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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.
All of India’s refiners are actually refusing to take Russian crude carried on PJSC Sovcomflot tankers as a consequence of US sanctions, additional complicating the commerce that has flourished because the invasion of Ukraine two years in the past.Non-public and state-run processors together with the most important — Indian Oil Corp. — have stopped taking cargoes in the event that they’re on Sovcomflot tankers, stated individuals aware of the matter.Refiners are scrutinizing the possession of every ship to ensure they’re not affiliated with the corporate, or different sanctioned teams, they added, asking to not be named as a result of the knowledge is personal.The broader pushback follows an analogous transfer by India’s greatest personal refiner, Reliance Industries Ltd., reported earlier this week. The heightened scrutiny on the tanker big seems to have additionally swept up different oil ships carrying Russian oil, with two vessels ready a number of weeks off the South Asian coast with none indication of when they may unload.Indian Oil, Bharat Petroleum Corp., Hindustan Petroleum Corp., Mangalore Refinery & Petrochemicals Ltd. and Nayara Power Ltd. — 49% owned by Russia’s Rosneft PJSC — didn’t instantly reply to emails in search of remark.Sovcomflot declined to touch upon its operational actions.Final month, the US Treasury’s Workplace of International Belongings Management designated Sovcomflot and recognized 14 crude oil tankers wherein the state-controlled agency has an curiosity. That got here on prime of wider measures already imposed on non-Sovcomflot ships and Russia-friendly corporations since October for violations of a Group of Seven cap on the worth of Russian oil.India has been a serious purchaser of Russia oil because the invasion of Ukraine, however tighter enforcement of US sanctions has disrupted the commerce and led to refiners in search of dearer crude from different areas such because the US. Sovcomflot stated this week that the penalties had been placing stress on its operations.The Sovcomflot situation means there are fewer tankers to ship Russian crude, which has led to reductions for the nation’s oil narrowing to compensate for larger freight prices, the individuals stated. The low cost to comparable provides blew out to $30 a barrel after the warfare, however that’s narrowed and is at the moment about $2-$4 for Indian patrons. The South Asian nation continues to be anticipated to take giant volumes of Russian crude this month, with Kpler estimating imports of 1.8 million barrels a day — the very best since July.
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