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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.
Commodity Mutual Funds
A type of investment known as a commodity mutual fund invests largely in commodities and pays investors based on how well the market for those commodities performs.
Investors have recently begun expressing interest in the market for commodities mutual funds due to the burgeoning interest in investing in derivatives. We will attempt to investigate the fundamentals of commodity mutual funds in this essay.
Similar to how equity funds are tied to underlying equities assets, commodity funds are related to underlying assets that are commodities, such as the market price of crude oil, gold, metals, etc.
Investors have a great opportunity to participate in commodity trading while also achieving certain financial goals with the help of commodities funds.
Who Should Invest in Mutual Funds for Commodities?
- For people who don’t mind taking risks and don’t have a certain time frame in mind for obtaining benefits, commodity funds are a good investment.
- These investments are suitable for those who want to diversify their holdings and have a large amount of cash.
- Investors looking for set returns or assurance of investment appreciation should avoid commodities funds.
Types of Commodities Funds in India
- Funds for commodities based on futures
- Natural Resources Funds
- Commodity index funds
- Combination Fund
- True Commodity Funds
Investing in commodity mutual funds has several advantages.
- The addition of a commodities fund helps broaden the portfolio’s diversification.
- The bulk of commodities funds acts as an inflation hedge by offering returns that are in line with changes occurring around the world.
- By adopting such sensible choices, investors could increase their wealth.
- Various demands can be satisfied by different funds, and a fund can be chosen based on personal preference.
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