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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.
MUMBAI: Govt plans to borrow Rs 7.5 lakh crore by way of public sale of bonds of between 3-year and 50-year maturities in the course of the first half of the following fiscal beginning April 1. This makes up about 53% of its FY25 borrowing goal of Rs 14.1 lakh crore, a launch from the ministry of finance mentioned on Wednesday.As well as, govt additionally plans to borrow Rs 49,000 crore by way of treasury payments of 91-day, 182-day and 364-day durations in the course of the first quarter (April-June 2024) of FY25, the discharge mentioned.Out of the budgeted gross market borrowing of Rs 14.13 lakh crore projected for FY25, Rs 7.5 lakh crore (53.1%) is deliberate to be borrowed within the first half (H1) by way of dated securities, together with Rs 12,000 crore by way of issuance of sovereign inexperienced bonds (SGrBs), the discharge famous. “Based on market feedback and in line with global market practices, it has been decided to introduce a new dated security of 15-year tenor,” it mentioned.The share of borrowing (together with SGrBs) underneath totally different maturities can be: 3-year (4.8%), 5-year (9.6%), 7-year (8.8%), 10-year (25.6%), 15-year (13.9%), 30-year (8.9%), 40-year (19.5%) and 50-year (8.9%), the discharge from the ministry mentioned. “Govt will continue to carry out switching of securities to smoothen the redemption profile.”Earlier, in the course of the Price range, finance minister Nirmala Sitharaman had mentioned that govt would cut back the quantum of gross borrowing for FY25. This was aimed primarily at assembly the long-term fiscal deficit targets set throughout the Fiscal Duty & Price range Administration (FRBM) Act.
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