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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.
ChatGPT went via an outage. The outage monitoring web site — Downdetector — has additionally acquired reviews from a number of customers suggesting that they’re unable to entry the OpenAI’s chatbot. In response to the report, round 91% of individuals are confronted points whereas accessing ChatGPT. Round 7% of customers had been unable to entry the web site and the remainder had been unable to log into their ChatGPT account.Customers additionally took to X (previously Twitter) to submit in regards to the ongoing outage.What OpenAI has to sayWhile customers had been going through points whereas accessing the ChatGPT, OpenAI’s official standing web page additionally acknowledged the outage. The corporate has talked about the problem as “increased latency and errors affecting both ChatGPT and APIs. Also, the service is now back online, as per the official OpenAI Status page and the latency issue has been fixed. “Performance is now back to normal”, reads the official web page. To confirm this, TOI Tech group additionally tried accessing ChatGPT on the internet in addition to by way of the cell app and in each locations, ChatGPT seems to be working high-quality with none points.
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