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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.
In March, inflows into open-ended fairness mutual funds witnessed a 16 % decline, amounting to ₹22,633 crore, as per the information launched by the Affiliation of Mutual Funds of India (AMFI) on April tenth.
Small-cap funds skilled an outflow of ₹94.17 crore. All through FY24, this class noticed complete inflows amounting to ₹40,188.56 crore.
Internet inflows into mid-cap funds decreased by 44 % to ₹1,018 crore in comparison with investments of ₹1,808.18 crore in February. Conversely, there was a reversal of flows into large-cap funds, with inflows into the class surging by 131 % to ₹2,128 crore in March.In March, inflows into hybrid fund classes noticed a major decline of 69%, amounting to ₹5,583.62 crore, in comparison with an influx of ₹18,105 crore in February. Debt mutual funds skilled the biggest outflows, totaling roughly ₹1.98 lakh crore. Contrastingly, the class noticed a complete influx of ₹63,808.82 crore in February, based on the latest AMFI information.Alternatively, sectoral/thematic funds maintained their place as the best recipients of inflows in March, garnering ₹7,917.72 crore, in distinction to ₹11,262.72 crore in February.In March, roughly 19 open-ended NFOs have been launched, elevating a mixed complete of ₹3,827 crore. Moreover, two close-ended NFOs have been launched throughout the identical interval, producing ₹319 crore in funds.
The overall belongings beneath administration (AUM) of mutual funds decreased by 2%, amounting to ₹53.12 lakh crore, in comparison with ₹54.24 lakh crore in February.
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