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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.
World cumulative shipments of 5G smartphones reached 2 billion models within the fourth quarter of 2023 (This fall 2023) with Apple and Samsung as the highest performers on this market, a report has mentioned. Analysts attributed this fast development to improved affordability and accessibility of 5G smartphones.In response to a report by Counterpoint Analysis, practically 70% of all 5G shipments got here from developed smartphone markets equivalent to China, US and Western Europe.Apple and Samsung cumulatively shipped over 1 billion models.The market analysis agency attributed this development to smartphone manufacturers’ heavy promotion of 5G capabilities and options to distinguish themselves in a aggressive market. “The launch of the first 5G-capable iPhone 12 series in 2020 significantly boosted adoption, pushing global shipments above 100 million units for the first time in a single quarter,” the report mentioned. The momentum continued and the shipments hit a brand new document in This fall 2023, reaching 200 million models in a single quarter.Why that is significantThis growth is important as a result of the milestone was achieved in lower than 5 years, a sooner tempo than earlier applied sciences like 4G and 3G. Compared, it took 4G smartphones six years to succeed in the identical degree of adoption, the report mentioned.The narrowing value hole between 5G and 4G chipsets, mixed with strategic element choice by producers, helped keep manufacturing prices.“Besides, chipset players such as MediaTek and Qualcomm have helped smartphone OEMs to offer affordable 5G phones by launching entry-level 5G chipsets. All this has allowed OEMs, especially Chinese brands, to offer a wider 5G smartphone portfolio, particularly in mid and mid-to-high segments,” the report famous.Analysts imagine 5G smartphones are well-positioned to penetrate inexpensive segments in rising markets like India and Southeast Asia, driving the subsequent billion in shipments.“Developed markets are nearing saturation, with the contribution of 5G smartphones to the total shipments crossing 80% in 2023 led by the premium segment. Therefore, major smartphone players are introducing 5G capability as a common feature in their mid-range devices while introducing it in affordable segments,” the report mentioned.
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