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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.
Hyderabad: P Pitchi Reddy and P V Krishna Reddy, the promoters of Megha Engineering that emerged because the second-largest donor of electoral bonds at Rs 1,232 crore, noticed their wealth bounce 53% and 51%, respectively. P P Reddy and PV Krishna Reddy, who’re price about $6 billion every, are the richest individuals from Hyderabad after Divi’s Labs promoter Murali Divi & household ($7 billion), Hurun International Wealthy Record 2024 confirmed.The uncle and nephew duo moved up 305 and 303 locations to the 536th and 561st positions, respectively, within the international wealthy listing.
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