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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.
NEW DELHI: Sensex on Tuesday climbed 165.32 or 0.22% to settle 73,667 whereas Nifty remained flat and closed at 22,335.70.HDFC Financial institution, TCS, Infosys, Maruti Suzuki, Reliance Industries have been among the many prime gainers in Sensex whereas SBI, ITC, JSW Metal, NTPC and Ultratech cement have been among the many prime losers.In response to trade knowledge, International Institutional Buyers (FIIs) bought equities price Rs 4,212.76 crore on Monday. On Monday, the BSE benchmark index declined by 616.75 factors or 0.83% to settle at 73,502.64, whereas the Nifty slumped by 160.90 factors or 0.72% to shut at 22,332.65.International benchmark Brent crude oil rose by 0.35% to achieve $82.50 per barrel.
#Inventory #market #at this time #Sensex #settles #Nifty #stays #flat