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How I Turned ₹5,000/month into ₹6 Lakhs — My 3-Year SIP Journey

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.
  • Start SIPs as early as possible
  • Stay consistent, ignore short-term volatility
  • Review portfolio annually, not monthly
  • Invest for long-term goals, not quick gains

PUNE: IndiGo has added Agatti in Lakshadweep because the 88th home and 121st total vacation spot within the 6E community, airline officers introduced on Monday. The airline will begin operations between Bengaluru-Agatti, efficient from March 31. This new route will set up direct connectivity between these locations and supply vacationers with ease of accessibility, extra flight choices and strengthen connectivity to and from Lakshadweep.Vinay Malhotra, Head of International Gross sales at IndiGo, stated, “We are excited to announce Lakshadweep, India’s smallest Union Territory, as IndiGo’s 88th domestic destination. The natural landscapes, the sandy beaches and the abundance of flora & fauna are bound to attract people to explore the pristine beauty of the archipelago. The launch of these new flights would not only further strengthen Lakshadweep’s position on the country’s aviation map but also enhance travel & tourism. As India’s leading carrier, we remain committed to delivering on our promise of providing affordable, on-time, courteous, and hassle-free travel experiences.”

#IndiGo #begin #flight #Bengaluru #Agatti #Lakshadweep

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