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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.
Elon Musk has been extraordinarily crucial of ChatGPT maker OpenAI for deviating from its mission to develop AI for the advantage of humanity and taking a profit-making path. He has advocated that synthetic intelligence (AI) ought to be accessible for all, and he has now introduced that his AI startup xAI will open supply Grok chatbot this week.“This week, @xAI will open source Grok,” Musk stated in a put up on X (previously Twitter).In easier phrases, open-sourcing a software program, like a chatbot, signifies that the software program tasks are redistributable as all supply code is accessible by everybody. One of many benefits of getting open supply software program is that it gives flexibility to an enterprise to have a number of methods of fixing an issue fairly than ready for an inner staff to supply an answer.“OpenAI is a lie”In the meantime, a consumer steered that OpenAI ought to do the identical.“OpenAI should do the same if they are ‘open’ that is,” the consumer stated. Musk replied, “OpenAI is a lie.”Musk desires AI expertise to be open-source Musk had floated the concept of open-sourcing AI throughout a podcast in November final yr. In a podcast with Lex Fridman, Musk steered that he likes the concept of open-source AI. “I am generally in favour of open sourcing, like biassed towards open sourcing,” he stated.His feedback got here quickly after his AI firm referred to as xAI launched Grok, its chatbot, which reportedly took 4 months to construct. OpenAI CEO Sam Altman was fast to take a dig at this and shared a put up by which he constructed Grok with a single immediate on GPT Builder.”GPTs can save loads of effort:” he stated.Musk, clearly did not just like the jab and replied with a long-ish message saying “GPT-4 is about as funny as a screendoor on a submarine.”
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