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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: The Indian central financial institution is more likely to take supply of a $5 billion foreign exchange swap maturing subsequent week within the wake of satisfactory greenback inflows and rupee liquidity staying on the tighter aspect, a supply and 4 bankers stated on Monday.The Reserve Financial institution of India undertook a greenback/rupee sell-buy swap in March 2022 that matures subsequent Monday. Taking supply would pull out $5 billion and inject proportionate rupee liquidity.”There have been quite a lot of (dollar) inflows, dollar liquidity is not the issue,” an individual acquainted with the RBI’s pondering stated.”The exchange rate and forward premiums are not a concern either. I don’t see why the RBI shouldn’t go ahead and take the delivery.”Inflows into the debt market have aided greenback liquidity, with foreigners pouring in $3.8 billion into bonds in February.The ultimate few weeks of India’s fiscal 12 months ending March 31 usually see greater capital inflows and will additional assist maintain greenback liquidity aflush.Greenback liquidity was a problem when an identical swap matured in October final 12 months, mirrored within the drop within the greenback/rupee ahead premiums.Nonetheless, the March ahead premium is at 4.50 paisa every week earlier than this contract’s maturity, solely barely decrease, on a per-day foundation, than the in a single day greenback/rupee money swap charge.Taking supply of the FX swap would infuse round 400 billion rupees however money outflows in direction of direct taxes are anticipated to make sure a sustained deficit within the system.India’s banking system liquidity deficit stands at 400 billion rupees ($4.83 billion) from over 2 trillion rupees final week.The RBI can select to roll over the swap as a substitute of letting it mature by conducting sell-buy swaps for brief maturities, however that’s not seen as a probable final result.”The RBI may choose to follow the policy of taking delivery of the dollars, which will help them manage the domestic liquidity situation,” said Madan Sabnavis, chief economist at Bank of Baroda.The situation right now is much more comfortable, relative to last October, “so this (swap maturity) ought to sail by,” the particular person acquainted with the central financial institution’s pondering added.
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