key traders who approached the Nationwide Firm Regulation Tribunal (NCLT).Regardless of this problem, Byju’s assured staff of efforts to safe a line of credit score to make sure wage funds by April 8, no matter the court docket’s choice. Byju Raveendran, the corporate’s Co-founder and CEO, appealed to the dissenting traders for cooperation, expressing understanding of their issues and the shared frustrations because of the scenario. The corporate conveyed hopes for a decision that may not disrupt day by day operations additional.(With company inputs)
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