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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.
Inventory market right this moment: BSE Sensex and Nifty50, the Indian benchmark fairness indices, opened in inexperienced on the final buying and selling day of the fiscal 12 months. Markets will probably be closed on account of Good Friday vacation on March 29. BSE Sensex surged 150 factors in opening commerce, crossing the 73,000 degree. Nifty50 additionally jumped over 50 factors. At 9:16 AM, BSE Sensex was buying and selling at 73,149.34, up 153 factors or 0.21%.Nifty50 was at 22,179.50, up 56 factors or 0.25%.Fairness markets confirmed a constructive rebound on Wednesday pushed by shopping for in index heavyweights. Analysts have warned of potential volatility forward because of the month-to-month derivatives expiry and the monetary year-end approaching. Siddhartha Khemka, Head of Retail Analysis at Motilal Oswal says that the upcoming international financial knowledge releases on Thursday, together with UK GDP Knowledge, US core PCE, This autumn GDP knowledge, and preliminary jobless declare knowledge are the important thing issues to be careful for.Jatin Gedia of Sharekhan advises using any dip in direction of 22100 – 22060 as a shopping for alternative for a goal of 22215 – 22250 amidst divergent alerts from day by day and hourly momentum indicators.In Asian markets, Japanese shares slipped because of ex-dividend buying and selling, whereas Australian shares reached a brand new excessive. US inventory markets closed with positive factors on Wednesday, with the Dow main the rally and the S&P 500 setting a brand new closing file.The US greenback strengthened in opposition to main currencies as a Federal Reserve official indicated a cautious strategy in direction of fee cuts. Oil costs noticed a slight enhance after two consecutive days of decline, pushed by reassessment of US crude oil and gasoline inventories knowledge. Brent crude futures for Could and US West Texas Intermediate (WTI) crude futures for Could supply each noticed positive factors.Hindustan Copper and ZEE have been among the many shares within the F&O ban interval on Thursday. International portfolio traders turned web patrons for the second consecutive day, whereas DIIs additionally purchased shares on Wednesday. The Indian rupee closed at 83.33 in opposition to the US greenback, reflecting energy within the American forex.FII knowledge confirmed a rise in web brief positions from Rs 75,404 crore on Tuesday to Rs 90,796 crore on Wednesday.
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