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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.
Google has formally acknowledged the existence of the upcoming Pixel 8a whereas revealing {that a} lately eliminated Android function might be returning on the midrange and future Pixel units. The affirmation got here in response to person reviews concerning the disappearance of the Battery data web page throughout the Android settings.A Google worker, as first reported by 9to5Google, said on the corporate’s bug tracker web page that the Battery data web page, which shows the battery’s manufacture date and cycle rely, was meant to be accessible solely on the Pixel 8a and past.The function was initially launched within the early beta of Android 14 QPR1 final yr however was eliminated following the current Android 14 QPR2 launch.”We only enable this page on Pixel 8a and beyond, so this is WAI(Working as Intended),” a Google worker replied to the thread on IssueTracker.The choice to restrict the battery stats function to newer {hardware} has raised questions amongst Pixel customers, who consider that offering primary data on battery well being shouldn’t be restricted to approaching units. Google might rethink this stance in mild of the quite a few feedback from customers on the difficulty tracker.Google Pixel 8a: What to expectCurrently, not a lot is understood concerning the Pixel 8a. Rumours recommend that the Pixel 8a is anticipated to be unveiled in Might, probably at Google I/O 2024. As reported by WinFuture, the Pixel 8a might are available two storage choices and 4 colors. The cellphone is anticipated to be accessible in Obsidian, Porcelain, Bay, and Mint colors, however not all colors could also be accessible in each storage choices.The 128GB storage variant of the cellphone might begin at 569.90 euros (round Rs 51,000 / $620), whereas the 256GB model might retail at about 630 euros (round Rs 56,700/ $685), which is a major enhance from the value of the Pixel 7a.The Pixel 8a is rumored to have a design much like the Pixel 8 telephones launched final yr, with a twin rear digicam setup housed contained in the visor and rounded edges. The cellphone might have a 6.1-inch display and include the Tensor G3 chip and 8GB of RAM.
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