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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: India is among the many most secure nations on the planet relating to on-line transactions, because of RBI’s resolution to tokenise each transaction, in response to Mastercard.”India is the only country that tokenises every online transaction, reducing fraud and disputes. However, social engineering frauds – where customers are tricked into payments or sharing credentials – still exist, and there is always a possibility that devices can be hacked,” stated Gautam Aggarwal, nation head of Mastercard India.Talking to TOI, Aggarwal stated that regardless of the emergence of fast-payment networks, playing cards retain an edge in safety because of the excessive degree of analytics that the fee community runs on transactions worldwide. “Fraud analytics have become more advanced, distinguishing between authentic and fraudulent transactions,” stated Aggarwal.
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