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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.
Seoul: When the climate turned chilly in Dec, Cindy Luo began to put on her fluffy pajamas over a hooded sweatshirt on the workplace. Sporting cozy sleepwear to work turned a behavior and shortly she did not even trouble to put on matching tops and bottoms.A couple of months later, she posted images of herself to a “gross outfits at work” thread that had unfold on Xiaohongshu, a Chinese language app just like Instagram.She was one among tens of hundreds of younger employees in China to proudly put up photos of themselves exhibiting up on the workplace in onesies, sweatpants and sandals with socks. The just-rolled-out-of-bed look was shockingly informal for many Chinese language workplaces. “I just don’t think it’s worth spending money to dress up for work, since I’m just sitting there,” mentioned Luo, 30, an inside designer in Wuhan.Defying expectations for correct work apparel displays a rising aversion amongst China’s youth to a lifetime of ambition and striving that marked the previous few a long time. Because the nation’s progress slows, many younger persons are selecting as an alternative to “lie flat”, a countercultural method to in search of a straightforward and uncomplicated life. And now even these with regular jobs are staging a quiet protest. The deliberately lackluster outfits turned a social media motion when a person named “Kendou S-” posted a video final month on Douyin, the Chinese language sibling service of TikTok. She confirmed off her work outfit: a fluffy brown sweater gown over plaid pajama pants with a pink, light-quilted jacket and furry slippers. Within the video, she mentioned that her supervisor at work advised her a number of occasions that her outfits have been “gross” and that she wanted to put on higher garments “to mind the image of the company.” The video took off; it acquired over 735,000 likes and was shared 1.4 million occasions. The hashtag “gross outfits at work” unfold throughout a number of Chinese language social media platforms and it unleashed a contest of whose work gown was essentially the most repulsive. On Weibo, the subject generated lots of of hundreds of thousands of views and sparked a wider dialogue about why younger persons are not prepared to decorate up for work these days. Folks’s Every day, the Communist Social gathering’s mouthpiece, criticised younger individuals for “lying flat” in a 2022 editorial, nevertheless it has kept away from scolding youth for what it known as “being ugly” at work. Xiao Xueping, a psychologist, mentioned that could be as a result of the outfits are a type of accountable protest as persons are nonetheless doing their jobs.
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