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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.
Essential replace for HDFC Financial institution prospects: HDFC Financial institution has knowledgeable its prospects that the Nationwide Digital Funds Switch (NEFT) transactions might not be accessible on April 1, 2024, resulting from year-end monetary procedures. In case NEFT is accessible for some HDFC Financial institution shoppers, there may be delays.Subsequently, people planning cash transfers ought to keep away from NEFT on Monday, that’s April 1, 2024.If you’re anticipating wage or different funds via NEFT on April 1, 2024, anticipate delays for a similar purpose, states an ET report. HDFC Financial institution has steered utilizing various transaction strategies like Speedy Cost Service (IMPS), Actual Time Gross Settlement (RTGS), and Unified Funds Interface (UPI) for cash transfers on that day. The financial institution acknowledged, “Please note, outward NEFT transactions may get delayed/ may not be available on 1st April 2024 due to financial year-end procedures. We request you to please complete your transaction using IMPS, RTGS, or UPI during this period. We regret any inconvenience this may cause.”For any help with cash transfers on April 1, prospects can attain out to the financial institution’s buyer assist group at 18001600 /1800 2600.Additionally Learn |Financial institution holidays April 2024: Banks are closed for 14 days in April 2024; test full record hereBanks in a number of states will likely be closed on April 1, 2024, resulting from year-end accounts closing as per RBI tips. Most locations will observe financial institution closures aside from Mizoram, Chandigarh, Sikkim, Bengal, Himachal Pradesh, and Meghalaya. It’s advisable to test the record of financial institution holidays earlier than visiting your financial institution department on Monday. In the meantime, the Reserve Financial institution of India (RBI) has introduced that the trade and deposit of Rs 2,000 notes is not going to be accessible on April 1, 2024. RBI has talked about that the trade/deposit of Rs 2000 banknotes is not going to be facilitated on April 01, 2024, on the 19 Concern Workplaces of the Reserve Financial institution of India because of the Annual Closing of Accounts. The service will resume on April 02, 2024.
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