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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.
Elon Musk’s Tesla was just lately referred to as out for not paying for a mega pie order. A bakery in California claimed that the electrical car maker didn’t pay for an order price hundreds of {dollars} however after the press protection, the corporate CEO has made issues good for it, a report stated. Tesla cancelled an enormous pie orderThe proprietor of Giving Pies, a bakery in San Jose, California, claimed that Musk’s firm Tesla had ordered 2,000 pies which might have price the bakery $6,000 to finish.It was a final minute order on Valentine’s Day, and shortly Tesla doubled the order to 4,000 pies earlier than it cancelled the order with out paying.The proprietor stated to fulfil the order she turned down different catering inquiries, bought further provides and ready her employees for a “demanding production schedule”. “I’m a small business. I don’t have the luxury of infinite resources so I really need to be paid so I can secure my staff,” the proprietor stated. “I had invested time, resources, and effort based on assurances from Tesla, only to be left high and dry.”Elon Musk chimes in, Tesla pays for orderSoon her ordeal was shared in a report on X (previously Twitter), which can also be owned by Musk. In a reply to the story hyperlink that was posted on the platform, Musk stated he didn’t find out about it and he “will make things good with the bakery.””Just hearing about this. Will make things good with the bakery. People should always be able to count on Tesla trying its best,” Musk stated within the publish.The bakery proprietor confirmed to The Guardian that Tesla paid the cash it owed. “Tesla just paid the $2k that I was out of,” the proprietor advised the publication in an e-mail.
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