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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.
The Indian authorities is taking a robust stance in opposition to Google’s current removing of sure apps, together with in style matrimonial companies, from the Play Retailer. IT and Telecom Minister Ashwini Vaishnaw emphasised that India’s thriving startup ecosystem can’t be dictated to by “big tech” firms.Minister Vaishnaw has scheduled a gathering subsequent week with representatives from each Google and the affected app builders to discover a resolution. He burdened that the federal government will defend its essential startup scene, which boasts over 100,000 startups and 100 unicorns constructed inside a decade. “I have already called Google…I have already called the app developers who have been delisted, we will be meeting them next week. This cannot be permitted..This kind of delisting cannot be permitted,” Vaishnaw asserted.”I will be telling Google…Our entrepreneurial energy…startups, look at the whole startup India programme, 10 years back we had practically nothing and today we have more than 1,00,000 startups, more than 100 unicorns…this is something…the energy of our youth, the energy of our entrepreneurs, energy of our talented people that has to be channelised fully well, it cannot be left to the policies of any big tech,” Vaishnaw stated.Apps delistedThis motion follows Google’s choice to delist apps from 10 Indian firms, accusing them of avoiding service charges on the Play Retailer platform. The delisted apps reportedly embrace Shaadi.com, Matrimony.com, Bharat Matrimony, ALTBalaji, Kuku FM, Quack Quack, and Actually Madly.Minister of State for IT Rajeev Chandrasekhar raised issues about Google’s dominance doubtlessly hindering competitors and harming startups. He emphasised the necessity to examine if Google’s actions fall beneath the class of “abuse of dominance.”What’s the dispute all aboutThe underlying dispute facilities on Google’s revised service charge construction, starting from 11% to 26% on in-app purchases. This variation got here after India’s antitrust physique, the CCI, directed Google to scrap its earlier charge system that charged builders between 15% and 30%. Google proceeded with app removals after the Supreme Court docket declined to supply momentary reduction to the app builders difficult Google’s charges.
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