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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.
The rise of synthetic intelligence (AI) is simple, however a brand new report by The New Yorker sheds gentle on a possible hidden price: its immense urge for food for electrical energy. In accordance with a report within the New Yorker, the favored chatbot ChatGPT, developed by OpenAI, makes use of a staggering half 1,000,000 kilowatt-hours each day to deal with its 200 million consumer requests.This interprets to over 17,000 instances extra electrical energy than the common US family makes use of in a day.The harmful numbersWhat makes these figures extra alarming is that the broader adoption of AI expertise might result in a good greater power drain. A research by Alex de Vries, a knowledge scientist for the Dutch Nationwide Financial institution, printed within the journal Joule, means that if Google built-in generative AI into each search, it might devour a mind-boggling 29 billion kilowatt-hours yearly. This surpasses the yearly power consumption of total international locations like Kenya, Guatemala, and Croatia.”AI is just very energy intensive,” de Vries advised Enterprise Insider. “Every single AI server can already consume as much power as more than a dozen UK households combined.”Estimating the whole power consumption of the AI business is difficult because of the various operational wants of huge fashions and the secrecy surrounding tech giants’ power utilization, in keeping with a report in The Verge.Nevertheless, de Vries, utilizing knowledge from chipmaker Nvidia, a pacesetter within the AI increase, has provide you with a projection. By 2027, your entire AI sector could possibly be utilizing a staggering 85 to 134 terawatt-hours yearly, probably reaching half a p.c of worldwide electrical energy consumption. That is vital contemplating main corporations like Samsung use a fraction of this for his or her total operations.OpenAI has not but commented on these reviews.The environmental impression of AI’s power wants is a rising concern. As AI improvement continues, addressing its power consumption will likely be essential to make sure a sustainable future.
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